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Cashe Buy Now Pay Later

Cashe Buy Now Pay Later

4.3

Max Tenure

NA

Best Rate

2.25 p.m%

Processing Fee

1.5%

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About Cashe Buy Now Pay Later

Cashe Buy Now Pay Later is a ground-breaking loan platform that assesses your eligibility based on your SLQ – Social Loan Quotient. Isn't it fascinating? This credit line attempts to estimate your credit risk based on data from your mobile and social media footprints, education, monthly earnings, and professional experience. Continue reading to learn more about Cashe's newest lending option.

Cashe Buy Now Pay Later Snapshot

Loan Type

Balance update on the e-commerce platform’s wallet

Compatible merchants

Amazon, Flipkart, Big Bazaar, Myntra, Urban Company, Uber, Apollo Pharmacy, Big Basket

Loan Amount

Up to Rs.60,000

Interest Rate

2.25% - 2.50% for the month

Processing Fees

Starts at Rs.85 and goes up to 3% of the loan amount

Repayment Tenure

90 days up to 1.5 years

Pre-closure charges

NIL

Monthly budgeting often restrains us from going for something that we wish or want. E-commerce giants are constantly coming up with great offers and discounts on our favorite gadgets or some much needed merchandise but not having a credit card or suffering from insufficient funds can dampen our shopping spirit.

Cashe has come up with the novel idea of ‘Social Loan Quotient’ to enable individuals, especially the social media pro millennials, with the much needed credit line to make these purchases.

Cashe Buy Now Pay Later credit scheme approves credit limits based on your social behavior, income, previous repayment history, and your job experience. This allows individuals with low income and low credit score also to avail a credit limit, similar to credit card, that can be used to shop on most leading e-commerce platforms.

Learn more about ‘Buy Now Pay Later’ schemes here!

Let Us See How Cashe Works

Cashe has partnered with these leading e-commerce giants – 

  • Amazon
  • Flipkart
  • Big Bazaar 
  • Myntra 
  • Urban Company 
  • Uber 
  • Apollo Pharmacy 
  • Big Basket

You are required to download the Cashe app on your mobile and register with the required information. Your credibility is assessed based on this information and a credit limit is approved to you. You can transfer this credit limit as balance on the e-wallets of the above platforms. This e-wallet balance can then be used on all the shopping channels allowed by these e-commerce platforms. For example, when you upgrade the balance of your Amazon Pay wallet with the Cashe credit limit, it can then be used to pay for shopping on Amazon, and also to pay utility bills and mobile recharges using Amazon Pay, or for store purchases that accept Amazon Pay.

Now that we have understood the crux of this finance scheme, let us see how to use it on the individual platforms.

The above mentioned e-commerce platforms all have an e-wallet integrated with their shopping sites. You can use your Cashe credit limit to add balance to these e-wallets

  • Download the Cashe app on your mobile smartphone
  • Register and complete the KYC by uploading the required documents
  • Your credit limit is approved
  • Click on the ‘Shop’ icon and choose the e-wallet of your preferred platform
  • Enter the amount you want to use out of your credit limit
  • This amount is transferred as your wallet balance
  • Use this amount to shop on these platforms or on other channels that accept the e-wallets as a payment option

Some ways you can use the e- wallet balance you upgraded using Cashe

  • Shop for lakhs of products on these platforms 
  • Shop on other online platforms that accept these e-wallets as a payment option
  • Recharge your mobile, pay utility bills, pay for your DTH recharge and more using Amazon Pay
  • Use at store locations that accept them as payment option

Read More: Credit Cards Vs Buy Now Pay Later: Which Is The Better Option?

