Loans via Partners

SFinance's 24/7 online cash loan service provides a safe and fast financial solution with only your Citizen Identity Card (CCCD). No collateral is required and there are no consultation or application fees. Your loan can be approved from 1 business hour and disbursed directly to your account on the same day.

1. Details of SFinance's fast loan products

Note: The maximum reference flat interest rate for the year is 35.4%. The estimate is based on a reference flat interest rate of 16.44%/year and may differ slightly from the actual amount.

Example: A customer borrows VND 20,000,000 for 18 months at a flat interest rate of 16.44%/year. The total amount payable is VND 25,110,000 (including applicable fees, excluding optional insurance, money transfer fees, and early repayment fees). SFinance does not charge any fees until the loan is disbursed.

2. Conditions for fast online cash loans - Who can apply?

• Vietnamese citizens of working age, from 20 to no more than 60 years old, with full civil capacity.
• Have a valid personal CCCD with clear images of both sides.
• Have a stable source of income. Priority may be given to customers receiving salary via bank account, holding a life insurance contract, or owning a household business to receive the best preferential interest rate.
• Provide complete registration information so that a consultant can contact and support you within 1 hour.

3. Why choose an online cash loan from SFinance?

SFinance is a reputable and legally operating consumer finance provider licensed by the State Bank of Vietnam (SBV). Your personal data is securely protected in accordance with the Personal Data Protection Law.

SFinance's fast loan package offers outstanding advantages:

• Trusted brand: SFinance is proud to be recognized by The Global Economics magazine as the consumer finance company with the best customer experience in Vietnam in 2024.
• Minimal documentation: The consultation process is clear and transparent, with no fees charged until the loan has been successfully disbursed.
• Ultra-fast approval and disbursement: Approval decisions are usually made within 1 hour. Funds are disbursed on the same day and can be received within 5 minutes after completion.
• Flexible loan limits: Loan packages from VND 10 million to VND 100 million, or up to 7 times your income, support needs such as hospital expenses, home repairs, tuition fees, or wedding expenses.
• Multiple application channels: In addition to the official website and app, customers can access fast loans of up to VND 30 million through trusted partner applications such as ZaloPay and MoMo.

4. How to apply for a direct or online loan from SFinance

Method 1: Apply through the official SFinance website

1. Visit the cash loan product page on the SFinance website.
2. Complete the online loan application form with your full name, phone number, CCCD number, and loan needs.
3. Wait for an SFinance consultant to contact you within 1 hour and guide you through completing the application.
4. Receive the approval result and have the loan disbursed directly to your account.

Method 2: Apply through the SFinance app (for existing or repeat borrowers)

1. Download and log in to the SFinance app on your phone.
2. Select the online loan application feature in the app.
3. Take a portrait photo and upload clear images of both sides of your valid CCCD.
4. The system will automatically review your application online. Sign the digital contract and receive the disbursement quickly.

Method 3: Apply through partner applications (ZaloPay/MoMo)

1. Open the ZaloPay or MoMo app on your phone.
2. Search for the SFinance consumer loan product.
3. Apply for a fast online loan of up to VND 30 million directly through the partner's interface.

5. What should you note when applying for a fast online loan?

• Borrow only from legitimate financial institutions: Be cautious of loan apps or websites from unknown sources. Apply only through the official SFinance website or announced partner platforms such as ZaloPay and MoMo.
• Protect your personal information: SFinance is committed to protecting your data in accordance with the Personal Data Protection Law. Never provide your OTP or bank account password to anyone.
• Read the contract terms carefully: Check the reference flat interest rate, loan term (6 - 36 months), late payment penalties, and early settlement fees before signing the contract.
• Make a suitable financial plan: Carefully consider the amount you need to borrow based on your actual needs and monthly repayment capacity to avoid affecting your personal credit history.

6. How to manage your loan on the SFinance app

To optimize your experience, download the SFinance app to easily manage your finances:

1. Log in to your personal SFinance app.
2. Access the contract management section to view all information, including the repayment schedule, amount due, transaction history, and quick online payment options.

With SFinance's fast online cash loan service, your financial needs can be addressed safely, transparently, and quickly on the same day. Register for a loan consultation today!