FREQUENTLY ASKED QUESTIONS
StashFin is a venture-backed digital lending platform that provides quick and easy personal loans. StashFin was started by a team of former financial services professionals dedicated to disrupting traditional lending in India.
StashFin ensures an efficient end to end service delivery process, including application, documentation and quick approval in as little as 4 hours from the time of application.
Any Indian citizen residing in India, above the age of 18, with a proof of current employment, earning a monthly salary of ₹15,000 and above, a bank account and a valid identity and address proof can apply.
You can get loans upto ₹5 Lakhs with a maximum tenure of 36 months.
Our convenient web and mobile platforms allow you to apply for loan at any time and on any day.
Our business hours are 10AM to 7PM IST, Monday to Saturday with the exception of bank holidays.
We do not require a Guarantor for you to apply for a loan with StashFin but we may request one at our discretion in order to process your application if we feel that your personal profile does not currently meet our lending criteria.
StashFin loans start from 11.99% annually on reducing balance and a low processing fee. We do not charge service fees, prepayment fees, or any other hidden fees. Interest rates may vary from a case to case basis and the rates offered will depend on our assessment of your credit profile.
Most banks/credit card companies/NBFCs charge a variety of fees which may include prepayment fees and other hidden charges. You may end up paying a much higher amount than you do when you have a loan with us.
A higher credit score indicates that you have a good track record with respect to loans that you have borrowed in the past. Therefore, if your credit score is high (more than 750 in case of CIBIL TransUnion), your chances of being granted a loan are much higher than if you have a lower score. Additionally, you may be able to negotiate benefits such as a lower interest rate, higher loan amount, etc. by leveraging your high credit score.
You may talk to our customer care executives on live chat through our website. You can also drop a message through Contact Us on the website or “Help” on the app, and we’ll be happy to get in touch with you.
Please reach out to us on the Contact Us page.
StashFin is an ideal platform that enables you to take control of your financial needs, be it emergencies, home repairs, online shopping, festival shopping or lifestyle expenses, you can do it all with StashFin. StashFin utilises proprietary machine learning capabilities to deliver a seamless lending experience to customers.
Here are the top reasons for applying for a loan with us:
Here’s an overview of the application process
If you are certain that you did not receive an OTP on your registered mobile number, please request the OTP again by clicking the button that says “Resend OTP” on the online application. To protect the security of your account our executives don’t get access your OTP and therefore cannot send you the OTP on email.
You will receive a call from one of our friendly and helpful sales executives, who will assist you with the application and documentation process. They will verify some basic information and assist you with KYC in physical or digital form as per your convenience.
Following is the list of documents that are required to process your loan. We require that you submit legible copies of these documents in jpg or pdf format:
Once your loan has been approved, you will need to submit self-attested copies of all the above documents. We will verify through KYC in physical or digital form as per your convenience and our field agent will also click your photograph on the spot.
It is completely safe to provide your bank statement using your net banking credentials. Any login credentials you supply are encrypted and are never stored on our servers. We cannot see your net banking credentials and only receive the bank statements at the end of the transaction.
Accurate information on the application and correct documentation are key to speeding things up. The sooner you submit your application with correct documentation, the faster your application is processed. In most cases, we are able to process a loan application within 4 hours! It is that easy.
Your documents are getting verified by our team. Our team will get in touch with you soon. We appreciate your patience in the meantime.
You can easily check the status of your application by logging into your account on https://www.stashfin.com or the StashFin App.
Once your application is approved, you will receive an email and a notification on your mobile phone. You may also receive a notification if we require any further details to approve your application. You will also be able to check the status of your loan at www.stashfin.com or on the StashFin App after logging in with your credentials.
Once your loan is disbursed, the money will reach your bank account within 48-72 business hours. At the time of loan disbursal, the UTR (Unique Transaction Reference) number is shared with you, which you can track conveniently with your bank.
