Rates & Terms

Cash Kredit facilitates personal loans from RBI-registered NBFC lending partners. Loan amount: ₹20,000 – ₹5,00,000. Repayment period: 61 to 365 days — we do not offer loans that require full repayment in less than 61 days. Rate of interest: 35% per annum (fixed). Processing fee: up to 2% of the loan amount plus 18% GST. No prepayment charges, no hidden fees. Including the processing fee and GST, the Annual Percentage Rate (APR) works out between 39.82% and 54.94% per annum depending on the repayment period (maximum APR 54.94%).

Representative example: ₹50,000 borrowed for 12 months at 35% p.a. with a ₹1,000 processing fee + ₹180 GST — amount disbursed ₹48,820, monthly payment ₹4,998, total interest ₹9,978, total amount payable ₹59,978.

Full details: Rates and Terms · Lending Partners · Grievance Redressal