Cashe Loan Product Details on Amazon

Loan Credited To

Amazon Pay

Loan Amount

Min. Rs.1000 and Max. Rs.60,000

Loan Duration

90 days or 180 days

Interest Rate

Starts from 0.50% per month for 90 days loan

Starts from 0.75% per month for 180 days loan

Cashe Big Bazaar Buy Now Pay Later Loan

Loan Credited To

Big Bazaar Voucher

Loan Amount

Minimum: Rs.1000 for 90 days loan & Rs.6000 for 180 days loan

Maximum: Rs.60000

Validity of the voucher

1 year from the date of issue

Repayment tenure for 90 days loan

3 EMIs in 30 days interval with a 7-day interest free period for every EMI

Repayment tenure for 180 days loan

6 EMIs in 30 days interval with a 7-day interest free period for every EMI

Usage Channels

Can be used at all online outlets of Big Bazaar, Food Bazaar, Fashion@Big Bazaar(fbb) & Hyper City

Cashe Buy Now Pay Later For Myntra

Loan Credited To

Myntra Voucher

Loan Amount

Minimum: Rs.1000 for 90 days loan & Rs.6000 for 180 days loan

Maximum: Rs.60000

Validity of the voucher

1 year from the date of issue

Repayment tenure for 90 days loan

3 EMIs in 30 days interval with a 7-day interest free period for every EMI

Repayment tenure for 180 days loan

6 EMIs in 30 days interval with a 7-day interest free period for every EMI

Usage Channels

On the Myntra app only (both mobile app and desktop site)

Cashe Buy Now Pay Later For Urban Company

Loan Credited To

Urban Company Voucher

Loan Amount

Minimum: Rs.1000 for 90 days loan & Rs.6000 for 180 days loan

Maximum: Rs.10000

Validity of the voucher

1 year from the date of issue

Repayment tenure for 90 days loan

3 EMIs in 30 days interval with a 7-day interest free period for every EMI

Repayment tenure for 180 days loan

6 EMIs in 30 days interval with a 7-day interest free period for every EMI

Usage Channels

On the Urban Company app only (both mobile app and desktop site)

Services Available

All kinds of services - home cleaning, appliances & electronic repairs, beautician services, and more

Cashe Buy Now Pay Later for Apollo Pharmacy

Loan Credited To

Apollo Pharmacy Gift Card

Loan Amount

Minimum: Rs.1000 for 90 days loan & Rs.6000 for 180 days loan

Maximum: Rs.10000

Validity of the voucher

6 months from the date of issue

Repayment tenure for 90 days loan

3 EMIs in 30 days interval with a 7-day interest free period for every EMI

Repayment tenure for 180 days loan

6 EMIs in 30 days interval with a 7-day interest free period for every EMI

Usage Channels

Only at offline Apollo Pharmacies

Services Available

Medical Supplies, vitamins & Supplements, baby care, personal care, health foods, and more

This process is pretty much the same on other platforms like Flipkart, Uber and Big Basket too.

Eligibility Criteria To Avail Cashe Buy Now Pay Later

Cashe Buy Now Pay Later loans are available for the below individuals: 

  • Any Indian citizen residing in India
  • Must be at least 18 years old
  • Possess valid proof of current employment
  • Minimum monthly salary of Rs.12,000 and above
  • An active bank account
  • Should have a Facebook / Google+ / LinkedIn account
  • Have a valid identity and address proof

Cashe Buy Now Pay Later FAQs

1. Can I apply for a Cashe loan without a smartphone?

No, the Cashe app has to be downloaded to use the loan facility, apply for a loan and disbursal. So you cannot apply for a loan without a smartphone.

2. Why is it necessary to log in with my Facebook / Google+ / LinkedIn accounts?

CASHe aspires to transform the borrowing process by using your internet presence on social networking sites as a trustworthy standard to measure your creditworthiness. Your social networking activities provide important information about who you are and whether you are compatible with the loan product.

3. Can I change the loan tenure after the loan is taken?

Sorry, you cannot change the tenure on existing loans but you can change it on your future loans.

4. What are the documents required to apply for a Cashe Buy Now Pay Later loan?

ID Proof, PAN Card, Aadhaar number, Latest salary slip, Permanent address proof

5. Do I need to submit any collateral or security to get a Cashe Buy Now Pay Later loan?

No, Cashe Buy Now Pay Later loans are unsecured loans that don’t need any guarantor or collateral.

Cashe Buy Now Pay Later - Customer Reviews

4 / 5 (1053 Reviews)
26 Nov 2021

I got a immediate response and I am satisfied.

12 Oct 2021

Good service

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CreditMantri Finserv Private Limited

CIN No

U72100TN2012PTC085154

IRDAI Registration Number

CA0665

Valid Till

01-Aug-2025

ADDRESS

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