Your application can be rejected for a variety of reasons, these may include omission of certain required documents, furnishing false information, lack of a job (or other means to repay) or not meeting our internal credit worthiness criteria. This is by no means a reflection on your credibility, it simply means that our criteria and your profile are not a current match. Any material change in your credit profile would help us re-evaluate your application and lend to you in the future. We value your precious time in fulfilling the application process and encourage you to reapply after three months.
We encourage you to re-apply if you feel that your application should be reviewed or if you believe that there is a significant improvement in your creditworthiness once 3 months have passed since your last application was rejected. However, approval remains at the sole discretion of StashFin.
You can reach out to us through our Contact Uspage on the website or "Help" on the app.
Any details entered in the application form cannot be cancelled by you. In case of any errors,You can reach out to us through our Contact Us page on the website or "Help" on the app..
Rest assured, all your documents are safe with us. Additionally, we do not send documents, for any case, back to the customer. For further details, please refer to our document policy in our terms and conditions.
The loan can be repaid in the form of Equated Monthly Instalment (EMI) via post-dated cheques or via NACH (National Automated Clearing House) mandates drawn in favour of the lender. You can even pay online by visiting www.stashfin.com or on StashFin app.
Please login to your StashFin account where you will find a customized dashboard that contains your loan application status and/or all details related to your loan.
You can easily view your EMI amount, tenure, interest rate and other details on the StashFin app by choosing "Outgoing EMI" from the Home Screen.
StashFin may send you messages in order to remind you of upcoming payments. However, it is your responsibility to pay your EMIs on time. Therefore, we request you to kindly maintain sufficient funds in your bank account to service your EMI liability in full.
If your NACH is registered and set up with StashFin, you do not need to pay the EMI yourself. The EMI amount will get auto-debited on the due date. In case your EMI is due on a weekend or any other bank holiday, you need not worry, it will get auto-debited once the bank re-opens. All you need to do is maintain sufficient balance.
You can make your EMI payment by logging into your account on the website and clicking on the "Make Payment" option on the left hand panel. You can also use the app to effortlessly make your EMI payment on time. If you are paying it yourself, please do so at least 2 working days before your EMI due date.
Please note:- that you will be charged a nominal fee of Rs. 20 plus GST when you make the payment on the website or the app.
It means that on your EMI due date, the EMI amount will get auto-debited from your account. You can sit back and relax, without worrying about paying penalties due to accidentally missing your EMI due date.
If your NACH is registered and set up with StashFin, you will be notified by us through an SMS. In that case you need not pay yourself. If your NACH has not yet been registered, please make the payment yourself by visiting https://www.stashfin.com or through the app atleast 2 working days before the EMI due date.
If your EMI got double deducted, you need not worry as we will surely adjust the excess amount in the next EMI.
If your EMI got double debited and your loan is closed, you need not worry. We will surely refund the excess amount within 30 days.
If you are an existing StashFin customer, you can top-up your loan after paying 50% of your EMIs. Visit https://www.stashfin.com/contact-us, fill in your details and choose “Top-up existing loan”. One of our friendly executives will contact you soon.
Though we are delighted that you liked the offer that you got last month, it may no longer be available. We will inform you once we start another exciting offer that you are eligible for.
You need to pay at least 3 EMIs before you can foreclose your loans. The loan foreclosure option is available for all active loans collectively. You can put in a request for loan foreclosure through our website by clicking on Contact Us. Alternatively, you can also get in touch with us through the app by clicking on “Help” in the app menu. One of our friendly and helpful executives will get in touch with you and guide you through the process.
You can request for an NOC on live chat through our website or app. You can even drop a message by clicking on the Contact Us. Alternately, you can also get in touch with us through the app by clicking on “Help” in the app menu.
You can drop a message by clicking on the Contact Us. You can also get in touch with us through the app by clicking on “Help” in the app menu. Alternately, you can even chat with our customer care executives through our website or app. We will be happy to evaluate your circumstances in order to make a decision on loan extension.
