Olyv (formerly SmartCoin): India’s #1 app to get and grow money With Olyv (formerly SmartCoin) you can get quick and easy, 100% digital loans that require no documentation and are disbursed directly in your bank account within minutes. That’s not all. It is also a trusted platform to get insights on your credit health by tracking your score for free and acting on personalized tips and insights that we provide to improve your score. Our digital gold savings product allows gold storage with as low as Rs 10*. You can also develop a habit of savings using this product. We are the easiest, personalised financial wellness app that helps you take control of your finances. Instant Personal Loans up to ₹5 lakh* → Trusted by ~2 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 Here’s an example on how loans from Olyv work: Example • 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/)