Short-term credit, built for a short term

What we do

CashOFin arranges unsecured personal loans of ₹5,000 to ₹1,00,000, repaid over anything up to 180 days. The whole application happens on a phone: you answer a few questions, photograph your documents, and get a decision — most of them inside 30 minutes.

We have served 50,000+ borrowers. The common thread is not what they spent the money on; it is that they needed a smaller sum than a bank wants to lend, faster than a bank wants to move.

Who lends the money

CashOFin is a technology platform, not a lender. The loan itself is issued by Tek Hire Purchase & Leasing Private Limited (RBI registration B-14.03492), and your agreement is with them. We handle the application, the assessment and the servicing; they hold the credit.

That distinction matters when something goes wrong, which is why the grievance process names both parties and the order in which to approach them.

How we decide

Applications are assessed digitally against the same criteria for everyone: your income, your credit history and the tenure you pick. The answer does not depend on which branch you walked into or who you happen to know, because there is no branch and no queue to jump.

A rejection is not a black box either. If we cannot lend to you, we say what stood in the way, so you know whether it is worth applying again later.

What we will not do

• Sell your data, or pass it to marketers. It goes to your lender and the credit bureaus, because a loan cannot be issued otherwise, and nowhere else.
• Add a charge after you accept an offer. Everything that can be charged is on the rates page before you sign.
• Penalise you for clearing the loan early. Interest stops the day the payment clears.