CASHe Personal Loan

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CASHe is an app that provides quick, short-term personal loans to young employed individuals, even if they don't have a traditional credit history. You can borrow amounts ranging from Rs 1,000 to Rs 4 Lakh, with repayment periods of up to 1.5 years. CASHe uses an AI system called Social Loan Quotient, which looks at various factors like your smartphone usage, social media activity, education, monthly income, work experience, and basic personal information to determine if you're eligible for a loan.

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CASHe Bank

Max. Loan Amt.

Up to ₹4L

Rate of Interest

2.25%

Tenure up to

90-540 Days

Processing Fee

Upto 3%

Check Eligibility
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CASHe Personal Loan Interest rates

Loan Tenure Options Rate Of Interest
For 90 days 2.50% per month
For 180 days 2.40% per month
For 270 days 2.25% per month
For 360 days 2.25% per month
For 540 days 2.25% per month

CASHe Personal Loan Highlights May 2024
Interest Rate 2.25% per month onwards
Loan Amount Rs 1,000 to Rs 4 Lakhs
Tenure 90 days to 540 days
Processing Fees Up to 3% of the loan amount
Pre Approved Personal loan | Check Eligibility & Apply Online
Table of Contents
Comparison of CASHe Personal Loan vs Other Lenders
Processing Fees and Charges
EMI Calculator
Eligibility Criteria
Documents Required For Loan Application
FAQs

Here's a comparison of the main characteristics of a personal loan from CASHe when compared to other leading online lenders in India:

Banks/NBFCs Interest Rates(p.a.)
Axis Bank 10.49% onwards Apply Now
IndusInd Bank 10.49% onwards Apply Now
IDFC First Bank 10.49% onwards Apply Now
HDFC Bank 10.50% onwards Apply Now
ICICI Bank 10.50% onwards Apply Now
Kotak Mahindra Bank 10.99% onwards Apply Now
Tata Capital 10.99% onwards Apply Now
Bajaj Finserv 11.00% onwards Apply Now
Federal Bank 11.49% onwards Apply Now
DMI Finance 12.00% - 40.00% Apply Now
L&T Finance 12.00% onwards Apply Now
Kreditbee 12.25% - 30.00% Apply Now
MoneyTap 12.96% onwards Apply Now
Piramal Finance 12.99% onwards Apply Now
Aditya Birla 13.00% onwards Apply Now
MoneyView 15.96% onwards Apply Now
Cashe 27.00% onwards Apply Now

Also read: Best Personal Loan Interest Rate

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Personal Loan Tenure Processing Fee
For 90 days
  • Rs 85 for loan amount between Rs 0 to Rs 5,999.
  • Rs 500 for loan amount between Rs 6,000 to Rs 33,333
  • 1.50% for loan amount between Rs 33,334 to Rs 99,999
For 180 days Rs 1,200 or 2% on the loan amount (whichever is higher)
For 270 days Rs 1,200 or 2% on the loan amount (whichever is higher)
For 360 days Rs 1,200 or 2% of the principal amount (whichever is higher)
For 540 days Rs 1,000 or 3% of the principal amount (whichever is higher)

Types of CASHe Personal Loan

Instant Personal Loan

  • Purpose:  Borrowers can use a CASHe instant personal loan for a wide range of purposes, including home renovation, buying gadgets, consolidating debt, covering travel expenses, and managing medical costs.
  • Loan amount: Rs 1,000 to Rs 4 lakh
  • Loan tenure: 3 months to 1.5 years

Travel Loan

  • Purpose: Borrowers can obtain a travel loan to cover expenses related to their travels and vacations, such as airfare, taxi fares, and hotel accommodations.
  • Loan amount and tenure: CASHe determines the personal loan amount based on the chosen loan tenure. The loan amount and tenure breakdown is provided in the table below:
Loan tenure  Loan amount
90 days (3 months) Rs 15,000 to Rs 1.10 lakh
180 days (6 months) Rs 20,000 to Rs 2.10 lakh
270 days (9 months) Rs 50,000 to Rs 2.58 lakh
365 days (12 months/1 year) Rs 75,000 to Rs 3 lakh
540 days (18 months) Rs 1.25 lakh to Rs 4 lakh

Two-wheeler loan

  • Purpose: Borrowers can use CASHe's two-wheeler loan to buy new or second-hand two-wheeler vehicles.
  • Loan amount and tenure: CASHe determines the personal loan amount based on the selected loan tenure. You can find the loan amount and tenure breakdown in the table below:
Loan tenure  Loan amount
90 days (3 months) Rs 15,000 to Rs 1.10 lakh
180 days (6 months) Rs 20,000 to Rs 2.10 lakh
270 days (9 months) Rs 50,000 to Rs 2.58 lakh
365 days (12 months/1 year) Rs 75,000 to Rs 3 lakh
540 days (18 months) Rs 1.25 lakh to Rs 4 lakh

Mobile Loan

  • Purpose: Borrowers can use CASHe mobile to buy smartphones.
  • Loan amount and tenure: CASHe calculates the personal loan amount depending on the chosen loan tenure. The details of the loan amount and tenure are provided in the table below:
Loan tenure  Loan amount
90 days (3 months) Rs 15,000 to Rs 1.10 lakh
180 days (6 months) Rs 20,000 to Rs 2.10 lakh
270 days (9 months) Rs 50,000 to Rs 2.58 lakh
365 days (12 months/1 year) Rs 75,000 to Rs 3 lakh
540 days (18 months) Rs 1.25 lakh to Rs 4 lakh

