Moniva - How it works?

How it works?

Sign Credit Service Agreement

Contact HR or download the 1 page agreement directly from the web site. This is the only time you will be required to sign anything!

Access Credit Online

We set up a dedicated web app for each company we collaborate with. Just log in using your employee number and follow the simple instructions. You can access credit using their mobile, tablet or PC

Credit Eligibility

Each employee has a personalized credit line based on his specific profile. We determine your credit line based on data provided by your employer including your salary, years in the company position etc. We also update your eligible amounts occasionally based on your transactions and repayments

Disbursing Money

Once you decide on the amount you want and you have set up your repayment schedule money is sent to the your salary bank account instantly. Its that easy!


Repayments are done directly to us by the employer, in the form of monthly deductions from your salary. This way we reduce our risk and are able to give you competitive and fair pricing