Phone in hand - receive immediate support of up to 10 million Vietnamese dong through the Cashberry app

Cashberry - quick, convinient 24/7 online loans solution

CashBerry is a financial company, providing an online loan consultation service that is fully automated, disbursed within the day.

Loan term, days

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Payment date: 1
To return: 1 ₫

The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
Getting approval and Signing an Agreement
The approval results will be anounce via phone call. Only need to log in to Personal account and sign an Agreement.
Receive money
After the application is approved, our partner will transfer the money to your account.
Make repayment to our partner according to the instructions.
with flexible terms at CashBerry
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum
Get loan
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum

Credit limit loans are always interested and used by many small and medium enterprises. Why? What is a credit line loan, what are the advantages and disadvantages? Find out with CashBerry now!

Credit limit loans are always interested and used by many small and medium enterprises. Why? What is a credit line loan, what are the advantages and disadvantages? Find out with CashBerry now!

What is a credit line loan?

Credit line lending is a lending method where the bank will grant a certain loan limit, and the enterprise maintains a loan balance that does not exceed the level granted. This type of loan requires collateral, usually real estate, valuable papers or other assets that the bank accepts.

For example: Borrowing limit of 100 million 1 month, you can borrow up to 100 million. If you pay 40 million in a month, your business can borrow another 60 million, as long as the balance at the end of the month does not exceed 100 million.

Features of credit line loans

Unlike other loans, credit limit loans do not determine the debt term for each loan, but only limit according to the credit limit.

In other words, at a certain time, if the loan balance reaches the maximum allowed amount, the bank will not issue the loan anymore. And if the business regularly repays the debt, it will get more loans.

In addition, enterprises only need to make one set of documents for many loans in a business cycle, up to a maximum of 12 months.

For a credit line loan, a credit contract is used for the whole quarter, at the end of the quarter, the contract will be liquidated. At the beginning of the next quarter, businesses need to submit a new set of documents.

Benefits of borrowing under a credit line

● Simple and convenient loan procedure, you can withdraw loan many times with 01 set of loan documents.        

● Enterprises can take the initiative in borrowing capital when they have been granted a credit limit.        

● Suitable for businesses with frequent capital needs, fast working capital turnover and reputation for the Bank.        

● Financing the investment of the enterprise with medium or long-term capital.        

● The repayment term is designed to be flexible, suitable for the cash flow of the business.        

● The corporate loan interest rate is calculated on the basis of a decreasing debt balance.        

● The business is scheduled to have a repayment plan for a maximum period of up to 5 years.        

Conditions for granting credit lines

The terms and conditions will vary from bank to bank. However, in general, to borrow a credit line, you must ensure the following main conditions:

● Domestic enterprises with continuous business operation time of 12 months or more from the time of registration (or with local certification of actual business time from 12 months).     

● The registered business line is suitable for the purpose of borrowing capital, business plan, ...     

● Having a viable business plan, having full financial capacity and a clear source of debt repayment.     

● Having collateral with value to guarantee the loan.     

● No bad debt at banks or other credit institutions.     

Loan application according to the credit line

● Loan application form (according to the form)     

● ID card/Passport, Household registration/KT/Temporary residence certificate, Marital status     

● Corporate legal documents     

● Corporate financial statements for the last 2 years năm     

● Proof of loan purpose     

● Proof of collateral for loans     

● Invoices, sales books     

● Business registration certificate (if any)     

Fees and methods of credit line loan payment

● Fees and interest rates: To be determined from time to time.        

● Loan method: limited loan.        

● Limit term: up to 12 months.        

● Term of each loan: according to each specific plan.        

● Debt payment method: monthly interest payment, principal payment at the end of each plan or when the customer has a source of income.        

Unlike normal loans, the bank does not determine the debt term for each loan, but only limits it according to the credit limit.

⇒ It means that at a certain time if the customer's loan balance reaches the maximum allowable level, then the bank will not issue the loan to the customer.

Currently, there are many banks that lend according to credit lines with different policies for each business. However, surveying the financial market, Agribank is one of the banks that many businesses trust to borrow credit lines.

Borrowing according to Agribank credit limit

Agribank provides the product "Lending by credit line" to individual customers who need regular short-term working capital loans, stable production and business.

Interest rate

Maximum loan

Maximum loan term

Interest margin after incentives

Penalty fee for early repayment



1 year

LSTK 13T + 3%


Above is information about credit line loans for businesses. On the other hand, if you are an individual customer, are in need of capital for spending or small business, the fastest way is to borrow money online through the application.

Using CashBerry – Online loan application for individual customers khách

Get fast cash and flexible payments right on your phone.

● Instant approval for online credit limit up to 10,000,000 VND     

● Simple loan conditions, receive money on the same day     

● Flexible payment via internet banking 24/7     

CashBerry App's Most Popular Features

● Borrow whenever needed     

● Allow to borrow at least 1,000,000 VND up to your approved limit     

● No mortgage of property, no guarantor     

Registration conditions

● Age: 20 - 60 years old     

● Minimum income: 3,000,000 VND     

● Dossier: Original ID card/Citizen identification card (front and back pictures)     

What can you use the CashBerry app for?

The CashBerry app is a multi-purpose loan. You can use it to support your consumption or work.

● Wedding loan     

● Travel loan     

● Medical loan     

● Tuition fee loan     

● Computer loan     

● Motorbike loan     

● Loan to buy a phone     

● Home repair loan     

● ...     

Reviews from customers

“I was very surprised when I received the money from CashBerry. The procedure to apply for a CashBerry personal line of credit is very simple and the response is fast.”

Mr. Khoa - Salesperson in Da Nang

“The CashBerry app is easy to set up and use. I can apply for a loan as much as I want and even choose the repayment period.”

Mr. Minh Tan - Hai Phong Analyst

“I usually don't like to borrow money from friends and relatives, and the procedure for getting a loan from a bank is too complicated. So I chose to install and use CashBerry to have money in reserve for the unexpected.”

Ms. Thao Huyen - Hanoi photographer

Hopefully with the article about credit line loans, you were able to understand and make the best decisions.

Are you a business owner and struggling not to know how to find capital, how to connect with banks and credit institutions? Come to CashBerry to be consulted by financial experts.

Or, are you an individual customer, and are in need of a consumer loan that does not need a mortgage with an attractive limit and interest rate? Contact CashBerry now:

● Hotline: 1900 63 83 85     

● Email:     

● Address: 33 Ung Van Khiem, Ward 25, Binh Thanh District, City. Ho Chi Minh City        

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