Zapcash - Quick Loans

Zapcash – Instant Personal Loan up to ₹1,00,000

Enjoy quick personal loans at low interest rates through a hassle-free, 100% digital process.

Receive the approved loan amount directly in your bank account—fast, securely and completely online.

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. [RBI Registration No.: 14.01001], to provide personal loans to eligible customers.

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 loans up to ₹1,00,000

• Direct disbursal to your bank account

• 100% paperless and digital process

• Transparent charges with no hidden fees

• Apply instantly in 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: 6–60 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 and Part-Prepayment Available

• Maximum APR: 32.15%

• Late Payment Charges: As per the loan agreement

Interest rates and loan terms may vary depending on the applicant’s credit profile, eligibility and risk assessment.

Representative Loan Example

Loan sanctioned by Weekline Investment and Trading Company Ltd.: ₹1,50,000 for 3 years

• Processing Fee: ₹6,195

3.5% + GST + ₹500 Stamp Duty

• Interest Rate: 22% p.a.

Calculated on the reducing principal balance

• EMI: ₹5,730 per month

• Total Payable: ₹2,06,280

• Total Interest Paid: ₹56,280

• Annual Percentage Rate (APR): 25.14%

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

1. Download the Zapcash App

2. Sign up using your mobile number

3. Verify your PAN and basic details

4. Complete the 100% digital KYC process

5. Select your loan amount and tenure

6. Review and accept the loan agreement

7. Receive the funds directly in your bank account

Customer Support

Email: care@zapcash.in

Phone: 8503090309

Grievance Officer

Name: Prashant Kabra

Email: grievance@zapcash.in

Phone: 7665466546

Privacy Policy: https://www.zapcash.in/privacy-policy