Everything you need to know about ViCash loans. Can't find an answer? Reach out to our support team.
ViCash is a digital lending platform that provides fast, unsecured personal credit loans. Simply download the app, register with your phone number, verify your identity, and apply for a loan. If approved, funds are sent directly to your mobile money or bank account — usually within minutes.
To apply you must:
ViCash is available on Google Play. Simply search for "ViCash" or click the Google Play badge on our homepage to download the app. Installation takes less than a minute.
No. Registration on ViCash is completely free. There are no sign-up fees, no processing fees, and no hidden charges. You only pay interest on the loan amount you borrow.
Loan amounts range from 50,000 to 1,000,000 with loan terms of 91 to 360 days. Your initial limit depends on your credit assessment, but it can increase over time as you build a positive repayment history.
Our APR ranges from 12% to 36%, depending on your credit profile. The actual rate you receive is based on factors including your credit history, income, and loan amount. We always show you the full terms — including the APR and total repayment — before you accept any loan.
None at all. ViCash is committed to full transparency. There are no processing fees, service charges, account fees, or early repayment penalties. The only cost is the interest on your loan, clearly displayed upfront.
Yes, absolutely. You can repay your loan at any time with no early repayment penalty. Interest is calculated only for the days you've used the funds, so early repayment saves you money.
Registration takes less than a minute. Identity verification takes about 3 minutes. Most applicants receive a decision within 10 minutes of submitting their application. It's one of the fastest processes in the market.
You'll need a valid National ID (or government-issued ID), and an active mobile money or bank account. The entire process is digital — no paperwork, no printed documents, no branch visits.
Approved funds are sent directly to your registered mobile money account or bank account. In most cases, the money arrives within 3 minutes of approval.
If your application doesn't meet our credit criteria, we'll let you know the reason. You can try again after 30 days, or contact our support team to understand how you might improve your eligibility. Building a stronger credit profile or ensuring your information is accurate can help.
Repayments can be made directly through the ViCash app using your mobile money or bank account. The process takes about 10 seconds. We also send you reminders a few days before your due date so you never miss a payment.
Late repayment may incur additional fees and can negatively affect your credit score. If you're having difficulty making a payment, please contact our support team as early as possible. We're here to help and may be able to work out a solution.
ViCash does not currently offer extensions, but you can contact our support team to discuss your options. We understand that circumstances change and will do our best to help you find a workable solution.
Every successful repayment builds your credit history with ViCash. As you demonstrate responsible borrowing, your credit limit can increase automatically. Many users see their limits grow after their first successful repayment.
Absolutely. ViCash uses 256-bit encryption to protect your data. We are fully compliant with data protection regulations and never share your information with third parties without your explicit consent. See our Privacy Policy for full details.
Yes, ViCash is a fully licensed and regulated digital lending institution. We operate in compliance with all applicable lending laws and regulations. Our license information is available on request.
We use a secure, automated identity verification process that checks your National ID against government databases. The process is quick (about 3 minutes) and your data is handled with the highest security standards.
