Vay3Phút Online

Pato in Palazio

About this app

Vay3Phút – Online Loan Solution, Easy Financial Management
Vay3Phút is a digital finance application developed specifically for users in Vietnam, providing a simple, transparent, and secure online unsecured loan solution.
Whether you need support for personal expenses, handling unexpected costs, or supplementing short-term capital, Vay3Phút helps you access loans conveniently and proactively manage your personal finances.
Key Features of Vay3Phút
✅ Completely Online Loan Process
No collateral required, no in-person meeting needed.
The entire process from registration and information verification to loan tracking can be done on your phone, anytime, anywhere.
With just a few simple steps, you can submit a loan request quickly and conveniently.
✅ Flexible Loan Limit
After being granted a loan limit, you can use the loan within the approved amount according to your personal financial needs.
Making payments on time can improve your ability to access future loan limits.

✅ Flexible Payment Methods
Vay3Phút supports installment payments over various periods, helping you proactively plan your payments and reduce financial pressure.
The specific payment schedule will be clearly stated in the loan contract.

✅ Transparent Costs
Vay3Phút is committed to providing clear loan information before you confirm the contract.

There are no hidden costs beyond those stated in the contract.

Interest rates, payments, and related terms are all publicly available for your easy review before making a decision.

Loan Information
Category Content
Loan Limit 1,000,000 VND – 60,000,000 VND
Loan Term From 91 days to 365 days
Annual Interest Rate (APR) Not exceeding 20%/year (actual interest rate depends on credit assessment results)
Service Fee 0 VND (no hidden fees)
Payment Method Payment according to the schedule stipulated in the contract. Maximum 12 installments

Example of loan costs
Assuming you borrow VND 10,000,000 for 180 days at an interest rate of 20%/year:
Total expected interest:
10,000,000 × 20% ÷ 365 × 180 ≈ VND 986,301
Total amount to be repaid (principal + interest): ≈ VND 10,986,301
Detailed repayment plan will be shown in the loan contract.

Note:
The above example is for illustrative purposes only. Interest rates, approved loan amounts, and actual costs may change depending on the credit assessment results and final approval decision.

Please refer to the loan contract for accurate information before using the service.

Loan Application Requirements
To apply for a loan at Vay3Phút, you need to meet the following basic conditions:
 Be a Vietnamese citizen aged 18 or older;

 Have a valid Citizen Identification Card/National Identity Card;

 Own a registered phone number and a bank account in your name;

 Have a stable source of income (priority will be given during the application review process).
Information Security and Legal Compliance
🔒 Personal Data Protection
Vay3Phút uses HTTPS connections and multi-layer encryption technologies to protect customers' personal information during transmission and storage.

⚖️ Transparent and Regulatory Operation
Vay3Phút is committed to complying with current laws and regulations in Vietnam, ensuring that its services are conducted transparently, safely, and legally.
🛡️ Commitment to Privacy Protection
We respect our customers' privacy.
Vay3Phút does not share customers' personal data with third parties without their explicit consent, except in cases required by law.

Contact Us
📧 Email: [e-mail]
📞 Hotline: [phone]
🕐 Business Hours: Monday – Saturday, 08:00 – 18:30
🏢 Operator: VayNext Technology Co., Ltd.
📍 Address:
296 Xương Cá 1, 2 Street, Bình Chánh District, Ho Chi Minh City, Vietnam

What’s new

1.Chỉnh lại câu hướng dẫn thao tác trên giao diện cho dễ hiểu hơn.
2.Khắc phục lỗi.