Vaya AI Advisor Tells Vietnamese Borrowers If They Can Afford a Loan

A new AI-powered loan advisory tool called Vaya has been launched, targeting borrowers in Vietnam who want to know whether a loan is financially survivable, not just competitively priced. The platform compares real loan products from over 20 Vietnamese banks, displaying rates, terms, and repayment schedules side by side. Its core feature is a 'survival score' generated by a Monte Carlo simulation that calculates the probability a loan will push a borrower into financial distress, while also flagging safer alternatives. Vaya also includes a reverse marketplace where borrowers post anonymous requests and banks submit competing offers, shown alongside each bank's publicly listed rate. The tool supports English, Vietnamese, and Chinese, requires no sign-up, and is accessible via a live demo at vaya-project.vercel.app.
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