Personal Loans from CashPey; India's Own App.

Last updated: June 2026 | Rates & eligibility criteria current for 2026 | ✓ Verified by Certified Financial Advisors

Unique Benefits for Applicants.

Online
Process

Convenient
Documentation

CIBIL Score
required 685+

Instant
Response

Personal loan for CashPey

Personal Loans from CashPey; India's Own App

CashPey is an RBI-registered personal loan provider that empowers salaried individuals in India to meet their financial needs instantly through a digital interface. The CashPey App is the best loan app in India for personal and emergency needs, offering quick funding and an online process. Funds issued as a personal loan from CashPey are intended for individual use, such as home renovation, educational expenses, travel needs, emergency shortfalls, payment of credit card dues and debt consolidation.

Click here to view the Agreement Document: Download Now

Representative Example for Cashpey Personal Loan Charges.

Loan Amount	₹ 200000/-
Interest rate	20% monthly reducing
Processing Fees @ 5%	₹ 10000/-
Repayment Tenure	36 months
EMI	₹ 7432.72

Your Loan Advisor's services are provided FREE of charge.

Features of the CashPey Personal Loan App.

If you are looking for the best personal loan app, CashPey is the ideal option. Here are some features of CashPey, an RBI-approved personal loan app.

Unsecured Loan: Loans are provided without any security or collateral.
Loan Amount: Loans ranging from ₹50,000 to ₹5,00,000 are issued to eligible salaried applicants.
Tenure: The tenure applicable for repayment of the loan via EMI is from 3 months to 36 months.
Processing Time: Funds are credited to your account within 72 hours.
Interest Rate: Interest is charged at a monthly reducing rate from 18% onwards.

Eligibility Criteria for a Personal Loan from CashPey.

CashPey, as a personal loan app online, asks users to meet the following eligibility criteria:

Age: Applicants aged 21 years or above are eligible to apply and can repay the loan up to 65 years of age.
Income: Minimum monthly income of ₹25,000/- and above, with salary credited to a bank account.
Education: Educational qualification of Graduation and above.
Work Experience: A minimum work experience of 12 months or more.
CIBIL Score: Applicants must have a minimum CIBIL score of 685.
Employment: Loan seekers who are regularly employed by any company are eligible to apply.

What are the benefits of the CashPey personal loan?

CashPey, being one of the best personal loan apps in India, offers numerous benefits to its users. Here are some of the core benefits of using CashPey:

Completely Digital Process: Fulfil your need for funds with a simplified digital process from CashPey. The comprehensive app allows you to complete your application online from the comfort of your home or office.
Transparent Terms and Conditions: Since CashPey is an RBI-approved personal loan app, the loan terms and conditions are clearly communicated to the applicant at the time of disbursal.
Flexible Repayment Options: Applicants can choose a suitable EMI and repay the personal loan conveniently over a tenure of up to 36 months.
Easy Customer Care Reach: Round-the-clock customer service is available to CashPey customers for any queries regarding their loan.
Unrestricted Usage: The personal loan amount, once disbursed, can be used by the applicant for any personal financial requirement.
CIBIL Requirements: CashPey accepts applicants with a CIBIL score of 685 and above. CIBIL enquiries are also considered, making it a suitable option for borrowers with a relatively low credit score.
Debt Consolidation Options: Applicants with a CIBIL score below 700 may be able to consolidate existing debts through a personal loan from CashPey at a reasonable interest rate.

Personal Process from CashPey.

Download the CashPey App.
Fill in the Application Form.
Upload the Required Documents.
Complete the Verification Process.
Receive an Online Decision.
Sign the Agreement Digitally.
Funds are Transferred to Your Account through ECS.

Personal Loan Charges from CashPey.

