APP ONLY LOANS

Young professionals are constantly looking out to explore and keep up with their hobbies and passion along with their jobs. Traveling to that desired destination, buying that dream phone, shopping for the latest trends during the festivals, taking up those hobby classes for the weekends are some of the things which millennials are looking out for. Taking up a personal loan from the bank might not be convenient considering the busy lifestyle. Many young professionals are now choosing app only loans over traditional loans.

The advantage of these online platforms is that they are quick and the process is time-saving. The loan money is disbursed quickly and there is no lengthy paperwork involved in application process. The loan application doesn’t involve any traveling to the bank or visiting any branch and spending time in the long ques. The application can be sent from anywhere as long as there is internet connectivity and scanned digital copies of the documents are ready to attach.

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How to apply for app only loans:

1. Downloading App “ One needs to download the loan app on their smartphone from the Google Play Store or Apple App store.”
2. Register Online “ Fill in your name, address and other required details to complete the registration process.”
3. Enter Loan Amount & Tenure – Once the registration process is completed, the app will ask for the desired loan amount and the duration that you would like to take this loan. People take a quick loan ranging from Rs.9,000 up to Rs.3 lakhs.
The loan amount eligibility can be checked on the app itself. One can choose the duration of the loan as per their will. It can from 62 days to 1.5 year.

Eligibility:

1. Salaried Professional – Anyone who is a salaried employee and a resident of India can apply for such personal loans.
2. Employed with a Reputed Company – The Company you are working in should be a registered one.
3. Age – People of 23 years old to 58 years old can avail the personal loan on this app.

Documents Required:

The documents required for an app only loan are quite simple and basic.
A) One has to submit their identity proof, address proof and income proof to avail the loan. Aadhar card, Pan Card, Driving License or Passport can be submitted as identity proof.
B) For address proof, one can submit utility bills like electricity or phone or passport.
C) As income proof, latest 3 months salary along with the bank statements should be submitted.

Process:

Once you apply for the loan, the app will review your request and will notify you whether it is approved or not. The app takes a couple of minutes to review and once the loan is approved the money gets transferred to the individual’s personal saving account. The app only loans can get approved on the same day of application.

Interest rate on the loan:

Since the amount of such loans is small and the duration is short, the interest rate is quite competitive.

Repayment of the loan:

The app sends alerts when the due date is close so that the users can re-pay on time. The modes of repayment are bank transfer.
CASHe is one of the platforms which let you take app only loans. It provides short-term loan based on the algorithm called as “Social Loan Quotient“, which is completely different from the old-fashioned banks and credit agencies.

How CASHe Works?

01
DOWNLOAD APP

Available on iOS & ANDROID

02
REGISTER

Using your FB, LinkedIn or Google+ accounts

03
SHARE DOCUMENTS

Fill the application form & upload 4 basic documents

04
ENTER AMOUNT

Loans ranging from Rs. 9,000/- to Rs. 3 Lakhs basis your approved eligibilty

05
GET CASHe

Cash transferred into your bank a/c within minutes

06
REPAY

Easy repayment via bank transfer raise your Social Loan Quotient


Frequently Asked Questions —

An app only loan is a personal loan that you can avail by using just a mobile app. With CASHe, you can apply for an instant personal loan on the CASHe app and get the loan approved in minutes. As the process is 100% online, you can apply from anywhere, anytime. Also, you do not need to pledge any collateral. You can use the approved loan amount for shopping, home renovation, travel or an emergency.

You can apply for an app only loan with CASHe if:
1. You are an Indian citizen.
2. Aged between 21 and 55 years old.
3. Have an active bank account.
4. Have a valid ID proof like an Aadhaar card.
5. Earn a minimum of ₹40,000 per month.

The advantages you avail when applying for an app only loan with CASHe are:
1. Flexible loan amount between ₹45,000 and ₹3 lakh
2. 100% digital process
3. Quick loan approval in minutes
4. No collateral required
5. Competitive interest rates
6. Zero hidden costs
7. Flexible repayment tenure of up to 18 months

For an app only Loan with CASHe, here is the list of documents required:
1. PAN Card
2. Identity Proof (Aadhaar Card, Passport, Voter ID)
3. Address Proof (Utility Bill, Driving Licence, etc.)
4. 3-month Bank Statements (Showing salary credit)
5. A recent selfie

With app only loans, you can borrow amounts ranging between ₹45,000 and ₹3,00,000. However, this app only loan amount approved by CASHe depends on your income and credit profile.

For app only loans with CASHe, the interest rate starts at 2.79% (on a reducing balance) per month, and the maximum repayment tenure is 18 months.

To avail app only loan with CASHe easily, here’s what you need to do:
Step 1: Download the CASHe app.
Step 2: Sign up and fill in the required information.
Step 3: Once your profile is created, upload the KYC documents.
Step 4: Next, select your app only loan amount and repayment tenure.
Step 5: Submit the loan application and wait for approval.
Step 6: Post approval, get the money into your bank account in minutes.”

CASHe app only loan disbursals are quick. So, once your loan is approved, the money is sent into your bank account directly in just a few minutes.

Yes, you can do early repayment of your app only loans with CASHe. However, you may need to pay a negligible repayment fee.

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