VinaVay - Loan Application

VinaVay is an online loan application service app for users in Vietnam. Users can register with a mobile phone number, verify their identity, review available loan options, submit an application, review and confirm the official loan agreement, track the approval status, check repayment information, and access customer support directly from their phone. Loan services are provided by a licensed financial institution. VinaVay provides the application platform and technical support. Final loan amounts, terms, interest rates, and approval results are based on the information displayed during the application and the official loan agreement. When complete information is provided, users can typically complete an application in about 3–5 minutes. Following approval, funds are typically transferred to the user’s bank account within about 3 hours. Actual timing may vary depending on processing conditions. If funds have not arrived after an extended period, users can contact customer support for assistance. Loan information: ● Loan amount: 1,000,000–30,000,000 VND ● Loan term: 91–365 days ● Maximum APR: no more than 18.5% ● Maximum daily interest rate: no more than 0.05% per day ● The APR includes all applicable costs ● Interest is calculated on a simple-interest basis using the actual number of borrowing days ● No application, platform service, management, or disbursement fees ● Principal and interest are repaid in one payment on the due date ● Overdue interest is applied in accordance with the loan agreement and applicable laws Representative example: For a loan of 5,000,000 VND over 120 days at an annual interest rate of 18.25% and a daily interest rate of 0.05%, the total interest is 300,000 VND. The total repayment due is 5,300,000 VND, with no additional costs. Eligibility: ● Vietnamese citizens between 20 and 60 years old ● A valid Citizen Identity Card (CCCD) ● Stable employment ● A bank account capable of receiving disbursed funds Customer support: If you experience any issues while using VinaVay, we recommend contacting our online customer service first for assistance. ● Customer service agents: Daily, 09:00–21:00 ● AI consultation service: 24 hours a day, 7 days a week ● Email: dev@shinhavina.com ● Official website: https://shinhavina.com