The schedule of charges are as follows:
Processing Fee | StashFin charges a Processing Fee between 0-10% (excluding GST) on each loan *Every time you load your StashFin Card using the StashFin App, you are charged a processing fee on the amount withdrawn |
Bounce Charges | INR 500/- on every NACH/cheque bounce/failed EMI payment |
*If you fail to pay the EMI, StashFin charges a penal interest on the overdue amount | |
*If there are any pending dues post clearance of your monthly EMIs, your NACH mandate can be represented again to your Bank. |
The StashFin Credit Line Card is a card on which users can avail a real-time personal loan(s) with loan amounts and tenures of their choosing. The user may use the card to withdraw cash from any ATM, swipe at any POS terminal or make purchases at any online merchant.
The eligibility criteria for the StashFin Visa Credit Line Card is the same as that of personal loans disbursed by StashFin. Refer here for the same. After submitting all required details, documents and any other relevant information that we may require, an approved credit line is instantly activated on your StashFin Visa Credit Line Card.
The schedule of charges is as follows:
Particulars | Amount |
---|---|
Annual fee/maintenance charge | NIL |
Card issuance fee | NIL |
Card replacement fee | Rs. 250.00 |
Card reload fee | NIL |
PIN regeneration fee on App | NIL |
Charge per balance enquiry at ATM | Rs. 8.00 |
Balance enquiry on App | NIL |
Transaction history on App | NIL |
Block/unblock card on App | NIL |
Charge per withdrawal (After free withdrawal limit gets over) | Rs. 20.00 |
*The schedule of charges is subject to change and is at the discretion of the company.
You can seamlessly register your Card by clicking on "Register my Card" on the app menu. After entering the Card number., you will receive an OTP. Enter that and your Card will get registered. It's as simple as that. If you haven’t received an OTP on your registered mobile number, please request the OTP again by clicking the button that says “RESEND OTP”.
After loading money onto the Card, you can use it to withdraw funds from an ATM, shop offline (at offline Point of Sales terminals) or make transactions online.
Once you register the card, your Line of Credit will be activated. You can load funds up to the credit limit on the Card, as and when you please! As you keep paying your EMIs, the principal amount gets added back to your Line of Credit, thereby empowering you to be able to load and use more money.
Please drop a message by clicking on Contact Us. You can also reach us be clicking on “Help” on the app menu. One of our friendly executives will get in touch with you. Although you cannot change your registered number if your EMI is overdue.
You can view your available balance and transaction history anytime on the StashFin Mobile App or website once you login using your email ID/ mobile number and password. You can also login using an OTP that we send to your registered phone number. You can download the App from Google Play Store or Apple Store.
Please block the Card immediately by calling on 011-47848400, mail [email protected] if you seek further assistance.
To use a simple analogy, think of your approved credit line as a big water tank from which you can draw-down funds just like you draw water from a tap as and when you need. Think of the StashFin App and web based platform as a tap from which you can draw-down only the funds you immediately need, thereby saving on interest costs you would otherwise have to pay on the entire credit line. Obviously, funds once drawn-down would be reduced from your overall approved credit line.
No. Only the funds you draw-down at one time are converted to an EMI, the amount and tenure are of your choosing. You may draw as little as ₹500 at one time and convert it to an EMI with a tenure ranging from 3 months to 36 months. These drawn-down funds constitute the balance on your card that you may use to make transactions.
For example, let us say you have an approved credit limit of ₹50,000 on your card and you make a draw-down request for ₹5000 on the App. Now, ₹5,000 will be instantly loaded on your card which you utilise in the following way:
Now, you need to make an electricity bill payment for ₹1,500, but since you’ve already used ₹4,000 (₹2000 + ₹500 + ₹1500) out of the ₹5,000 drawn-down and have only ₹1,000 left, you will need to make an additional draw-down request subject to a minimum amount of ₹500 and a maximum amount of ₹45,000 (the remaining limit on your credit line) in order to make the electricity bill payment using your card.
The entire amount that you load onto the Card gets converted into EMIs. In this case Rs. 20,000 that you loaded onto the card will get converted into EMIs.
If you are getting an “Error 049” message, it means that your loan obligations have increased or your credit profile has undergone a material change since the time your credit limit was approved. You can try to load more money on the card after 3 months.
