Olyv (SmartCoin) Personal Loan

Olyv (previously known as SmartCoin) is India’s number one app for obtaining fast, easy, and 100% digital personal loans. With Olyv, you can apply for a loan with no paperwork or documentation required, and the funds are disbursed directly into your bank account in just minutes. But Olyv is more than just a loan app—it’s your partner in achieving financial wellness.

The app allows you to monitor and track your credit score for free, giving you valuable insights and personalized tips to improve your score. Additionally, Olyv offers a convenient digital gold savings product where you can invest in gold with as little as ₹10*, helping you cultivate a savings habit over time. Whether you need quick access to funds or want to build your savings, Olyv is the easiest and most personalized financial wellness app designed to help you take control of your financial future.

Key Features

Instant Personal Loans Up to ₹5 Lakh*

• Trusted by over 30 million Indians: Olyv has built a strong reputation for being reliable, with millions of users across India.
• RBI Registered Lenders: The app works exclusively with lenders registered with the Reserve Bank of India, ensuring security and compliance.
• 100% Digital Loan Application Process: No paperwork or visits to the bank. Everything is handled through the app, making the process seamless and fast.
• No Collateral Required: No need to pledge assets to secure a loan.
• Flexible Loan Tenure: Repay your loan with flexible EMI options ranging from 2 to 24 months.
• Low Interest Rates: Interest rates start at 1.5% per month, with the Annual Percentage Rate (APR) ranging from 30% to 90%.

Example Loan Calculation

Let’s say you apply for a loan of ₹65,000 through Olyv. Here’s what your repayment would look like:

• Loan Amount: ₹65,000
• Processing Fee (3% of loan amount, inclusive of 18% GST): ₹2,301
• Total Loan Amount: ₹67,301
• Interest Rate: 3% per month
• Tenure: 9 months
• Monthly EMI: ₹8,349
• Total Repayment Amount: ₹75,132 (₹8,349 x 9)
• Total Interest Paid: ₹7,831 (₹75,132 - ₹67,301)
• Total Loan Cost: ₹10,132 (Interest + Processing Fee)
• APR: 28.58%

Partner Lenders

Olyv works with a network of trusted and RBI-registered lending partners:

• Upmove Capital Private Limited (http://upmove.in/)
• Vivriti Capital Private Limited (https://www.vivriticapital.com/)
• Northern Arc Capital Limited (https://www.northernarc.com/)
• Incred Financial Services Limited (https://www.incred.com/)
• PayU Finance India Private Limited (https://www.payufin.in/)
• Poonawalla Fincorp (https://poonawallafincorp.com/)

Credit Health Monitoring

One of Olyv’s standout features is its ability to help you track and improve your credit score for free. By simply logging into the app, you can check your score in just 60 seconds. The app also offers exciting rewards and personalized tips to help you boost your credit score and make informed financial decisions.

• Quick Score Refresh: Update your score in 60 seconds.
• Exclusive Rewards: Earn rewards as you maintain or improve your credit score.
• Personalized Tips: Get actionable insights to improve your credit score over time.

Digital Gold Savings

With Olyv’s digital gold savings product, you can start saving in gold with as little as ₹10*. The app guarantees the safety of your savings and offers the following benefits:

• No Storage Fees: Your gold is securely stored without any additional charges.
• High-Quality Gold: Save in 24 Karat 99.9% pure gold.
• 24/7 Redemption: Redeem your gold savings at any time, giving you complete flexibility.

Contact Information and Policies

For more information on terms and conditions or privacy policies, visit the following links:

• Terms and Conditions
• Privacy Policy

For queries, you can reach Olyv via phone or email:

• Phone: +91-9148 380504
• Mail: help@smartcoin.co.in

Address: SmartCoin Financials Pvt. Ltd.
Indiqube Gamma, No.293/154/172
2nd floor, Outer Ring Road,
Kadubeesanahalli, Bengaluru,
Karnataka 560103

Take control of your financial future today with Olyv—your trusted financial wellness app.