Interest Rate: Applicable from 18% to 36% on a monthly reducing-balance basis. The interest rate is determined at the time of fund disbursal and remains fixed throughout the loan tenure.
Processing Fees: A processing fee of 5% to 7% is deducted from the loan amount before disbursal. No fees are required to be paid in advance when applying for the loan.
Foreclosure Charges: Applicants can foreclose the loan after completing 6 EMI payments. A foreclosure charge of 5% is applicable on the outstanding principal amount.

Ready Reckoner for Cashpey personal loan.

Loan Amount	₹50,000/- to ₹5,00,000/-
Repayment Tenure	3 to 36 months
Interest Rate	18% to 36% per annum
Processing Fee	5% of loan amount + 18% GST
Penal Charges	2% per month on the overdue amount
Pre/Foreclosure Charges	5% to 7% of remaining principal + GST (after 3 EMIs)
e-NACH Dishonour Charges	₹500 + 18% GST
Cheque Bounce Fee	₹500 + GST

Documents Required

Income Documents

3 Salary Slips for 3 months.

3 months bank statement.

KYC Documents

Pan Card

Aadhaar card

Local Address proof

2 Passport-size photographs

Locations for availability of Cashpey personal loans:

Customers residing in the Top metro cities of India can avail the privileges of the Cashpey personal loans:

New Delhi/NCR
Bangaluru
Chennai
Mumbai
Pune
Hyderabad

FAQ'S

What is CashPey?

CashPey is India's most trusted financial services provider and an affiliate of Naman Commodities Private Limited, an RBI-registered NBFC. Personal loans are issued to candidates who meet the eligibility criteria via a digital interface.

Why apply for a personal loan with the CashPey App?

Personal loans from CashPey are delivered to eligible applicants with:

Quick processing for timely delivery to fulfil urgent requirements.
Convenient repayment options via a suitable EMI.
Suitable terms and eligibility criteria.

What is the CIBIL policy of CashPey personal loan?

Applicants need a CIBIL score of 685 points and above.
The applicants' credit obligations must not exceed the monthly FOIR.
There must not be any recent bounces in the last 3 months.

How to calculate the loan amount eligibility with CashPey?

CashPey issues loan amounts considering:

The monthly income.
The existing EMI and credit card obligations.
50% of the salary is the FOIR (Fixed Obligations versus Income) allowed.
Applicants can calculate the eligibility for the loan amount using the eligibility calculator.

What are the eligibility criteria for a personal loan accepted by CashPey as compared to banks?

The following profiles not serviced by banks are eligible to apply for a CashPey Personal Loan:

CashPey Personal Loans	Personal Loans from Banks
Income of ₹25,000/-	Income of ₹30,000/-
Salary transferred or by Cheque	Only direct salary transfer is accepted.
Proprietorship and Partnership company employees accepted	Only employees of listed companies are eligible.
CIBIL Score of 685+ accepted	CIBIL score must exceed 720+
CIBIL enquiries not counted	Not more than 5 CIBIL enquiries allowed

What are the benefits of CashPey as compared to other apps?

Customers can avail multiple benefits of a personal loan from CashPey as compared to other apps:

CashPey	Other Apps
Monthly reducing interest rate @ 18% onwards	Fixed higher annual interest rate
Repayment tenure up to 36 months	Restricted tenure
Direct funding and customer services	Third-party funding
Terms communicated before disbursal	Uncertain terms
Personal loan amount up to ₹5 Lakhs	Lower personal loan amounts issued

How does the CashPey App facilitate debt consolidation?

Customers with credit card overdues can apply for a CashPey personal loan to repay their credit card bills and avail a lower interest rate with the convenience of repayment through equated monthly instalments.

What are the CashPey customer care contact details?

CashPey has 24/7 customer service availability.
For any queries, email info@cashpey.com.
For grievance-related issues, email grievance@cashpey.com.
You may also contact the grievance redressal officer directly at 7003270034.

Are there any hidden charges or an upfront amount to process a CashPey personal loan?

