Link to the app
Hey!!
This is your friend sheanglih konyak and I’ve just stumbled upon something awesome and I had to share it with you.
Have you ever needed quick and hassle-free loans, insights into your credit health, or an effortless way to save in digital gold?
Look no further!
Plus, if you install the app using my referral and take a loan, I get 800 reward coins!
Here’s my referral code: LX4TD6TD
Why OLYV?
✅ Instant Loans
✅ Credit Health Insights
✅ Digital Gold Savings
✅ Exclusive Subscription Services
It’s a win-win! Let me know what you think after giving it a try. Cheers to financial empowerment!
Here’s the link to download: https://smartcoin.page.link/dhRPwetw276J9Wv1A
My connection with Olyv smartcoin dates back to May 2024 when I was in tire need of some cash for my personal expenses. I tumble to this app searching it online. This is what I had like to share with you guys. Starting small is what the motto Olyv keeps with it’s consumers or customers I suppose and truly that is what great to begin with.
So is Olyv smartcoin is all about and here it goes …
Olyv, formerly known as SmartCoin, is a Bengaluru-based digital lending platform that offers instant personal loans to individuals across India. The platform is designed to provide quick, paperless, and collateral-free loans, catering especially to the middle and lower-income segments.
Company Overview
Founded: 2016
Headquarters: Indiqube Gamma, Outer Ring Road, Kadubeesanahalli, Bengaluru, Karnataka 560103
Founders: Amit Chandel, Vinay Singh, Rohit Garg, Jayant Upadhyay
Funding: Raised $26.7 million in Series B funding from investors like Lightrock, Accion, and Lightstone Ventures
Valuation: Approximately ₹588 crore
Certifications: ISO 27001:2013 certified
Regulatory Compliance: Partners exclusively with RBI-registered lenders
Personal Loan Features
Loan Amount: ₹1,000 to ₹5,00,000
Interest Rates: 12% to 36% per annum, depending on eligibility and loan terms
Tenure: 2 to 24 months
Processing Fee: 2% to 12% of the loan amount plus GST
Late Payment Charges: Up to ₹500 plus GST
Collateral: Not required
Eligibility: Available for both salaried and self-employed individuals
Application Process: Fully digital via the Olyv mobile app
How to Apply
1. Download the App: Available on the Google Play Store
2. Register: Provide your work details to unlock loan options
3. Select Loan: Choose the desired loan amount and tenure
4. Bank Details: Submit your bank account information
5. KYC Verification: Complete KYC by uploading a selfie and necessary documents
6. Disbursement: Upon approval, the loan amount is transferred directly to your bank account
Contact Information
Customer Support: +91 9148380504
Email: help@smartcoin.co.in
Grievance Redressal Officer: Ravi Kumar
Phone: +91 9986640571
Email: grievance@smartcoin.co.in
Office Address: Indiqube Gamma, No.293/154/172, 2nd Floor, Outer Ring Road, Kadubeesanahalli, Bengaluru, Karnataka 560103
Interest rate
Olyv (formerly SmartCoin) offers personal loans with interest rates that vary based on several factors, including the borrower’s credit profile, loan amount, and tenure. Here’s a detailed breakdown of the interest rates and associated fees:
Interest Rates
Monthly Interest Rate: Starting from 1.5% per month.
Annual Percentage Rate (APR): Ranges between 30% to 90%, depending on the borrower’s creditworthiness and loan terms.
For example, a loan of ₹65,000 with a 3% monthly interest over 9 months would result in a total repayment of ₹75,132, including interest and processing fees.
Additional Charges
Processing Fee: Between 2% to 15% of the loan amount, excluding GST.
Late Payment Charges: Up to ₹500, excluding GST.
Important Notes
Olyv partners exclusively with RBI-registered lenders, ensuring compliance with regulatory standards.
The exact interest rate and fees applicable to your loan will be determined during the application process, based on your credit profile and other factors.
For more detailed information or to apply for a loan, you can visit Olyv’s official website: Olyv Personal Loans
What more olyv smartcoin offer
Olyv (formerly known as SmartCoin) has evolved into a comprehensive financial wellness platform, offering a suite of services beyond instant personal loans. Here’s an overview of the additional features and benefits available to users:
Key Offerings Beyond Personal Loans
1. Digital Gold Savings
Start Small: Invest in 24K, 99.9% pure digital gold with amounts as low as ₹10.
No Storage Fees: Your gold is securely stored without any additional charges.
Flexible Redemption: Access and redeem your gold savings at any time.
2. Credit Health Management
Free Credit Score Checks: Monitor your credit score with quick updates.
Personalized Tips: Receive customized advice to improve your creditworthiness.
Rewards: Earn incentives for maintaining or enhancing your credit health.
3. Gold Rewards Program
Earn Rewards: Receive gold rewards for timely loan repayments, referrals, and other positive financial behaviors.
4. Financial Calculators
EMI Calculators: Plan your finances with calculators for personal, home, car, and education loans.
Investment Tools: Utilize tools for SIP, SWP, NPS, and more to manage your investments effectively.
5. Insurance Solutions
Olyv Protect: Access insurance products tailored to your needs, enhancing your financial security.
Platform Growth and Reach
User Base: Over 3 crore users across India.
Loan Disbursement: More than ₹1,700 crore disbursed.
Monthly Active Users: Approximately 26 lakh, reflecting significant engagement.
Olyv’s expansion into areas like digital gold savings, credit health monitoring, and insurance demonstrates its commitment to providing holistic financial solutions. By integrating these services into a single platform, Olyv aims to empower users to manage their finances more effectively and achieve greater financial well-being.
Everyone is in need of cash in one time or the other and olyv smartcoin is here at just on your palm of your hand to avail it. It is genuine application. Your details of your adhaar, pan , mobile number is mandatory to get one of loans. Once you are connected with olyv loan thereafter is just as easy as saying hi to olyv.
Thanks for reading.
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