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B4Salary vs Viva Money
Side-by-side comparison of B4Salary and Viva Money on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| B4Salary | Viva Money | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Kisga Leasing and Finance Pvt Ltd (own RBI-registered NBFC) | Fincfriends Pvt Ltd (RBI-registered NBFC partner) |
| Category | instant | instant |
| APR range | Upto 200% | Not disclosed |
| Processing fee | Upto 10% | Not disclosed |
| Tenure | 0–0 mo | 1–3 mo |
| Ticket size | ₹0–₹0 | ₹1,000–₹50,000 |
| Our rating | 0/5 | 4.3/5 |
| Verdict | Caution | Caution |
B4Salary
Watch out
- Reported APR exceeds 100%
Last reviewed: 2026-05-16
Viva Money
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16