24Vay is a mobile application that offers smart loan solutions to its users. It is designed to provide a safe and secure platform for users to apply for loans without any upfront fees. The app uses big data and artificial intelligence to automate the entire loan process, from data collection to credit evaluation. Users can choose their preferred loan amount and repayment period according to their needs, with loan amounts ranging from 1,000,000 VND to 5,000,000 VND and repayment periods from 91 to 120 days. The interest rate is capped at 19.71% per annum.

The loan application process is quick and simple, with users only needing their mobile phones, stable income, and a bank account to apply. There is no need for collateral, mortgages, or payslips. Furthermore, the app guarantees the safety of all user information. Loan disbursements are made within 24 hours of application.