Olyv: Loans & Credit Score

Olyv (Formerly SmartCoin)

About this app

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 gold
→ 24x7 redeeming options

Terms and Conditions: https://smartcoin.co.in/terms_and_conditions.html
Privacy Policy: https://smartcoin.co.in/privacy_policy.html

Queries & contact

Phone: [phone]
Address: SmartCoin Financials Pvt. Ltd.
Indiqube Gamma, No.293/154/172
2nd floor, Outer Ring Road,
Kadubeesanahalli, Bengaluru,
Karnataka 560103.
Mail: [e-mail]

* T&C Apply

Ratings and reviews

it is really good aap. The app and loan process are simple and easy to use. However, the disbursal takes way too long. I applied for the first time due to a medical emergency—everything was processed quickly, but it's been almost 7 hours, and the funds still haven't been credited. "But everything was seen for the last past couple of months. The app is smoothness, reliable, and performance updated with new features. But there are a few problems didn't like it.

It is an truly real fantastic app.But everything was seen for the last past couple of months. The app is smoothness, reliable, and performance updated with new features.The app and loan process are simple and easy to use. However, the disbursal takes way too long. I applied for the first time due to a medical emergency—everything was processed quickly, but it's been almost 7 hours, and the funds still haven't been creditedBut it shows that there is a problem and should try again twice. Thanks

Review: The app and loan process are simple and easy to use. However, the disbursal takes way too long. I applied for the first time due to a medical emergency—everything was processed quickly, but it's been almost 7 hours, and the funds still haven't been credited. Other loan apps disburse funds within 30 minutes, but this one takes much longer. Still waiting for the funds. Everything else is fine, but the delay is frustrating.

What's new

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