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

ATM cards include debit and credit cards, perform the functions of withdrawal, transfer and payment of electronic transactions as needed. In addition to that extremely convenient feature, nowadays, banks are implementing money loan programs via ATM cards to meet the financial needs of many different types of customers. Instantly pocket the necessary information about this loan form!

ATM cards include debit and credit cards, perform the functions of withdrawal, transfer and payment of electronic transactions as needed. In addition to that extremely convenient feature, nowadays, banks are implementing money loan programs via ATM cards to meet the financial needs of many different types of customers. Instantly pocket the necessary information about this loan form!

What is a loan via ATM card?

Borrowing money with a bank ATM card is one of the forms of unsecured loans without collateral. You only need to own at least one ATM card of any bank, still valid and meet some of the accompanying criteria, you will be able to apply for unsecured loans on demand.

Similar to other forms of unsecured loans, money loan service via ATM card allows loans in traditional and online methods, in order to bring the fast loan product of the day closer to many types of customers.

Conditions to be able to borrow money with an online ATM are quite simple. You need to ensure a good credit history with stable credit scores, no outstanding balance at at least 2 banks or other financial companies. Citizenship and age conditions are applied in general and are considered the basic conditions for getting a loan through an ATM card.

Most importantly, you need to own at least one valid ATM card from any bank that is legally operating. Card transaction statement shows the minimum transaction amount of VND 5 million.

In fact, borrowing money via ATM card is one of the many popular forms of unsecured loans today. This is also called an overdraft loan via a card account.

Overdraft via card account - a form in which the bank accepts a limit loan so that you can spend more than the amount in the ATM card. That means if your card has 0 dong, you can still spend.

An unsecured loan is a loan that you do not need to mortgage any assets. The bank will provide loans based on your pay stubs with loans ranging from 3 to 5 times your current salary.

Should I borrow money with ATM cards at banks?

To be able to make the most accurate and suitable choice, people based on the advantages and limitations below.

Advantages of borrowing money via bank ATM cards

In the form of a loan via ATM card, people will receive a loan:

● Loan amount up to VND 100 million     

● Loan tenor up to 36 months     

● No collateral / collateral is required     

● Fast loan, disbursement within 2 -3 working days     

● All beneficiaries can borrow     

● No proof of personal income is required     

Thus, this form of loan has many advantages over the form of salary loan. Because there are many people who do not have a salary account, but a bank account has a lot of money and a lot of transactions. So this is an opportunity to borrow money for freelance business customers.

Limit borrowing money through ATM cards at banks

Besides the preeminent benefits, the form of borrowing money via bank ATM cards still has certain limitations:

● Only a few banks support it     

● The interest rate for borrowing via ATM card is quite high, because there are no collateral     

● As long as ATM card has circulating transactions with a certain limit, not all bank accounts can borrow     

● Although there is no proof of income, the bank will require relevant paperwork     

There are many banks that support the form of borrowing money with ATM cards, but where is the place with the best policy and the most preferential interest? Let CashBerry find out through the comparison below.

7 Best Bank support for money loan service via ATM card

Here is a list of more than 7 banks that support the best interest rate ATM card loan:

● Take out a loan via VPBank ATM card     

● Take out a loan via Agribank ATM card     

● Take out a loan via Sacombank ATM card     

● Take out a loan via Techcombank ATM card     

● Take out a loan via BIDV ATM card     

● Take out a loan via Vietinbank ATM card     

● Take out a loan via MB ATM card     

And many other banks are also starting to implement this loan package: Eximbank, TPBank, Dong A Bank ... Each bank will offer its own loan conditions as well as different applicable interest rates, but with differences. not too big.

The updated interest rate table of cash loans by ATM cards of some banks

Bank name

Interest rate

Loan amount (maximum)

Loan term


From 15% / year

100 millions

60 months


From 15 - 18% / year

100 millions

12 months


From 12% / year

100 millions

12 months


From 10% / year

500 million

12 months

Sacombank Bank

From 9% / year

70 million

36 months

MB bank

From 12.5% ​​/ year

500 million

60 months


18 years

Ten times the income

60 months


Instructions for borrowing money through ATM cards

Conditions for borrowing money via ATM cards

● Be a Vietnamese citizen between the age of 18 and 60, who is living and working in Vietnam     

● Having stable monthly income to ensure the bank's ability to pay the loan package periodically     

● Owning an ATM card account at the lending bank and ATM card must have rotation transactions of at least 5 million VND / month.     

● Not carrying bad debts at many banks and financial institutions across the country     

● No history of credit fraud.     

● Have a household registration book or a letter of temporary absence from temporary residence in the area where the loan is registered     

● Minimum monthly bank account balance of VND 2 million is required. Calculation: (Maximum date balance + Minimum balance) / 2 = Average balance     

● Attach features of each loan package of each bank     

Procedures for borrowing money via ATM cards

● Personal profile: ID card notarized photo + photo of the original household registration book     

● Documentation of income: Statement of salary account for the last 3 months / employment contract / confirmation of the working company     

● Loan application: Loan application form according to the prescribed form of the bank     

● Attach other documents in accordance with regulations of each bank     

After preparing a complete application file, upload to the online loan application page (if any), otherwise you should go to the transaction office of the bank for instructions on the procedure.

Or you can follow these instructions on the step-by-step loan application process.

