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Viva Money Review
Fincfriends Pvt Ltd (RBI-registered NBFC partner)
Part of Viva Group; credit line up to ₹2L
Red flags
- •Reported APR exceeds 100% — predatory range
- •Verify NBFC partner directly with RBI before applying
Green flags
No clear green flags noted.
Permissions demanded
Data practices
Not independently audited.
Recovery practices
Recovery practices not independently verified.
Sources & references
Grievance & support
- Grievance redressalhttps://vivamoney.in/policies-and-codes
- Support / helpdeskchat@vivamoney.in
Contact details published by the lender. If unresolved within 30 days, escalate via RBI Sachet.
Disclaimer: Reviews are independent editorial assessments based on publicly available information and user-submitted complaints. APR ranges and fees can change — always check the lender's Key Fact Statement before borrowing. Not financial or legal advice.
Next step with Viva Money
Headline rates hide fees. Run your actual offer through our free tools before you accept anything.
More reviews
Frequently asked questions about Viva Money
Is Viva Money RBI-registered?
Viva Money is operated by Fincfriends Pvt Ltd (RBI-registered NBFC partner). Its RBI status: RBI-regulated NBFC. Always verify the parent lender directly on the RBI NBFC list before borrowing.
What is the real APR on Viva Money ?
Viva Money does not publish a verifiable APR or fee schedule, so we do not show a rate for it. Borrower reports place short-tenure costs well above 100% once fees and GST are counted — ask for the Key Fact Statement in writing before you accept any offer.
Is Viva Money safe to use?
Part of Viva Group; credit line up to ₹2L Permissions demanded: not disclosed. Recovery practices: Recovery practices not independently verified..
What loan amount and tenure does Viva Money offer?
Ticket size ranges from ₹1,000 to ₹50,000, with tenure between 1 and 3 months.
How do I close my Viva Money loan early?
Open the app, request a foreclosure quote in writing, and pay the principal + accrued interest. Demand the No Dues Certificate (NDC) within 7 working days — RBI mandates it. If Viva Money refuses or harasses you, file a complaint on the RBI Sachet portal.