Updated October 14, 2026 · BorrowCue Editorial Team
Moneyveo VN vs Timo by BVBank
What sets them apart
| Compare |  Moneyveo VN |  Timo by BVBank |
|---|---|---|
| APR | 18.25% | 2.1%Lower |
| Loan amount | ₫500,000 to ₫30,000,000 | up to ₫50,000,000Higher |
| Funding time | About 20 minutes on average from application to bank account credit | Within 1 business day of BVBank approval |
| Representative example | Loan 2,000,000 VND at 18.25% APR for 100 days: total interest 100,000 VND, total repayable 2,100,000 VND | VND 700,000 personal loan over 3 months: platform fee VND 21,000, interest about VND 51,184, total to repay VND 772,184, about VND 257,350 per month |
| Lender type | Marketplace | Direct lender |
| Eligibility | Vietnamese citizens living and working in Vietnam, aged 20-80, valid ID card, own mobile number and own bank account | Vietnamese citizens aged 18 or over with a valid chip ID card open online in the app; foreigners aged 15 or over legally residing in Vietnam may open an account at a BVBank branch with a valid passport plus visa, temporary residence card or permanent residence card |
| Loan types | Personal, Secured, Student, BNPL | Personal, Credit line, BNPL |
| Term | 62 to 180 months | Not confirmed |
| Arrangement fee | Not confirmed | Kredivo platform fee charged once per loan, varies by loan term (VND 21,000 on a VND 700,000 loan) |
| Credit check | Soft prequal | Not confirmed |
| Free early repayment | No | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Rate type (Fixed).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Timo by BVBank scores higher overall: 9.6 vs 8.5.
- APR is lower at Timo by BVBank: 2.1% vs 18.25%.
- Loan amount is higher at Timo by BVBank: up to ₫50,000,000 vs ₫500,000 to ₫30,000,000.
- Support channels: only Timo by BVBank offers Email, Chat.
- Features: only Moneyveo VN offers Same day funding.
- Features: only Timo by BVBank offers Credit line.
- Loan types: only Moneyveo VN offers Secured, Student.
- Loan types: only Timo by BVBank offers Credit line.
Our verdict on each
Moneyveo VN
Moneyveo VN suits Vietnamese borrowers with poor credit who want a fixed rate loan in dong and cash in the bank account the same day. The trade-off is cost: an APR of 18.25% is above the site median, and free early repayment is no, so an early exit carries a charge.
Timo by BVBank
Timo by BVBank presents instalment loans through financial partners. The unsecured loans are repaid monthly into a Timo account; applications require Vietnamese nationality.
Score breakdown
| Area | Moneyveo VN | Timo by BVBank |
|---|---|---|
| Cost | 8.4 | 9.7Higher |
| Offer | 9.5 | 10.0Higher |
| Trust | 8.1 | 9.2Higher |
Licences and countries
Available in 1 country for both.
What each covers
| Loan types | Moneyveo VN | Timo by BVBank |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | No | Yes |
| Secured | Yes | No |
| Student | Yes | No |
| BNPL | Yes | Yes |
Ranges side by side
| Fact | Moneyveo VN | Timo by BVBank |
|---|---|---|
| Loan amount | ₫500,000 to ₫30,000,000 | up to ₫50,000,000 |
What we checked
Moneyveo VN
- moneyveo.vn: 18 facts, checked September 26, 2026
Timo by BVBank
- timo.vn: 14 facts, checked September 26, 2026
How they place
| Ranking | Moneyveo VN | Timo by BVBank |
|---|---|---|
| Personal loans | 138 of 1920 | 255 of 1920 |
| Buy now, pay later | 7 of 88 | 9 of 88 |
Every fact side by side
| Fact | Moneyveo VN | Timo by BVBank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | CONG TY TNHH MONEYVEO VIETNAM | Ban Viet Joint Stock Commercial Bank (BVBank) |
| Headquarters | Vietnam | Vietnam |
| Founded | 2020 | Not confirmed |
| Support channels | Phone, Help centre, Community | Email, Chat, Phone, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Moneyveo VN | Timo by BVBank | Median |
|---|---|---|---|
| APR | 18.25%highest quarter | 2.1%lowest quarter | 8.99% |
| Loan amount | ₫500,000 to ₫30,000,000lowest quarter | up to ₫50,000,000below the median | ₫75,000,000 |
| Term | 62 to 180 monthshighest quarter | Not confirmed | 60 |
Median across 1144 listed lenders.
Pros and cons
Moneyveo VN
Pros
- Same day funding: same day funding is listed, and the stated timing runs from submitting an application to the money sitting in the account.
- The credit check runs as soft prequal, the gentler option before a full search.
- Fixed rates with terms of 62 to 180 months, so repayments are set at the start.
Cons
- An APR of 18.25% puts it at 243 on APR out of the 350 brands tracked.
- Free early repayment is no, so clearing the balance early carries a charge.
- Narrow eligibility: citizens living and working in Vietnam with a valid ID card and personal phone and bank details.
Timo by BVBank
Pros
- Unsecured instalment-loan options provided by financial partners.
- Monthly repayments and disbursement to a Timo account.
Cons
- Partner and product terms, income and credit criteria apply; Vietnamese nationality is required.
Who each suits
Moneyveo VN
Who it suits
- Citizens living and working in Vietnam with a valid ID card, personal phone number and personal bank account.
- Applicants with poor credit who want a soft prequal check and same day funding.
Who should look elsewhere
- Borrowers chasing a lower rate, since Monzo Flex charges 10% to 23% against Moneyveo VN's 18.25%.
- Anyone after a no interest option, since Cashspace ES lists 0% where Moneyveo VN charges 18.25%.
Timo by BVBank
Who it suits
- Vietnamese customers comparing partner-provided instalment borrowing through Timo.
Current offers
Timo by BVBank
Current offer
Bonus
New-customer savings offer when shopping with 7-Eleven: VND 100,000 for new customers
for new Timo customers
Source, checked September 26, 2026
Country by country
| Country | Moneyveo VN | Timo by BVBank |
|---|---|---|
| Vietnam | Yes | Yes |
Questions about each
Moneyveo VN
What APR does Moneyveo VN charge?+
The stated rate is 18.25% APR, fixed for the life of the loan, and it puts Moneyveo VN at 243 on APR out of the 350 brands tracked. Predictable, but not cheap, and it is the number to weigh before anything else.
How much can I borrow, and over what term?+
Loan amounts run VND 500,000 to VND 30,000,000, and terms run 62 to 180 months. Since the rate is fixed, a longer term spreads the same borrowing over more payments, with the interest added to what you owe. What you are offered depends on the lender the marketplace matches to your application.
Will applying hurt my credit file?+
The credit check runs as soft prequal, the gentler option used before a full search. Moneyveo VN also works with applicants whose credit is poor, so a thin file is not an automatic block. Existing repayments on other loans still count when the partner lender reviews you.
How fast do I get the money?+
Timing from submitting an application to the money arriving in your bank account is quoted in minutes on average, and same day funding sits on the feature list. Have your own bank account and valid ID card ready, because the transfer goes to an account in your own name.
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