StashFin Instant Loans

Eligibility criteria for StashFin Personal loans

If you want to apply for a loan from this company, you need to first check if you're eligible for it. The eligibility criteria are given below:

1. You have to be a citizen of India.
2. Your age must be a minimum of 18 years.
3. You must be employed and drawing a salary of at least Rs.15,000 per month.
4. Your salaried bank account must have net banking access.
5. You must have a good credit score.

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Documents required for StashFin personal loans

While applying for a loan from StashFin, you need to submit certain documents to verify your eligibility for the loan. These documents include the following:

1. Your ID proof - PAN card
2. Address proof - Aadhaar card
3. Photocopy of a cheque of your salaried bank account
4. Bank statements for the latest 6 months
5. Salary slips for the last 3 months

For self-employed individuals who qualify for these loans, the documents required are:

1. Income tax returns
2. GST returns
3. Bank statements for the latest 6 months
4. Audited company financial statements for the past 2 years
5. Proof of ownership of the business
6. Proof of business continuity
7. Proof of office address

How to get a personal loan from StashFin

StashFin offers various loans including:

1. Cash loans
2. Instant loans
3. Quick personal loans

If you want to apply for any of these loans, all you need to do is are the following:

1. Visit the company's official website https://www.stashfin.com/ and create your account. There is no need for you to physically go to their office.
2. Simply upload the required documents and fill in the relevant information.
3. The bank will process the loan based on your eligibility and approve your application.
4. The money will be transferred into your salaried account at the earliest.

The company also offers a Credit Line Card. You can load cash onto the card and use it as credit. You will be charged only for the amount you actually use and not on the entire amount you load onto your card.

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If you want to apply for the Credit Line Card, you need to do the following:

1. Go to your app store and download the StashFin app.
2. Give your details and upload the required documents.
3. You can get your card approved and delivered within 24 hours.
4. Load funds and start using the card.

Get a top-up on your loan

StashFin offers you the feature of adding additional funds into your loan account via their top-up facility. However, you can make use of this facility only if you are an existing customer.

Also, you need to pay at least half of your EMIs before you can apply for a top-up loan. Here's how you can do this:

1. Visit the company's website https://www.stashfin.com/ and go to the "Contact Us" section.
2. Fill the required details.
3. Choose the option to top-up your existing loan.
4. A representative of the company will call you to complete the process.

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FAQs on stashfin Loan

• How does the Credit Line Card in stashfin work?

  The Credit Line Card is a card into which you can load money and use as and when you please. You have to use the StashFin mobile app to add money into your card.

• How much interest will I have to pay if I load money onto my stashfin Credit Line Card?

  Your interest rate will be determined by the company based on your credit history. Also, you have to pay interest only on the amount of credit you use. Simply loading the money onto your card will not attract any interest.

• Is the Credit Line Card (CLC) the same as a regular credit card?

  You can use your CLC to pay for expenses just like you would by using a normal credit card. You can also withdraw cash from ATMs and earn reward points. But, it is different from a regular card in a number of ways such as:

  1. The credit also acts like a personal loan.
  2. You can make payments, manage your credit, and transfer funds using the app.
  3. You can also top-up your credit account.
• How long will it take for me to get my loan?

  Once you apply, StashFin can approve your loan application and transfer the money into your account in as less as 4 hours.

• Can I apply for a StashFin loan after office hours or on a holiday?

  StashFin offers its services entirely online. Due to this, you can apply at any time of your choosing. Non-working hours and holidays don't affect your application.

• How can I find out the status of my loan application?

  You can get the latest update of your loan application in the following ways:

  1. By logging into your StashFin account on the company's official website.
  2. By downloading and logging into the StashFin mobile application.
• Why was my loan application rejected?

  Your loan application may have been rejected because you did not meet the eligibility criteria or your credit history was not good enough.

• Can I apply for a loan again if my application gets rejected?

  Yes, StashFin allows you to re-apply for a loan if your application gets rejected. But, you can re-apply only after 3 months from the date of the previous application rejection and if your credit score has improved significantly.

• After I apply for a loan, can I cancel the application?

  Yes, you can. For this, you have to get in touch with the company.

• How can I repay StashFin loan?

  You can repay your loan in EMIs using the following methods:

  1. Through post-dated cheques
  2. By registering for the National Automated Clearing House (NACH) mandate
  3. Through the official website using your StashFin account (Extra charges of Rs.20 + taxes will apply)
  4. Through the StashFin mobile app (Extra charges of Rs.20 + taxes will apply)
• After I get the loan amount, can I change the date on which my EMIs have to be paid?

  Yes, you can request for the date of your EMI to be changed. You have to communicate this to the company at least 7 days before the EMI is due. StashFin will charge Rs.1,500 plus interest charges for changing your EMI date.

• Can I foreclose or prepay my StashFin loan?

  Yes, you can foreclose your loan. However, you can foreclose it only after paying at least 3 EMIs.

• How can I foreclose my StashFin loan?

  After you pay a minimum of 3 EMIs, you can make a foreclosure request and the bank will get an executive to help you out. You can make the request in the following ways:

  1. By visiting their website and clicking on the "Contact Us" option.
  2. Through the "Help" section in their mobile app.