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StashFin Personal Loan Review – Interest Rates, Loan Amount, Eligibility, And More

StashFin

StashFin offers instant personal loans at interest rates of 11.99%, with loan amounts reaching up to 5 lakhs INR. The loan offers are available for up to 4 years of time. The best part is that you can get an instant personal loan as fast as 4 hours of time. Only minimal documentation is required to get a loan. However, these factors are applicable when you are eligible for the loan.

In this article, you will get to know about StashFin personal loans and the variety of necessary details about the loan provider. The details will include the rates of interest, eligibility, and other important information related to loan offerings by the company. Finally, we will give you some details of customer reviews which can be helpful for you to get a better idea of StashFin. Hence, to get a full idea of the loan offerings of this company, read on through to the end of the article.

StashFin – What Do They Offer?

StashFin – What Do They Offer

StashFin is a platform that offers personal loans to salaried and self-employed individuals. You can apply for loans both through the website and also the StashFin personal loan app. The types of loans offered by StashFin include Marriage loans, Cash loans, Small loans, Medical loans, Travel Loans, Home Renovation loans, Shopping loans, Personal loans, and Debt Consolidation loans.

Loan AspectsWhat StashFin Offers You?
Loan AmountUp to INR ₹ 10 lakh
Loan TenureIt can be up to 4 years, depending upon eligibility and the loan amount.
Rate of Interest On Loans11.99% – 59.99% p.a. (per year) depending on the type of loan borrowed.
Loan Processing FeesProcessing fees depend upon the loan amount. However, it can extend up to 10% (excluding GST) of the amount on each loan.- 0% – 10%, excluding GST (Borrowers should pay a processing fee on the withdrawn amount every time they load their StashFin Card using the StashFin App).
Collateral or MortgageDepends on the type of loan applied for.
Bounce Charges₹ 500 on every bounced cheque, NACH, or failed EMI payment.
Loan Review TimeIt can be as less as 4 hours.
Late Payment Of The LoanA loan default or a late payment will not allow a borrower to redeem rewards.
Loan RepaymentThe repayment period is up to 36 months. All loan payments are made through EMIs via electronic payments.

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How To Apply For A Loan From StashFin?

How To Apply For A Loan From StashFin

If you want to apply for StashFin loans, you will just need to download the official app or visit the website and hit the “Apply Now” button. Once you click the button, you will get to a page where you will need to enter your name, mobile number, pin code, and PAN. Later, you will need to fill up a form and provide all your proofs. Once your documents and your credit record are verified, you can get a loan as quickly as 4 hours.

StashFin – What Is The Loan Eligibility?

StashFin – What Is The Loan Eligibility

The following are the major eligibility requirements that a borrower needs to comply with to avail of loans from StashFin:

Loan RequirementsEligibility
Age of the borrowerMinimum 18 years
StashFin credit scoreA better credit score (that is, above 750 for CIBIL TransUnion) can help a loan applicant to avail of personal loans at lower rates of interest.
Type of EmploymentSalaried or self-employed.
Minimum monthly income₹ 15,000 per month
Work ExperienceDepends on the type of loan applied for.
Required DocumentsFor Salaried– ID proof – PAN Card- Address Proof – Aadhaar Card- Copy of a cheque for the salary bank account- Salary slips for the last 3 months- Bank statements for the last 6 months For Self-Employed– Income Tax returns- GST Returns- Proof of business ownership and continuity- Bank statements for the last 6 months- Audited financial statements for the last 2 years- Office address proof

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StashFin – Top Customer Reviews

The following are some of the top customers reviews that we have found from some of the famous review platforms on the internet. Hope these customer reviews can be helpful for you to get a better idea of the services and loan offerings of StashFin:

StashFin – Top Customer Reviews 1
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StashFin – Top Customer Reviews 2
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StashFin – Top Customer Reviews 3
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Summing Up

Hope this article was helpful for you to get an understanding of the offerings of StashFin. The company offers loans at reasonably good interest rates in return for their services and loan amounts. If you are a small-wage earner and in need of a loan, you can borrow loans easily from StashFin. We did not find many negative reviews on StashFin. However, it is also recommended to read the negative reviews by going to various review websites to find out what can go wrong. Always borrow loans when you are fully sure. Do you know of any better loan providers that offer loans at good interest rates? Share some of them with us in the comments section below.

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Soumava Goswami

Inspired by The Social Network, Soumava loves to find ways to make small businesses successful – he spends most of his time analyzing case studies of successful small businesses. With 5+ years of experience in flourishing with a small MarTech company, he knows countless tricks that work in favor of small businesses. His keen interest in finance is what fuels his passion for giving the best advice for small business operations. He loves to invest his time familiarizing himself with the latest business trends and brainstorming ways to apply them. From handling customer feedback to making the right business decisions, you’ll find all the answers with him!

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Decision Making & Budgeting Capital expenditures involve strategic decisions as they impact the company's long-term growth and productivity. Budgeting for CapEx requires careful planning and consideration of future benefits. You should know the core points of differences between Capex vs Opex. It will assist you in attaining your goals with complete ease.  Operating expenditures are part of routine budgeting and are necessary for maintaining day-to-day operations. They are generally more predictable and recurring. Without proper application of the strategies, things can turn worse for you.  Examples Of Capex Expenditure   There are several examples of Capex expenditure that you should know at your end. It will help you to get a better insight into it. 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