As a part of our Corporate Partnership Program, if your company is empaneled with us, we may offer 10,000 PAYBACK Points to new customers. To become eligible for the offer, you will have to draw down/load atleast Rs. 30,000 on your StashFin Card within 3 months of Card registration.
The points will become available within 45 days of the 3rd EMI provided all the EMIs have been paid on or before the EMI due date. The account should be in good standing with us. It should not be overdue and there should be no delayed payments.
The amount that is loaded on the card gets converted into EMIs. We cannot access the funds on your card,hence, once you draw down money on your Card, you start paying interest on it.
StashFin Elev8 is a mobile application based online platform which makes it easier for anyone to borrow cash in a fast and convenient manner. StashFin Elev8 offers a series of small ticket size loans. As the customer pays the loans on time, the customer can improve his/her Credit/Bureau profile and can become eligible for larger loans from StashFin. StashFin Elev8 customers will also be offered a premium StashFin Credit Line Card once they climb up the Elev8 ladder.
Getting cash from StashFin Elev8 is a very simple process. Here is all you need to do:
Your eligibility and loan limit are decided on the basis of “StashFin Elev8 Score”. StashFin Elev8 Score is an internal measure of a borrower’s credibility and his/her likelihood of paying back the loan on time. The score takes into account various information about the borrower such as financial profile, social networks and behaviour data.
The score is dynamic and keeps evolving as we obtain greater data on the user. Therefore, good behaviour and timely loan repayments will help a user increase his score and get better loan terms over time.
The loan limits are generated automatically based on your StashFin Elev8 Score. With regular use of Elev8 and by making timely repayments of your loans, you can increase your StashFin Elev8 Score which will help to unlock larger loans with lower rates and fees over time.
The loan limits are generated automatically based on your StashFin Elev8 Score, which might not be sufficient for a higher limit at this point. However if you pay your existing loan on time, you could become eligible for a higher amount after the Due Date of your existing loan.
The documents required for registration are:
Once your loan is disbursed, the money will reach your Bank Account within 1 working day.
For a first time borrower, we want to make sure that we transfer the money to the right account. This also helps to confirm that the customer will not face any unnecessary issues while repaying loans. Therefore, we ask the customer to transfer Re. 1 using a Debit Card. This amount is instantly refunded back to the customer.
The fees charged from the borrowers is the sum total of processing fees and interest charges. We charge a flat processing fee of Rs. 25 to Elev8 customers for loan amounts over Rs. 2000. The interest rate varies according to the loan amount. As a customer repays his loans on time, he may be offered repeat loans at lower interest rates. The borrowers are notified of the exact charges at the time of loan application.
You can repay your loan on the StashFin App by following these simple steps:
Alternatively, you can pay on the StashFin website by visiting https://www.stashfin.com/login and logging into your account. Click on “Pay Now” button on left hand panel. You can make the payment before the Due Date without any prepayment penalties.
You could make a prepayment without any penalties. An early loan payment would not reduce the fees as notified at the time of application. However, early payment is regarded as good behaviour, and could help improve your StashFin Elev8 Score and get you higher limits and better loan terms over time.
Any delays in the payments will incur penalties and could also deteriorate your StashFin Elev8 Score. The penalty starts as low as Rs. 15 per day and increases upto Rs. 25 per day, depending on your loan amount and time period since the amount is overdue.
In the unfortunate event that you default, StashFin could report the defaulter's data to credit bureaus. This could make it difficult to get loans from banks/NBFCs at good terms in the future.
The users who have at least 1 loan disbursed from StashFin are eligible to share their referral code to invite their friends/family.
Once your friend successfully registers as a new user with StashFin, he will be counted as your referral. If your friend already has an account with Stashfin he will be not counted as your referral
There is no upper limit in this Referral Program, i.e. the more you refer the more you have a chance to earn in this Referral Program. You will get a chance to earn Referral Rewards once your friend successfully registers with StashFin and takes his first loan.
The Referral Rewards earned through this Referral Program can only be adjusted against your EMI amount. You can redeem your Referral Rewards at the time of payment of your StashFin Loan EMI.
