CASHe Personal Loan

4.5

CASHe, an emerging provider of instant personal loans, stands out for its seamless application process, competitive interest rates, and borrower-friendly features with the CASHe personal loan scheme. 

CASHe offers a range of personal loan products to meet salaried individuals’ diverse financial needs. Whether covering medical expenses, funding a home renovation project, or planning a dream vacation, CASHe personal loans provide instant access to funds with minimal documentation and quick disbursal. With loan amounts ranging from ₹15,000 to ₹4,00,000 and flexible repayment tenures extending up to 18 months, borrowers can choose a loan that suits their requirements.

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CASHe Personal Loan

Interest Rate

27%

Loan Amount

₹1K - ₹4L

EMI Per Lakh

₹3,054

Processing Fees

We offer a 2.50% interest rate per month (Equivalent to reducing the balance interest rate to 3.71% per EMI) on the loan amount.
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Pre-Payment Charges

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Features CASHe Personal Loans

CASHe personal loans come with a host of features that make them a preferred choice among borrowers:

  • Flexibility in loan amount: Borrowers can avail themselves of personal loans ranging from ₹15,000 to ₹4,00,000, depending on their eligibility and requirements.
  • Fast Disbursal: CASHe ensures speedy disbursal of funds, with loan approvals and credit transfers processed within hours of application submission.
  • No Collateral Required: Unlike traditional loans that demand collateral, CASHe personal loans are unsecured, eliminating the need for pledging assets.
  • Competitive Interest Rates: CASHe offers competitive interest rates on personal loans, making them affordable for borrowers from diverse backgrounds.
  • Easy Application Process: With a user-friendly interface and minimal documentation requirements, applying for a CASHe personal loan is a seamless experience.

CASHe Personal Loan Interest Rates

Interest rates play a crucial role in measuring the affordability of a personal loan. CASHe personal loan offers competitive interest rates, ensuring borrowers can avail of funds without burdening themselves with unreasonable repayment amounts. The interest rate CASHe charges may vary based on the loan amount, repayment tenure, and the borrower’s credit history. Below is the table with information on rates of interest. 

Loan Tenure Interest per month Annual Percentage Rate
3 months 2.50% 30.42%
6 Months 2.40% 29.20%
9 Months 2.25% 27.38%
12 Months 2.25% 27.38%
18 Months 2.25% 27.38%

CASHe Fees and Charges

While availing of a personal loan, borrowers must consider the associated fees and charges to assess the overall cost of borrowing. CASHe levies processing fees starting from ₹500, which may vary based on the loan amount and tenure. Additionally, late payment fees are applicable in case of delayed EMIs.

Loan Tenure Interest per month
3 months
  • ₹85 flat for loans up to ₹5,999
  • ₹500 flat for loans between ₹6,000 to ₹33,333
  • 1.50% for loans from ₹33,334 to ₹99,999
6 Months ₹1,200 or 2% of the loan, whichever is higher
9 Months ₹1,200 or 2% of the loan, whichever is higher
12 Months ₹1,200 or 2% of the loan, whichever is higher
18 Months ₹1,000 or 3% of the loan, whichever is higher

Documents Required for CASHe Personal Loan

Applying for a CASHe personal loan requires submitting essential documents to verify the applicant’s identity, income, and address. The commonly required documents include:

  • Proof of identity: PAN Card
  • Bank Statements: The latest bank statements reflect salary credits and financial transactions.
  • Address proof: Aadhaar Card
  • Salary Slips: Documents showcasing the applicant’s monthly income and employment details.

Calculating Your Loan EMI

CASHe provides an online EMI calculator that allows borrowers to determine their monthly instalments based on the loan amount, repayment tenure, and applicable interest rate. By entering these details into the EMI calculator, borrowers can obtain a clear estimate of their EMI amount and plan their budget accordingly.

For reference, below is the table of EMI estimation for a 2,00,000 CASHe personal loan. 

Loan Tenure EMI Amount Interest Payable Total Amount Payable
3 Months ₹70,075 ₹10,225 ₹2,10,225
6 Months ₹36,229 ₹17,374 ₹2,17,374
9 Months ₹24,834 ₹23,503 ₹2,23,503
12 Months ₹19,241 ₹30,887 ₹2,30,887
18 Months ₹13,673 ₹46,115 ₹2,46,115

FAQs

From refinancing to reducing your interest, we have the answers right here.

How much can I borrow with a CASHe Personal Loan?

With CASHe Personal Loans, you can borrow amounts ranging from ₹15,000 to ₹4,00,000, depending on your eligibility and requirements.

How long does it take to disburse a CASHe Personal Loan?

The disbursal of a CASHe Personal Loan typically occurs within hours of approval, ensuring quick access to funds for your financial needs.

Can I calculate my loan EMI before applying?

Yes, you can calculate your loan EMI before applying for a CASHe Personal Loan with an online EMI calculator, which allows borrowers to input the loan amount, repayment tenure, and applicable interest rate to estimate their monthly instalments. This helps borrowers plan their finances effectively and make informed decisions regarding loan repayment obligations.

Are there any pre-payment charges for CASHe Personal Loans?

Yes, there are pre-payment charges applicable for CASHe Personal Loans. The specific charges may vary based on the terms and conditions of your loan agreement. Reviewing the loan agreement or contacting CASHe directly to understand the pre-payment charges applicable to your loan is advisable.

How can I contact CASHe for more information about personal loans?

To contact CASHe Bank for information about personal loans, visit their website for detailed loan product information and contact details. Utilise their customer support services through phone, email, or live chat, accessible via their website. Alternatively, check their mobile app for direct support options or explore their social media accounts for inquiries.

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