Zapcash - Quick Loans
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|---|---|---|---|
| India | 100%12 | 1.67 |
Description
Zapcash – Instant Personal Loan up to ₹1,00,000
Enjoy quick personal loans at low interest rates with a hassle-free, 100% digital process.
Get the approved loan amount directly in your bank account—fast, secure, and completely online.
Zapcash is operated by Omnistack Innovation Private Limited, and all services offered under the Zapcash brand are provided by Omnistack Innovation Private Limited.
Whether you need funds for medical emergencies, travel, education, or personal expenses, Zapcash makes borrowing simple and transparent.
Regulatory & Lending Information
Zapcash is a digital loan facilitation platform that partners with an RBI-registered Non-Banking Financial Company (NBFC), Weekline Investment and Trading Company Ltd., to provide personal loans to eligible customers.
RBI Registration No.: 14.01001
Loans are provided in accordance with the guidelines issued by the Reserve Bank of India under the Digital Lending Guidelines.
Safe & Responsible Lending
Why Choose Zapcash?
Instant personal loan up to ₹1,00,000
Direct bank account disbursal
100% paperless and digital process
Transparent charges—no hidden fees
Apply instantly with a few simple steps
Secure and encrypted platform
Instant decision with minimal documentation
Eligibility
Age: Minimum 18 years
Employment Type: Salaried or Self-Employed
Minimum Monthly Income: ₹18,000 or above
Mobile Number: Aadhaar-linked mobile number for verification
Citizenship: Indian resident with valid KYC documents
Loan Details
Loan Amount: ₹5,000–₹1,00,000
Sanctioned by Weekline Investment and Trading Company Ltd., an RBI-registered NBFC
Interest Rates: 12%–30% per annum
Loan Tenure: 10 days to 6 months
Processing Fee: Up to 5.1% of the principal amount + GST
Quick & Direct Transfer: Funds are disbursed by our NBFC partner directly to your bank account
No Collateral Required: Get a loan without pledging any security
Foreclosure & Part-Prepayment Available
Maximum APR: 32.15%
Late Payment Charges: As per the loan agreement
Interest rates and loan terms may vary based on the applicant’s credit profile, eligibility, and risk assessment.
Representative Loan Example
Loan sanctioned by Weekline Investment and Trading Company Ltd.: ₹1,00,000 for 3 years
Processing Fee: ₹4,630
3.5% processing fee + GST + ₹500 stamp duty
Interest Rate: 22% p.a.
Calculated on the reducing principal balance
Approximate EMI: ₹3,819 per month
Total Payable: Approximately ₹1,37,484
Total Interest Payable: Approximately ₹37,484
Annual Percentage Rate (APR): Approximately 25.54%
This is an illustrative example. The actual loan amount, EMI, interest rate, APR, fees, and repayment terms may vary based on the applicant’s eligibility, credit profile, and the terms disclosed in the Key Fact Statement and loan agreement.
Fees & Charges
Fees and charges are applied by the NBFC partner.
EMI Bounce Charge—1st Day: 4% of Principal Overdue* or ₹500, whichever is lower
Penal Charges—2 to 180 Days: 36% p.a. on Principal Overdue, plus GST if applicable
*Rounded to the nearest rupee.
How to Apply on the Zapcash App
Download the Zapcash App
Sign up with your mobile number
Verify your PAN and basic details
Complete 100% digital KYC
Select the loan amount and tenure
Review and accept the loan agreement
Receive funds directly in your bank account
Customer Support
Email: [email protected]
Phone: 8503090309
Grievance Officer
Name: Prashant Kabra
Email: [email protected]
Phone: 7665466546
Privacy Policy: https://www.zapcash.in/privacy-policy