Loan execution process

The following are the four most basic steps to apply for a loan via ATM card in most banks today:

● Step 1: Prepare loan documents including the documents mentioned above.     

● Step 2: Contact the lending bank to apply for a loan. Some banks allow online registration on the website or application, otherwise you have to go directly to the transaction offices.     

● Step 3: Wait within 24 to 48 hours for the bank to check the information and review the application.     

● Step 4: Receive appraisal results and contact your bank to disburse if approved.     

Loan interest rate via ATM card

With a loan product based on the balance of the account statement, each bank / finance company will apply its own interest rate. In addition, depending on the amount of money borrowed more or less, the loan term is short or long (how many months), each loan period that will have a specific interest rate.

However, the average interest rate for borrowing money via ATM cards is currently about 1.2% - 2.17% (monthly), or 13.78% - 15% / year .

To know the exact interest rate of each bank, you can see it directly on their website or contact the nearest office for specific advice.

The quality of life goes up, and there are many needs arising in life. Accordingly, financial lending solutions also appear more and more. Borrowing money via ATM card is one of them.

However, borrowing money via ATM cards also has certain limitations such as: slow disbursement time, not all banks lend, need to prove income, and related documents. And because of these difficulties, you cannot receive fast money to solve your problem. Therefore, in order to overcome the above limitations, you should choose a quick online loan with ID card.

Borrowing money online with instant ID card - Disbursement within the same day

How can I borrow money online with ID card in urgent times? With the 4.0 revolution and the development of the financial industry, today to borrow money , you only need to take simple steps at home. The procedure only requires an ID card / ID card with a smartphone.

Now you do not need to go to the bank to make complicated documents, waiting for disbursement to wear out anymore. Just with online at home, you can borrow money quickly and easily.

What are the advantages of getting a loan with ID card?

- The advantage of borrowing money at home with an ID card that you will immediately see is that the complicated dossier problem has been solved. Just sit at home, open the internet and take a photo of your ID card to complete the loan procedure.

- You also don't need collateral to borrow money. Because this is a form of unsecured loan. So you do not need to prove or have any property papers to prove your ability to pay.

- Help you receive money immediately in just 30 minutes. After receiving your loan application. The financial team will review your loan quickly and transfer it to your bank account.

Conditions to be able to borrow money online fast

  1. You need an ID card / Identification card: This is one of the mandatory conditions you need to have. To prove you are old enough and have clear information.
  2. Vietnamese Nationality: The loan program is only applicable to Vietnamese citizens
  3. You need a bank account to receive disbursements and payouts: You need one of the bank accounts in Vietnam to be able to receive a loan and pay off the loan.

How to borrow money online with ID card or ID easily

Currently on the market there are quite a few unsecured lending units. In which, many units operate under or called illegal. So you should also carefully study the information of the lender and then decide to borrow money.

CashBerry - an online financial consulting support unit, helps you to borrow money with your ID card easily:

CashBerry is a consulting platform and provides online financial solutions 24/7, to support your extraordinary financial needs.

Understanding the financial problems you are facing, CashBerry tries to bring you the simplest, fastest and most convenient financial solutions.

Digital Platform Company Limited is the unit that manages and performs financial consulting and connection activities with our lending partners.

CashBerry's lending partner is Lending Platform Trading Service Company Limited with Business Registration Certificate No. 0316078299 issued by the Department of Planning and Investment of Ho Chi Minh City on December 27, 2019.

Loan characteristics:

+ Limit: 1 to 10 million

+ Conditions: Just photo ID card

+ Advantages: Very fast loan, disbursement immediately

+ Disadvantage: Low limit of only 10,000,000 VND

+ Loan support: Nationwide

+ Subject: all Vietnamese citizens

>>> Get money online with your ID card without collateral - no meeting - receive money during the day here!

Notes when borrowing money online by identity card

When taking a mortgage loan, you will need to take a photo with both your face and your ID card. In addition, you should also fill in the information of the documents to complete the procedure. The above procedures are intended to disclose information to the lender about yourself, such as your occupation, age, and other information so that they know about your ability to pay.

Each loan unit has a different interest rate. In addition, the loan limit is also different, so you need to read the terms and information before applying for a loan.

How fast is the interest rate for fast online loans by ID card?

Interest rates are always the most concerned by many borrowers. Generally, the interest rates on unsecured loans are not cheap, but due to demand and low payment days you can expect to pay a small fee on a loan. But nonetheless you should also consult the interest rate before you borrow to see if your ability to pay enough.

Also, depending on some financial unit, the loan limit, and the number of days you borrow, your interest rate will be high or not. Usually, the longer the loan, the cheaper the interest rate. But not so that you extend the loan period. That won't work for you in the long run.

The interest rate is known to range from 3 - 20% depending on the time and the amount of money you borrow.


Borrowing money for ID card is the latest trend in the financial sector today. Loans that help a large number of people receive urgent loans with the most preferential interest rates. In addition, fast online borrowing also solves complicated and complicated loan procedures of traditional loans. Loan products help people get loans at a glance without having to mortgage their own property papers.

Have you understood more about the form of borrowing money via ATM card and online loan form with ID card to use as a financial measure for yourself? If you need a loan or want to provide financial advice, find an effective solution, please contact CashBerry! We are ready to assist you wherever you are, whenever you need it.

CashBerry - accompanying you to overcome financial obstacles, proceed to modern and comfortable life.

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