EVO Money: Tài chính minh bạch

EVO Money – A Reliable Loan App, Taking Control of Your Finances Every Day

EVO Money is an online loan app that helps you easily access suitable financial solutions right on your phone. With a transparent and simple process, you can conveniently borrow cash without complicated procedures.

Loans are provided by Mirae Asset Financial Company Limited (Vietnam) in accordance with current laws.

With EVO Money, you can apply for unsecured loans directly through the app, without needing to meet in person. All loan information is clearly displayed, helping you choose a reliable loan solution that suits your needs and financial capabilities.

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EVO Money – The perfect installment loan solution for you

- Loan amount: from 5,000,000 VND to 70,000,000 VND

- Minimum loan term: 6 months

- Maximum loan term: 36 months

- Interest rate on initial balance: 15%/year to 29%/year (equivalent to 26% to 48%/year calculated on the declining balance)

- Repayment method: monthly installments

EVO Money offers an online loan experience via app, suitable for various consumer loan needs such as shopping, education, healthcare, travel, and family expenses with a simple process:

- 100% unsecured loan, no collateral required

- Simple procedures, only a chip-embedded ID card is needed

- No face-to-face meeting, no contact with relatives

With the EVO Money loan app, you can:

- Track your loan status anytime, anywhere

- View Details of repayment schedule and amount to be paid

- Flexible repayment date selection according to needs

- Proactive loan management 24/7

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Online loan via app with a simple process

- Choose the appropriate loan amount and loan term

- Provide information, facial verification and chip-embedded ID card

- Wait for application approval

- Receive disbursement: Applications approved before 2 PM (Monday to Saturday) → disbursement on the same day. Other cases will be disbursed on the next business day.

Illustrative formula based on interest rate calculated on the initial outstanding balance:

Case 1: Customer does not purchase loan insurance:

Assuming the customer wants to borrow VND 10,000,000 with a term of 12 months and does not choose to purchase loan insurance. The customer was approved for a loan with an interest rate of 27%/year calculated on the initial outstanding balance.

- Actual amount received: 10,000,000 VND

- Insurance fee: 0 VND

- Loan amount = Actual amount received + Insurance fee = 10,000,000 VND

- Total amount to be repaid in 12 months: 10,000,000 * (1 + 0.27/12*12) = 12,700,000 VND

- Total interest to be repaid in 12 months = Total amount to be repaid - Loan amount = 12,700,000 - 10,000,000 = 2,700,000 VND

- Monthly payment (including principal and interest) = Total amount to be repaid / term = 12,700,000/12 = 1,058,000 VND (rounded to the nearest thousand)

Scenario 2: The customer chooses to purchase loan insurance.

Suppose the customer wants to borrow VND 10,000,000 for 12 months and chooses to purchase loan insurance. The customer was approved for a loan with an interest rate of 27% per year calculated on the initial outstanding balance.

- Actual amount received: 10,000,000 VND

- Insurance fee: 10,000,000 * 7.7% = 770,000 VND

- Loan amount = Actual amount received + Insurance fee = 10,770,000 VND

- Total amount to be repaid in 12 months: 10,770,000 * (1 + 0.27/12*12) = 13,677,900 VND

- Total interest payable in 12 months = Total amount to be repaid - Loan amount = 13,677,900 - 10,770,000 = 2,907,900 VND

- Monthly payment (including principal and interest) = Total amount to be repaid / term = 13,677,900/12 = 1,140,000 (rounded to the nearest thousand)

Note: This is an illustrative example. The loan amount, interest rate, and approval decision depend on each customer's credit profile.

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Basic Requirements

Vietnamese citizens aged 20 to 60

Hold a valid chip-embedded Citizen Identification Card (CCCD)

Have a bank account in your own name

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Important Information

Loan approval, loan limit, and interest rate are determined by Mirae Asset Finance Company Limited (Vietnam) based on your credit profile and current regulations. Not all applications will be approved or receive the same loan conditions.

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Contact Information:

- Trusting Social Joint Stock Company

- Tax ID: 0106957913

- Address: 8th Floor, Havana Building, 132 Ham Nghi Street, Ben Thanh Ward, Ho Chi Minh City, Vietnam

- Email: hotro@evomoney.vn