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CASHe Personal Loan Interest Rates

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%
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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

CASHe Interest Rate for Different Types of Loans

CASHe offers personal loans at an interest rate starting at 2.25% per month or 27% p.a. The interest rates of CASHe personal loans for different tenures are given below :

Loan Tenure Interest Rate (per month)
90 days 2.50% onwards
180 days 2.40% onwards
270 days 2.25% onwards
360 days 2.25% onwards
 540 days 2.25% onwards

How to Get Low Interest Rates on CASHe Personal Loan?

The following tips could enable you to avail a lower rate of interest on your CASHe personal loan:

  • Minimize your existing debt
  • Pay your credit card dues and EMIs on time
  • Build and maintain a stable history of employment
  • Have a good SLQ (Social Loan Quotient) score

Factors Affecting Interest Rates

Given below are some important factors which can affect CASHe personal loan interest rates:

  • Level of education: Generally applicants with a higher level of education are more likely to avail a lower rate of interest on their personal loan as they are more likely to secure good employment opportunities with higher levels of income.
  • Level of income: Often applicants with higher income are offered a lower rate of interest on personal loans as they are thought to have better repayment capacity and are less likely to default on repayments. On the other hand, applicants with lower annual incomes are often charged a higher rate of interest on personal loans as they pose a relatively higher risk to the lender.
  • Career experience: Having a good stable history of employment and a steady job can help you avail a lower rate of interest on personal loans as it indicates personal and financial stability.
  • Age: Usually, with an increase in the age of the applicant, the interest rate charged on personal loans also increases. The reason behind this is that the possibility of an increase in the income level of the applicant decreases as he/she gets closer to retirement.
  • SLQ score: The SLQ (Social Loan Quotient) is a dynamic score that CASHe calculates using its own proprietary algorithm. Unlike the traditional credit score, this scoring method is unique to CASHe and may be described as a social media behaviour-based credit rating system. This score helps CASHe determine default risk based on an individual’s mobile and social media footprint, education, career, work experience, monthly salary, etc.
  • Loan amount desired: Often higher loan amounts result in personal loans being offered at higher rates of interest. So you should only borrow an amount that is absolutely necessary and choose a repayment tenure that is best suited to your repayment capability.

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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FAQs

All salaried individuals can avail a personal loan from CASHe, provided they meet the lender’s other eligibility criteria.

You can avail a CASHe personal loan starting from as low as Rs. 1,000 and up to Rs. 4 lakh.

CASHe makes use of the reducing balance method to compute the EMI payable on its personal loans. This method involves calculating interest only on the outstanding loan principal every month and thus, the interest payable decreases with every EMI payment.

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