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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.
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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 charges an APR between 200% and 200% per annum with a processing fee of up to 10%. After fees and GST, the effective APR on short tenures can be significantly higher than the headline rate.
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.