A CASHe Personal Loan can help salaried individuals manage urgent or planned expenses such as medical bills, travel, home improvement, education, or large purchases.
Loan amounts range from ₹15,000 to ₹3,00,000, with interest rates ranging from 1.667% to 3.00% per month, or 20% to 36% p.a. The repayment tenure ranges from 90 days to 540 days, giving borrowers different repayment options.
CASHe Personal Loan Details
You can apply for a CASHe Personal Loan online without visiting a branch. Here are the main loan details:
| Feature | Details |
| Interest Rates | 1.667% to 3.00% per month (20% to 36% p.a.) |
| Loan Amount | ₹15,000 to ₹3,00,000 |
| Loan Tenure | 90 days to 540 days (3 to 18 months) |
| Processing Fee | 5% to 6% of the loan amount |
| Minimum Monthly Income | ₹30,000 per month |
CASHe Personal Loan Interest Rates
CASHe Personal Loan interest rates are calculated on a reducing balance basis. The applicable rate depends on the repayment tenure you choose.
| Loan Tenure Options | Interest Rate (per month) | Annualized Interest Rate |
| 90 days | 1.667% per month | 20% p.a. |
| 180 days | 2.50% per month | 30% p.a. |
| 270 days | 2.79% to 3.00% per month | 33.5% to 36% p.a. |
| 360 days | 2.79% to 3.00% per month | 33.5% to 36% p.a. |
| 540 days | 2.79% to 3.00% per month | 33.5% to 36% p.a. |
CASHe Personal Loan Fees & Charges
Apart from interest, CASHe also charges processing fees based on the selected loan tenure.
| Personal Loan Tenure | Processing Fees |
| 90 days | 5% of the loan amount |
| 180 days | 6% of the loan amount |
| 270 days | 5.5% of the loan amount |
| 360 days | 5.5% of the loan amount |
| 540 days | 5.5% of the loan amount |
Note: Borrowers get a 5-day interest-free grace period at the end of every month to pay their EMI. A penal charge of 0.0986% per day applies if the payment is made after the grace period.
CASHe Personal Loan Eligibility Criteria
Before applying for a CASHe Personal Loan, check whether you meet the basic eligibility requirements:
- You must be an Indian citizen living in India.
- You must be a salaried professional.
- Your age should be between 18 and 58 years.
- Your net monthly income should be at least ₹30,000, credited to your bank account.
- You should have an active Facebook, LinkedIn, or Google+ account for identity verification.
- CASHe uses its own Social Loan Quotient (SLQ) system for credit assessment, so traditional credit history is not strictly mandatory.
Documents Required for CASHe Personal Loan
Keep the following documents ready before applying for a CASHe Personal Loan:
- ID Proof: PAN Card and Aadhaar Card.
- Income Proof: Latest salary slip or 3-month bank account statement showing salary credits.
- Address Proof: Passport, Driving Licence, utility bills, or Voter ID Card.
- Photo Proof: A clear selfie uploaded through the mobile app.
Calculate EMI For CASHe Personal Loan
You can use a personal loan EMI calculator to estimate your monthly repayment before applying for a CASHe loan.
Enter the following details:
- Loan amount
- Interest rate
- Repayment tenure
The calculator will show your estimated monthly EMI and total interest payable.
Compare CASHe Personal Loans Over Other NBFCs
Discover the ideal solution for your financial requirements by comparing CASHe personal loans with leading Non-Banking Financial Companies (NBFCs).
| NBFCs | Interest Rates (p.a.) |
| CASHe | 20% onwards |
| Fibe | 18% onwards |
| Paysense | 16.8% onwards |
| HDB Financial services | 11% onwards |
| Home Credit | 24% |
| Money View | 14% onwards |
| RBL Bank | 14% onwards |
| KreditBee | 15% |
| Muthoot Finance | 13% onwards |
| IIFL | 12% onwards |
| mPokket | 22% onwards |
| InCred | 13.49% onwards |
| L&T Financial Services | 10.5% onwards |
Note: The interest rates mentioned above are subject to change at the lenders’ discretion.
Features & Benefits of CASHe Personal Loan
Here are some of the main features of a CASHe Personal Loan:
- 100% Digital Process: You can apply online through your smartphone with minimal paperwork.
- Instant Disbursal: Approved funds are transferred directly to your bank account within minutes.
- No Collateral Needed: You do not need to pledge property or other assets.
- Flexible Repayment Tenure: Choose a repayment period between 90 and 540 days.
- Advanced AI Evaluation: CASHe’s Social Loan Quotient evaluates digital information in addition to traditional credit bureau data.
Types of CASHe Personal Loans
The different types of CASHe personal loans are as follows:
- Two-wheeler Loan: Secure a personal loan specifically for acquiring a new or used two-wheeler. Whether it’s a brand-new bike or a pre-owned one, enjoy the hassle-free application process, and competitive interest rates.
- Travel Loan: Obtain a personal loan to finance travel expenses and vacations.
- Mobile Loan: Access a personal loan tailored for purchasing a new or pre-owned mobile device.
- Marriage Loan: Acquire a personal loan specifically intended for covering wedding-related costs.
- Home Renovation Loan: Obtain a personal loan to fund home renovation projects.
- Education Loan: Secure a personal loan dedicated to covering tuition fees and higher education expenses
- Consumer Loan: Access a personal loan specifically for purchasing consumer durables.
- Car Loan: Obtain a personal loan tailored for acquiring a new or used car.
- Medical Loan: Secure a personal loan designed to assist with medical emergencies and related expenses.
How Do You Apply for CASHe Loans with Buddy Loan?
Steps To Apply For a Personal Loan with Buddy Loan
- Step 1: Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).
- Step 2: Open the Personal Loan Application Page. Provide the mobile number and enter the received OTP.
- Step 3: Specify the desired loan amount & personal email. Next, choose the Personal Loan option
- Step 4: Choose the employment type (Salaried, Self-Employed, or Student) and the salary mode (bank or cash).
- Step 5: Enter your work details (Including company name, years of service and Designation)
- Step 6: Enter your personal details (Including Full Name, PAN, address DOB & Gender)
- Step 7: Provide your communication address, and income details and Click the ‘Submit’ button.
CASHe Personal Loan Customer Care Number
If you need help with your CASHe loan application or account, you can use the following support options:
| Support Channel | Details |
| Contact Support / WhatsApp | +91 8097553191 |
| Official Website | [[suspicious link removed]](https://[suspicious link removed]/) |
| Contact Page | CASHe Contact Us |
| Parent Company / NBFC | Bhanix Finance and Investment Limited (RBI Registered NBFC) |
| Mobile App Support | Available on Google Play Store and Apple App Store |
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