Zapcash - Quick Loans

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: care@zapcash.in Phone: 8503090309

Grievance Officer

Name: Prashant Kabra Email: grievance@zapcash.in Phone: 7665466546

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