Olyv: Loans & Credit Score

Olyv (Formerly SmartCoin)

About this app

Olyv (formerly SmartCoin): Online Personal Loans With Easy Credit Score Tracking

Managing your cash flow can often feel overwhelming. Especially at times when there is a financial crisis knocking on your door, & your bank balance is in only triple digits!
You can change this with our online personal loan app - Olyv. Olyv is an instant loan app that offers quick online low interest loans, easy credit health and score tracking & a smart way to save. Whether you want to apply for quick digital loans, check your credit score & manage your credit health or start saving, Olyv online loan app always helps you stay financially prepared.

Quick & Hassle-Free Personal Loans

Need instant cash for education, a medical emergency, or just to clear constantly piling up bills. Our low interest loan app offers you quick and instant personal loan solutions & approvals without any extra stress.
→ Instant loan amounts up to INR 5,00,000*
→ 100% paperless & digital process
→ RBI-registered lenders
→ Flexible repayment tenures (Minimum period for repayment- 2 months, maximum period for repayment- 24 months)
→ Interest rates start at just 1.5% per month
→ APR range - 30-90%
Olyv ensures that you get the instant personal loan you need without delays.

Smarter Credit Health Tracking

Do you know that every loan approval you get is based on a three-digit number called the credit score? Well, your credit score is not just any number. Consider it as your financial identity. Our credit score tracker app helps you take charge of your credit health with personalised insights & tools. Using these, easily check your credit score, track its changes & get insights & updates on WhatsApp to improve it!

Use Olyv Plus & take your credit management to the next level!

Credit reports – Understand your credit history, repayment behaviour, & monitor for any errors.
Fraud prevention – Track suspicious activity that could negatively impact your credit health.
Loan & credit summary – Track your active loans, EMI due dates & credit cards at one glance.

Smart Digital Gold Savings

Olyv’s digital gold investments give you an affordable & flexible way to save!
Start your investment journey with as little as ₹10.
Invest in 24K 99.9% pure digital gold easily.
Your digital gold is completely safe in insured vaults.
Buy & sell gold at live market prices at any time, anywhere.

Example (Hypothetical Online Personal Loan 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
→ EMI: ₹8,349
→ Total Amount to be paid: ₹75,132
→ Total interest paid: ₹7,831
→ Total cost of loan: ₹10,132
→ APR (Annual Percentage Rate): 28.58%

Our Trusted Lending Partners

Our instant online loan app only works with RBI-registered lenders:
→ Upmove Capital Private Ltd. (http://upmove.in/)
→ Hari and Company Investments Madras Private Limited (https://www.vivriticapital.com/)
→ Northern Arc Capital Ltd. (https://www.northernarc.com/)
→ Incred Financial Services Ltd. (https://www.incred.com/)
→ PayU Finance India Private Ltd. (https://www.payufin.in/)

Why Choose Olyv?

→ Trusted by over 4 Crore Indians.
→ Backed by RBI-registered NBFCs & financial institutions.
→ Simple, fast & 100% digital experience.
→ Secure, transparent & user-friendly.

Customer Support

At Olyv, we believe financial services should always come with support you can count on.
→ Phone: [phone]
→ Email: [e-mail]
→ Address: SmartCoin Financials Pvt. Ltd.
Indiqube Gamma, No.293/154/172,
2nd floor, Outer Ring Road,
Kadubeesanahalli, Bengaluru, Karnataka – 560103

*Terms & Conditions applicable.

With Olyv, you can apply for a loan online, get a personal loan instantly, easily manage your quick loans, & check your credit score — all through one secure instant loan app.✨

Ratings and reviews

As a returning user of the app, I found it reliable to take small amounts of money. I applied for a 28k loan but ran into an issue during the credit check. The app got stuck & wouldn’t move. I reached out to the team via email, and they were incredibly genuine, polite & cooperative. They resolved the issue in just 1 hr & I received my loan by the end of the day. The money was credited to my registered account. Since I repaid my first loan on time, my credit line increased. Highly recommended app

I heard good abt this app from my friends that this would be the fastest & handy option available on google play store. This was their recommendation when I was looking to borrow a small amount of 15k from them. Not on the same day, but I gave it a try the next morning and got an approval of 11k in just 2 mins. Later on, when I uploaded my docs, the limit was increased to 40k. I also checked with the interest rate & processing fee which is fair enough as long as u do not want to borrow from frds

This is one of the most popular personal loan apps on the Google Play Store as it offers very quick approval & is easy to use. I have been using it for the past 1 and a half years, and as I paid my EMIs on time, my loan limit has increased. I have a better cibil score now. Whatever problem I may have with the app, the customer service team is always prepared to assist. It also provides me with a variety of offers that include features that I am unable to see on banks or other loan lending apps!

What’s new

"SmartCoin is now Olyv: Fresh app, sleek design, and a new name. Your trust, still the same."