Viva is a Financial Technology company that offers a range of financial products, including Credit Lines, Emergency Cash Loans, and Consumer Durable Loans, designed to meet the diverse needs of individuals in the informal and unorganized segments of Bharat.
Viva leverages technology and data-driven insights to streamline the process of accessing credit. Customers can apply for a credit line or loan through our mobile app, and upon approval, receive instant access to funds.
Viva's services are available to individuals across various sectors and industries which are informal and/or unorganized. Whether you're a small business owner, a farmer, or an employee, you can apply for our products based on your eligibility criteria.
Eligibility criteria varies depending on the specific product. Generally, individuals must be at least 18 years old and meet certain income and credit score requirements.
Viva offers a variety of loans, including credit lines, emergency cash loans, and consumer durable loans. These loans are designed to provide flexible financing options for different purposes, such as meeting emergency expenses, or purchasing consumer goods.
Yes, customers can apply for multiple loans with Viva, subject to the approved limit based on credit assessment. However, it is important to consider your ability to manage multiple loan repayments and avoid overextending yourself financially.
Loan amounts may vary depending on the type of loan and the customer's eligibility. Viva offers competitive loan amounts tailored to meet the needs of individuals, and the same ranges between INR 5,000 to INR 20,000
A credit line from Viva provides customers with access to a predetermined amount of credit that they can use as needed. Customers can borrow against this credit line, repay the borrowed amount, and borrow again up to the approved limit.
An emergency cash loan from Viva provides immediate access to funds to cover unexpected expenses, such as medical bills, car repairs, or home emergencies. Customers can apply for an emergency cash loan when faced with unforeseen financial challenges.
Yes, Viva's consumer durable loans can be used to finance the purchase of a wide range of consumer goods, including electronic gadgets, appliances, furniture, and more.
Viva may charge fees such as processing fees, convenience fees and/or penal fees, as applicable, depending on the type of loan and the terms of the agreement. Customers are encouraged to review the terms and conditions of their loans carefully before applying.
Customers can make loan repayments with Viva through various channels, including Viva's Mobile App, UPI, other Online Payment Portals, or automatic deductions from their bank accounts.
Yes, customers can repay their loans early with Viva without incurring any prepayment penalties. Early repayment may help reduce interest costs and improve overall financial flexibility.
If you miss a loan repayment with Viva, it may impact your credit score and result in additional fees or charges. We encourage customers to communicate any difficulties with loan repayments to discuss potential solutions and avoid negative consequences.
Customers can set up automatic loan repayments with Viva by authorizing recurring payments from their bank account in the form of NACH mandates. This ensures timely repayment and helps avoid missed payments.
Yes, customers can make partial loan repayments with Viva if they choose to do so. Making partial repayments can help reduce the outstanding balance and the total interest paid over the loan term.
Customers can contact Viva's customer support team through various channels, including email (support@myviva.in), phone ( 93533 20036), or live chat support on our mobile app. Our dedicated team is available to assist with any inquiries or concerns regarding our products and services.
Viva's customer support team is available to assist customers during regular business hours, Monday through Saturday, from 10:00 AM to 6:00 PM IST. Customers can expect prompt assistance during these hours, and inquiries received outside of business hours will be addressed as soon as possible during the next business day.
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