Kavay is an online banking system where you can borrow money without having to put up any collateral. It's safe, fast, and affordable. You can borrow from 10,000,000 VND to 100,000,000 VND, with a term between 181 and 365 days, and an interest rate of 18% per year.

The application process is simple and doesn't require you to have any previous banking experience. Once you're approved, you can begin to make payments. The loan amount is automatically deducted from your account every month, and the interest is paid yearly. You can pay off the loan early, and there is no penalty for doing so. You can also choose to have your loan extended, and if you do, the interest is increased. You can stop the loan at any time, but there is no penalty for doing so.

The Kavay application is simple, fast, and affordable.