StashFin Personal Loan: Apply for Instant Loan Online

Note: The above-mentioned interest rates, fees and charges may change and shall depend on the sole discretion of StashFin and RBI. Interest rates are updated as on 25th Nov 2021.

Starting from amounts as low as Rs. 1000, StashFin offers personal loans for amounts up to Rs. 5 lakh ensuring that various financial needs of an individual, big or small are fulfilled without any stress. If you are a salaried individual, you can avail StashFin Personal Loan to fulfil needs such as home renovation, plan a vacation, purchase consumer durables, debt consolidation, etc. You can repay the personal loan from StashFin later with a flexible tenure that ranges from 3 months to 36 months.

Features of StashFin Personal Loan

• Flexible loan amount: The amount offered by StashFin on a personal loan starts from Rs. 1000 and goes up to Rs. 5 lakh and hence caters to various personal needs of an individual
• Minimum documentation: You only need to submit a few documents to avail StashFin Personal Loan and they are picked up from your office or home as per your convenience
• Flexible repayment options: Starting from 3 months to 36 months, the tenure of StashFin Personal Loan is flexible and the loan can be repaid as per your repayment ability and convenience
• Quick approval: As the loan can be applied online, the process is hassle free and ensures quick approval and disbursal

StashFin Personal Loan Interest Rates

The interest rate offered by StashFin on a personal loan starts at 11.99% APR (Annual Percentage Rate). The actual rate offered to an applicant may vary from individual to individual depending upon the loan amount, repayment history, nature of employment and other factors.

Eligibility Criteria of StashFin Personal Loan

• You should be a salaried individual
• Your monthly income should be at least Rs. 18,000
• You must have a good credit history

Also Know: What CIBIL score is required for a personal loan?

Types of StashFin Personal Loan

• Marriage Loan: Marriage Loan by StashFin lets you pay for any expenses related to your special day including invitation cards, venue, decoration, accommodation for guests, etc. You can avail a loan amount of up to Rs. 5 lakh and can pay interest only on the amount you use
• Shopping Loan: Personal loan for shopping is an ideal solution when you need to buy your favorite gadget or dress instantly and can pay the dues later in affordable installments. You can avail a loan amount of as high as Rs. 5 lakh from StashFin
• Home Renovation Loan: Available up to Rs. 5 lakh, home renovation loan can help you to paint those old walls, add new furniture to your drawing hall, get a modular kitchen and a lot more
• Debt Consolidation Loan: A debt consolidation loan lets the borrower to merge his various loans and credit card bills into a single loan and pay only one EMI. This way, it not only gets easier for you to repay the loan but the interest rate also reduces
• Travel Loan / Holiday Loan: Whether you are a solo traveler or prefer travelling with friends or family, travel loan by StashFin ensures to take care of the travelling expenses by offering a loan amount of up to Rs. 5 lakh. With a travel loan, you can enjoy your vacation without any stress and can pay back later in easy EMIs
• Mobile Loan: If there is any mobile in the market that you are planning to buy since a long time, you can avail StashFin mobile loan to end your wait. Just avail the loan, buy your preferred mobile phone and pay back later in easy instalments
• Laptop Loan: With the loan amount of as high as Rs. 5 lakh offered by StashFin on a laptop loan, you can easily buy the laptop of your choice and can pay as per your repayment ability by choosing the right tenure
• Consumer durable loan: The consumer durable loan allows the customers to buy from a vast variety of household items like LED, washing machine, air conditioner, TV, furniture, clothes, microwave, speaker, etc. If you meet the eligibility criteria, you can avail up to Rs. 5 lakh under consumer durable loan
• Personal Loan for Self Employed: Planning to expanding your business or to start a new one or there is a financial emergency at home? Whatever the reason may be, if you are a self-employed individual you can apply for a personal loan at StashFin and can fulfil various personal and professional needs

Know all about: Personal Loan For Self Employed With Low Cibil Score

Documents Required for Loan Application

The following are the key documents required for all StashFin personal loan applicants:

• ID Proof- PAN Card
• Address Proof: Aadhaar Card

Specific documents required for salaried/self-employed individuals are as follows:

For salaried:

• 3 month salary slip and 6 month bank statement till date
• Copy of cheque of salary bank account

For self-employed:

• Income Tax Return
• GST Return
• Bank statements of the past 6 months
• Proof of business ownership, and continuity
• Audited financials from the previous two years
• Office address proof

Fees and Other Charges

The following are some key fees/charges associated with a StashFin personal loan*:

*GST at applicable rate over and above the charges mentioned.

StashFin Personal Loan Top-Up

If you are an existing customer of StashFin, you can avail top- up loan after paying 50% of your EMIs i.e. after completion of half of the tenure of your existing StashFin personal loan:

• Log into you StashFin online account
• Click on ‘I want to apply for top- up loan’
• Login using your credentials and proceed

Comparison of StashFin PL vs Other Lenders

The following table compares the credit line personal loan of StashFin to similar lending options from other online lenders in India:

StashFin Customer Care

If you have any queries, you can check out the “Contact Us” section of the StashFin official website. Alternately, you can log into your online StashFin account and get your query answered by the customer care department.

FAQs

Q1. How do I get to know if my personal loan application is approved?

When your personal loan application gets approved, you receive an email and a notification on your mobile phone.

Q2. My personal loan application got rejected. Can I re-apply for it?

Yes, you can re- apply for a StashFin personal loan after the 3 months of rejection of your previous loan application. However, do try and find out the reason for the personal loan rejection so that your chances of approval can increase.

Q3. How can I repay my personal loan?

You can repay your personal loan via post-dated cheques or NACH (National Automated Clearing House) mandates. Also, you can pay online on the official website or app of StashFin.

Q4. Can I foreclose my personal loan?

Yes, you can request for foreclosure after paying 3 EMIs.

Q5. After I complete loan repayment, do I get a NOC from StashFin?

Once you have repaid your StashFin personal loan in full, you can get a NOC (no objection certificate) from StashFin by contacting the customer care department.