Olyv: Loans & Credit Score

The Olyv app provides Indian mobile users with a convenient way to manage their finances. This online personal loan app allows users to check their credit score and apply for instant loans with low interest rates. With a 100% paperless and digital process, users can access quick and hassle-free loan solutions for various needs, such as education, medical emergencies, or bill payments. Olyv is registered with the RBI and offers flexible repayment tenures, starting from 2 months and up to 24 months. The app also tracks credit health and score, helping users understand their financial identity. By using Olyv, users can stay financially prepared and make informed decisions about their borrowing needs.

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: +91-9148 380504
→ Email: [email protected]
→ 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.✨