Olyv (formerly SmartCoin): Your All-in-One Financial Wellness App Olyv is India’s #1 app to access quick, 100% digital loans and manage your financial health with ease. Our seamless process lets you secure loans directly in your bank account in minutes, with no paperwork required! Also, stay on top of your credit health by tracking your credit score for free, fraud prevention, summarized loan and credit summary. You also get personalized insights about your credit health and tips to boost it. With Olyv’s digital gold savings feature, start investing with as little as ₹10—safe, secure, and accessible anytime. Instant Personal Loans up to ₹5 lakh* → Trusted by ~3 Cr Indians → RBI registered lenders → 100% digital loan application journey → No collateral or paperwork → Tenure: Minimum period for repayment- 2 months, Maximum period for repayment- 24 months → Flexi EMIs & interest starting at 1.5% per month → APR range – 30 to 90% Example (hypothetical scenario) • Loan amount: ₹65,000 • Processing fee (3% of loan amount including 18% GST) : ₹2,301 • Total Loan amount: ₹67,301 • Interest: 3% per month • Tenure: 9 months • Your EMI: ₹8,349 • Total Amount to be paid: ₹ 8,349 x 9 = ₹ 75,132 • Total interest paid: ₹ 75,132 - ₹ 67,301 = ₹ 7,831 • Total cost of loan: ₹ 7,831 + ₹ 2,301 = ₹ 10,132 • APR (Annual Percentage Rate): 28.58% Lenders • 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 A.) Credit Score → Automatic Monthly Credit Score Refresh with Whatsapp Updates → In Depth Credit Insights B.) Fraud Prevention → Pro-Active Fraud Alerts → Monthly Whatsapp updates C.) Loan Management System(LMS) → Active Summary and Credit Monitoring → Monitor Payment and Balances → Active Monthly Credit Refresh and Insights Digital Gold Savings Save regularly with as low as ₹10* with guaranteed safety → No storage charges → 24 K 99.9% pure gol

Olyv: Loans & Credit Score

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