NOVA Finance

Nova Finance is a financial services app focussed on employee financial well-being. Nova Finance (by Viva Finance Private Limited) is licensed and registered as a Non-Banking Financial Company (NBFC) under Securities and Exchange Commission of Pakistan (SECP) to provide digital earned wage access services & adheres to the effective regulatory compliance for Earned Wage Access (EWA). Employees who have their employers registered with Nova Finance can access Nova App’s earned wage access services, providing employees with peace of mind and convenience of quickly accessing their earned wage before the payroll disbursement date.

How it works?
According to Pakistan regulations, you will need to create an account on Nova App by uploading your CNIC and Selfie (after your Employer company has partnered with us). Once you have subscribed, you can simply request the amount you want to withdraw from your earned salary. You can perform as many Advance Transactions as you want (within your available limit). You can transfer the money to your bank account. The total transacted amount will be deducted from your next month’s salary by your employer. For more information visit www.novafinance.pk or drop us an email at [email protected].

NOTE: As per the regulatory framework of Pakistan, EWA is not a loan and repayment is made in the next month's payroll cycle irrespective of the day you withdraw, and there is no APR associated with it. Only a monthly subscription fee is charged if you want to use the Nova Finance EWA service. Viva Finance Private Limited is licensed by SECP to provide digital lending services with licence number SECP/LRD/165/VFPL/2024