CashPey maintains a policy of transparency at all stages of the personal loan process.
No upfront payment is required to process a personal loan with CashPey.
Processing fees are deducted from the loan amount before disbursal.
All charges are clearly listed in the loan agreement signed before disbursal.

How much loan amount can I borrow from the CashPey app?

Eligible customers are offered personal loans ranging from ₹50,000 up to ₹5 Lakhs. The eligibility criteria are based on:

The profile of the customer.
The monthly salary credit.
The existing credit obligations.

How long does the loan approval process take in the CashPey App?

The personal loan process from Cashpey is streamlined and fast.
The customer can apply and upload the documents online.
The verification process is conducted promptly.
After the decision and approval, the applicant can sign the agreement digitally.
The loan amount is transferred electronically to the Bank Account.

Is my personal information secure with the CashPey Loan App?

CashPey maintains strict security standards to protect applicants' financial data from unauthorized access and misuse. Measures include encrypted data transmission, secure storage practices, and access controls. Loan records are maintained in accordance with RBI-mandated requirements.

Direct Association: Your Loan Advisors is directly associated with Cashpey as a Direct Sales Agent (DSA) for the marketing of Personal Loans, in accordance with the terms of the agreement. To refer customers for processing their personal loan requirements as per the terms and conditions of Cashpey.

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What Our

Clients Say About Us

Neeraj Kumar

1 month ago

Thanks to your loan advisors team I got personal loan with any hassle My name is Neeraj Kumar Gundu i am a seafarer working as a 3rd Engineer for seaspan shipping company
Loan advisors is the one of the best company per all loan processes like personal loans and home loans for merchant Navy employees I highly recommend it to all merchant nany employees to use their personalized services

ng srinivasan

2 months ago

Yourloanadvisor services I have been using for last 5 years helping me out in various loan procurement whether it’s personal , home or Auto loans. Mr. Eshwar had been helpful at all times and keeps us informed at each step of the loan process. He takes quotes from different banks and provides the best option that will works out.

Mayank Sharma

2 months ago

Your loan advisor is a very good company . Eswar Rao was very helpful and supportive for entire process

Paramjit Singh

2 months ago

The loan advisors are very efficient and professional. They are very positive and customer friendly!! Highly recommended!!!

Ravi Rawat

3 months ago

Dear your loan advisors team, It has been wonderfull and smooth experience with you. You have helped me getting loan without any hassle with minimum documentation and minimum processing time. Thanks for your support.👍👍

Brij Nath maurya

5 months ago

Great platform for loan , our loan rejected many bank but they provide loan and all team behavior very good 👍

Shibli K.P

5 months ago

Fast and professional loan service by Loan Advisor. Everything was handled efficiently. Highly recommended!

Neeraj Sharma

7 months ago

Very supportive and responsible 👍
I contacted for my Home Loan Transfer and it was done within the time frame and process was very smooth 👌

Venkata Satya Surya Ramanjaneyulu Vemprala

8 months ago

Mr. Eswararao and Priyanka who helped in getting the PL. They did a nice job. I like their promptness/speed and patience while processing the loan.

rajdeep singh

11 months ago

Wonderful experience with the Loan Advisors.
They fully understood my requirement and suggested me the right Banks to carry forward my application.
Helped me with the documentation process which made my life easy.
The best thing is that they themselves kept me updating with the process helping me inbetween with right suggestions.
With their support I could procure the desired loan with minimum ROI and minimum processing fee.
Overall a satiating experience

Jagdish Kumar

1 year ago

Your loan advisors company

Kshitij jain

1 year ago

Extremely professional, polite and helpful. Gives personal attention to every case and make sure they help provide the best deal from the best institution.

Commendable service!

Ranjan Jha

1 year ago

Great service by team

Dataram Pal

1 year ago

I took the loan from (HDFC BANK)
and my process was very easy and fast. The bank employees were very helpful and explained all the details clearly. I am very satisfied with the service and would advise others to take it too."

Hari Prasad N

1 year ago

Quick disbursal and seem less process