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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

Did you know, to clear bad debts at banks, the minimum waiting time is from 12 months and lasts up to 5 years (depending on the bad debt group). Therefore, if you want to borrow bad debt fast within the day, you can borrow money online with your identity card .

In this article, CashBerry will help you learn about bad debt as well as offer the best solution to help you borrow money when you have bad debt 

Before answering the question "Can bad debt get a loan ?", let's learn about the concept of bad debt and why it leads to bad debt.

Learn about bad debt

What is bad debt, how does it affect borrowers?

Bad debt, also known as bad debt, is understood as subprime debt, overdue repayment period and is doubtful about the debt payment ability and ability to recover capital of the lender.

This is a debt that the borrower (either an individual or a business) cannot repay to the borrower when the payment is due as committed in the credit contract. Customers who fall into the bad group (according to the classification on CIC) will have difficulty getting a loan from a bank or other credit institution.

Once you have bad debt, it is difficult for you to get a loan

Once you have bad debt, it is difficult for you to get a loan

The CIC system assesses the level of bad debt of customers, which is divided into five levels.

List of bad debt groups on CIC . system

Group 1

Standard debt group

Less than 10 days

Loan can be considered immediately

Group 2

Debt group needs attention

From 10 days to less than 30 days

After 12 months

Group 3

Subprime debt

From 30 to less than 90 days

5 years

Group 4

Debts suspected of losing capital

From 90 days to 180 days

5 years

Group 5

Group of debt likely to lose capital

Debt from 180 days or more

5 years


The cause leads to bad debt situation

There are many causes of bad debt, for example:

● Borrowers forget to make payments to financial companies and banks.      

● Borrowers can't control their finances, lose balance in spending, leading to inability to repay loans.      

● Using a credit card beyond the limit, unable to pay.      

● Inability to pay for loans when buying installments.      

Can bad debt get a bank loan?

Bad debt wants to borrow money from the bank, it is almost impossible.

Because when assessing the loan, the bank will check the customer's 5-year CIC. If you are listed as bad debt, the bank will underestimate your creditworthiness, thereby approving the application more rigorously. Therefore, it is difficult for you to get a bank loan when you have bad debt.

Should you trust bad debt relief services?

Currently, there are many websites and social networking sites promoting bad debt eradication services or working with banks on behalf of customers to clear bad debts. However, that is completely untrue.

According to Mr. Cao Van Binh, Deputy General Director of the Vietnam National Credit Information Center (CIC), said:

“First of all, I would like to confirm that all customer information at CIC is updated/stored honestly and objectively according to the information reported by credit institutions. CIC or any organization/individual is not allowed to arbitrarily adjust this information.

Cases that need to adjust customer data (due to errors or mistakes) at CIC must comply with strict regulations under Decision No. 240/QD-TTTD dated November 20, 2019 of CIC. Accordingly, CIC only adjusts customer's data when it receives a written request from the credit institution (signed by the General Director or an authorized person), clearly stating the reason for the error or adjustment.

In addition, there is no other "mechanism" to write off bad debts/adjust debt groups. Customers need to be especially careful with fraudulent "debt forgiveness" forms being advertised today. "

So, if you are in urgent need of money but have bad debt, what should you do?

Where is bad debt?

Many people wonder, can bad debt get unsecured loans ? The answer is “ YES ”! If you can't get a bank loan , you can borrow from a financial company that provides an online loan service that accepts bad debt .

Borrowing bad debt online - an effective financial solution for you

Borrowing bad debt online - an effective financial solution for you

Currently, there are many units providing online loan services, quickly and conveniently. Just need ID/CCCD and bank card, you can make a loan. In the case of bad debt, you can still present the objective reason for the delay and provide accurate profile information for loan approval.

Advantages of borrowing money online:

● Borrow online anytime you need, unlimited number of loans as long as you pay on time.      

● Quick process, online loan service without proof of income , no collateral.      

● No need to meet, support bad debt records.      

If you are in need of quick money, don't know where to borrow, don't want to affect your family and friends, then borrowing money online to support bad debt is a smart financial solution.

* Please note, because of the simplicity of registration, there have been situations such as customers borrowing wrong credit, consulting one way but having another interest rate. Therefore, you should search for an online bad debt loan address that is still safe and reputable to apply.

Register CashBerry to get a bad debt loan , super speed approval

Cashberry is a company providing financial solutions consulting services, providing online loans 24/7 through a technology platform, with simple procedures. Understanding the financial problems you are facing, CashBerry brings you the fastest, most transparent, simple and convenient financial solution.

CashBerry links with different partners, to help you access the right financial resources.

Therefore, no matter if you have bad debt, difficult to get a loan, CashBerry will also find a suitable solution for you.

Bad debt for consumer loans ? For CashBerry, the answer is YES ! You can apply for a bad debt loan online on the website or on the CashBerry application.

Summary of features of online loans accepting bad debts


Borrow money online

Loan support

From 100,000 VND to 15,000,000 VND


One-time payment after 7, 10, 15, 30 days


Ranges from 10.95 - 14.6%/year (the interest rate is within the regulations of the State Bank)


National loan, Vietnamese citizen, age 18 - 60


Working for a company, trading (no need to prove income) stable over 3,000,000 VND/month


Requires a bank account, ID card or CCCD


Borrowing money online CashBerry is both fast and easy

Borrowing money online CashBerry is both fast and easy

To get a quick bad debt loan , you can immediately call the hotline 1900638385 for support.

Frequently asked questions about bad debt loans

● How to borrow money when you have bad debt ?      

When you have bad debt, it is difficult for you to get a bank loan. However, you can still get a short-term loan at or download the CashBerry app to register for a quick loan.

● Is overdue debt bad debt?      

Overdue debt is a bad debt, depending on the time period you are late for payment, bad debt will be sorted to what extent.

● Can I get a credit card with bad debt?      

Bad debt does not make credit cards. You need to meet many factors to be able to open a credit card, among them is to have a clean credit record.

● Can I borrow a bad debt that has been paid off?      

The answer is yes, provided that your CIC file has been updated and finalized.

● How to know if there is bad debt or not?      

You can contact the national credit center CIC to check, either by meeting the support staff directly or checking online on the website.

The most common symptom when you have bad credit is: your application for a loan and opening a credit card is rejected.

● Can bad debt buy in installments?      

Normally, the units will not support you to buy in installments if you are in bad debt, because this is a high-risk loan for the lender.

● Online loan app to support bad debt      

To avoid encountering black credit, you can download the CashBerry app on CH Play to post an online loan to support bad debt .

Do you have any questions related to online loans to support bad debt , just contact CashBerry for detailed answers!

Do you have any questions related to online loans to support bad debt , just contact CashBerry for detailed answers!

Note when borrowing bad debt

To avoid the worst cases in the loan and loan payment process, below CashBerry will summarize the points to note:

● Before applying for an online unsecured loan , please self-assess your debt repayment ability to avoid a spending imbalance, inability to pay the loan.      

● When you receive the loan amount, you should plan to use your capital smartly.      

● In order not to fall into late payment, or other problems, you should pay off the loan 2-3 days in advance.      

● In case you unfortunately lose your source of income and cannot repay your debt on time as committed, you can contact CashBerry staff to find out a solution.      

Life always has unexpected uncertainties and difficulties, but there is always a solution for each problem, just like if you have bad debt. And this article is the solution for you who want to borrow bad debt successfully.

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