Vay tiền is a free Android application by Strouden, designed for those who need quick access to cash loans. With a 97% approval rate, loans via bank cards of up to 15,700,000 Vietnamese Dong can be approved in as little as 5 to 15 minutes. The app offers a variety of credit packages that include consumer credit, bank card loans, cash loans, mortgage loans, refinancing, and credit cards. Payments can be received in cash, bank transfer, express delivery, or through online payment systems like MOMO and Nganluong.

The app claims that loans are not rejected based on bad credit history. However, in case of rejection due to unstable income, unemployment, student status, retirement, lack of permanent residence, or bad debt, the app offers loans without credit checks. The loan application process is quick and easy and can be completed in just five minutes. The app also provides transparent information about the loan conditions, including minimum and maximum loan repayment periods, annual interest rates, and late fees. The app requires borrowers to be between 18 and 65 years old and have a passport from the Socialist Republic of Vietnam.