Marriage Loan

  • Purpose: CASHe provides wedding loans to assist borrowers in covering their matrimonial expenses.
  • Loan amount and tenure: CASHe provides personal loan amounts based on the chosen loan tenure. The allocation of the loan amount and corresponding tenure is detailed in the table below:
Loan tenure  Loan amount
90 days (3 months) Rs 15,000 to Rs 1.10 lakh
180 days (6 months) Rs 20,000 to Rs 2.10 lakh
270 days (9 months) Rs 50,000 to Rs 2.58 lakh
365 days (12 months/1 year) Rs 75,000 to Rs 3 lakh
540 days (18 months) Rs 1.25 lakh to Rs 4 lakh

Home Renovation Loan

  • Purpose: CASHe offers home renovation loans, allowing borrowers to fund various expenses associated with home improvement, such as tiling, flooring, and more.
  • Loan amount and tenure: CASHe determines the personal loan amount based on the selected loan tenure. A breakdown of the loan amount and corresponding tenure is provided in the table below:
Loan tenure  Loan amount
90 days (3 months) Rs 15,000 to Rs 1.10 lakh
180 days (6 months) Rs 20,000 to Rs 2.10 lakh
270 days (9 months) Rs 50,000 to Rs 2.58 lakh
365 days (12 months/1 year) Rs 75,000 to Rs 3 lakh
540 days (18 months) Rs 1.25 lakh to Rs 4 lakh

Education Loan

  • Purpose: Borrowers have the option to obtain an education loan to cover the costs associated with higher education.
  • Loan amount and tenure: CASHe determines the personal loan amount based on the chosen loan tenure. The distribution of the loan amount and its corresponding tenure is outlined in the table below:
Loan tenure  Loan amount
90 days (3 months) Rs 15,000 to Rs 1.10 lakh
180 days (6 months) Rs 20,000 to Rs 2.10 lakh
270 days (9 months) Rs 50,000 to Rs 2.58 lakh
365 days (12 months/1 year) Rs 75,000 to Rs 3 lakh
540 days (18 months) Rs 1.25 lakh to Rs 4 lakh

Consumer Durable Loan

  • Purpose: Borrowers can use this loan for purchasing goods and electronics for their home like LED tv, air conditioners, refrigerators.
  • Loan amount and tenure: CASHe provides personal loan amounts based on the selected loan tenure. A breakdown of the loan amount and its corresponding tenure is detailed in the table below:
Loan tenure  Loan amount
90 days (3 months) Rs 15,000 to Rs 1.10 lakh
180 days (6 months) Rs 20,000 to Rs 2.10 lakh
270 days (9 months) Rs 50,000 to Rs 2.58 lakh
365 days (12 months/1 year) Rs 75,000 to Rs 3 lakh

Car Loan

  • Purpose: CASHe provides unsecured auto loans to assist its borrowers in acquiring new or used four-wheeler vehicles.
  • Loan amount and tenure: CASHe offers personal loan amounts determined by the chosen loan tenure. The table below provides a breakdown of the loan amount and corresponding tenure options:
Loan tenure  Loan amount
90 days (3 months) Rs 15,000 to Rs 1.10 lakh
180 days (6 months) Rs 20,000 to Rs 2.10 lakh
270 days (9 months) Rs 50,000 to Rs 2.58 lakh
365 days (12 months/1 year) Rs 75,000 to Rs 3 lakh
540 days (18 months) Rs 1.25 lakh to Rs 4 lakh

Medical Loan

  • Purpose: Borrowers can access this medical loan to cover expenses associated with medical emergencies.
  • Loan amount and tenure: CASHe provides personal loans based on the selected loan duration. The loan amount and tenure details are displayed in the table below:
Loan tenure  Loan amount
90 days (3 months) Rs 15,000 to Rs 1.10 lakh
180 days (6 months) Rs 20,000 to Rs 2.10 lakh
270 days (9 months) Rs 50,000 to Rs 2.58 lakh
365 days (12 months/1 year) Rs 75,000 to Rs 3 lakh
540 days (18 months) Rs 1.25 lakh to Rs 4 lakh

Also read: Best Personal Loan in India

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EMI Calculator -

Also read: Best Personal Loan EMI Calculator

1. You should be an Indian resident. 2. You must be a salaried employee. 3. Your age should be between 23 and 58 years. 4. Your minimum net monthly income should be Rs 15,000. 5. You should have an active Facebook, LinkedIn, or Google+ account. 6. Even if you don't have a formal credit history, you can still apply for and obtain a personal loan through CASHe.

Also read: Best Personal Loan Eligibility

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To avail a CASHe personal loan, you'll need to provide the following documents:

  • Photo identity proof: PAN Card
  • Income proof: Latest salary slip
  • Identity proof: Aadhaar card
  • Permanent address proof: Accepted documents
  • Latest bank statement showing salary credit

Also Read: Best Personal Loan Documents Required

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1. How do I contact CASHe?

You can email at support@cashe.co.in if you have any queries.

Also read: Best Personal Loan Balance Transfer

2. Is CASHe a bank or an NBFC?

CASHe is not a bank or an NBFC itself; instead, it is powered by Bhanix Finance and Investment Ltd., an RBI registered NBFC (Non-Banking Financial Company).

Also read: Best Personal Loan Salaried Employees

3. Is it possible to shift the loan tenure after taking a loan?

Yes, You can extend your loan duration to 90, 180, 270, 360 days, or even up to 1.5 years (540 days) once you've paid off your existing loan.

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