AnTam Tien

AnTam Tien is an online consumer loan application that helps you access loans transparently, with control, and tailored to your ability to repay.

Registration, approval, and loan tracking are all done on your phone.
Loan amount, term, interest rate, and repayment schedule information are clearly displayed before confirmation.
No service fees, management fees, disbursement fees, early repayment fees, or separate penalty fees are charged – you only pay the principal and interest as per the contract.
An internal risk assessment and control system ensures fast processing of applications while prioritizing security.
Loan Information
Loan amount: from the minimum amount displayed on the application, up to a maximum of VND 45,000,000.
Loan term: from 90 to 365 days.

Annual interest rate (APR): up to 23%/year.

No hidden fees: no separate application fees, administration fees, disbursement fees, reminder fees, or late payment penalties.

Details of each loan (amount, term, specific interest rate, repayment schedule) will be displayed in the Loan Information Sheet before you click “Agree”.

Example Loan Description
The example below is for reference only:
Loan Amount: 40,000,000 VND
Loan Term: 365 days
Interest Rate: 23%/year
Estimated Interest (assuming simple calculation on the principal balance for the full 365 days):
Interest = 40,000,000 × 23% = 9,200,000 VND
Total Amount to be Paid Upon Maturity = 40,000,000 VND (Principal) + 9,200,000 VND (Interest) = 49,200,000 VND
If the loan is repaid in installments, the application will automatically allocate the principal and interest to each installment; the Loan Information and Repayment Schedule displayed in the application is for your reference when making payments.
Basic Loan Requirements

Vietnamese citizens residing in Vietnam.
Made to be 18 years of age or older and possess full legal capacity.
Have a stable mobile phone number and a bank account for receiving/repaying funds.
Provide accurate and truthful personal information, occupation, income, and emergency contact details.
Loan approval depends on the assessment results and risk management policies at the time.
Loan Application Steps

1. Download and open the AnTam Tien app, register an account using your phone number.

2. Complete the basic profile: personal information, occupation, income, bank account for receiving funds, emergency contact.

3. Verify your identity according to the instructions in the app (take photos of documents, facial photos/eKYC if required).

4. After completing the verification step, the system will automatically conduct an assessment and risk evaluation based on the information you provided and internal rules.

5. Once the application is approved, the loan will be disbursed to your registered bank account; disbursement information and repayment schedule will be displayed in the application.

6. You can track the approval status, disbursement results, and subsequent payment installments directly in the application, and receive due date reminders when needed.
Payment Methods and Supported Banks

You can repay your loan via:

Bank transfer using the information displayed in the “Payment” section of the application;

Several electronic payment channels/deposit points are supported at different times.

The system accepts payments from most popular commercial banks in Vietnam. A list of specific payment channels, account numbers, and detailed instructions will be clearly displayed in the application before you make a transaction.
Contact Us
If you have any questions about our loan products, your application, or need assistance using the app, please contact us:
Support Email: advise@songmiantay.com
Customer Service Phone: +84 353014658

AnTam Tien encourages you to borrow within your means, proactively monitor your payment schedule, and use your loan for legitimate and responsible financial purposes.