There is no expiry date to redeem your Referral Rewards earned. You can always adjust your Referral Rewards against the EMI of your next StashFin loan.
Once your friend successfully gets his/her first loan disbursed, he/she will get a chance to earn up to Rs. 250.
Referral Rewards can only be redeemed if you make the payment on or before your EMI date. If your friend is unable to repay the loan in a timely manner, then you will no longer be eligible to redeem your Referral Rewards.
If you have been disbursed a loan during March 1, 2020 to August 31, 2020, the loan does not qualify for the moratorium. Please pay your loan/credit line disbursal to avoid penal interest and negative effect on your bureau.
The StashFin Virtual Card is an add-on card issued on your primary StashFin card. It does not have any plastic existence. All relevant details, i.e., the Card Number, the Expiry Date and the CVV number are visible online on the StashFin App. The virtual credit card enables you to transact online using funds from your approved credit limit.
The only difference between the StashFin physical card and virtual card is that the Virtual Card can only be used online as it does not have any plastic existence. Everything else remains the same for both the cards.
Once your Line of Credit is approved and all pending steps and documentation are complete, you will be able to activate your Virtual Card using the StashFin App.
The Virtual Card has no physical existence. It can be used through the StashFin App only. No physical card will be delivered to you unless you are offered a physical card on the StashFin App.
The entire loan amount received on the Virtual Card has to be paid back irrespective of the amount that you have spent using the Card. You can choose to pay the amount either in a single payment or in multiple installments.
The funds are available for use on the Virtual Card till the card's expiry date. The expiry date of the Virtual Card is visible on the StashFin App.
The key details of the StashFin Virtual Card like the Card Number, Expiry Date, etc. are visible online on the StashFin App. You can use these details to transact online and never be worried about losing your card or having to carry it 'safely' in your wallet.
As soon as your Line of Credit is approved by StashFin, you will be able to access your Virtual Card using the StashFin App. To activate your Virtual Card you will need to enter your 16 digit Virtual Card number on the App and submit the OTP which you will receive on your registered mobile number. You can then use your Virtual Card details to transact online. You don't have to wait for the physical StashFin card to reach you to be able to start accessing your funds.
Virtual Card can only be used for online transactions. It can be used on e-commerce platforms such as Amazon and Flipkart. It can be used to order food online on Zomato, Swiggy and other such online food platforms. It can also be used to book movie tickets on BookMyShow. Amongst the Mobile Wallets, it can only be used on Mobikwik. The Virtual Card cannot be used to add money on Paytm and cannot be used at ATMs or any POS Machine.
There is no separate limit which is approved for the StashFin Virtual Card. There is only one limit which is approved by StashFin and you can access your funds using the virtual card and/or the physical card.
Your virtual card transactions will get converted into EMIs. You can view your EMI details on the StashFin App.
You have the option to lock and block your Virtual card. You can lock and unlock your Virtual card on the App. By locking the card, you will not be able to use the Virtual Card credentials for any online transactions, until you unlock the card. You also have the option to permanently block your Virtual Card via the StashFin Helpline number (011-47848400), but please note that it may take upto 3 working days to unblock your card.
No. Currently the virtual card is free of cost.
StashFin Health+ is a health insurance policy of sum insured ₹5,00,00 offered by StashFin in association with Care Health Insurance exclusively for StashFin customers.
You will receive your Insurance Policy Certificate on your registered email ID within 24 hours from the time of payment for StashFin Health+. You may also access your policy details document by going to: https://www.careinsurance.com/cpproject/cplogin/register
At the time of an emergency please contact Care Health Insurance to make a claim. You can reach Care Health at:
Care Health Insurance Contact Information | |
---|---|
Customer Care | 1800-102-4488 |
[email protected] | |
Website | https://www.careinsurance.com/rhicl/claim/login |
To initiate the claim please contact care health insurance. You can reach care health insurance at 1800-102-4488.Write to [email protected] or visit www.careinsurance.com
If you are facing any issues in initiating the claim please contact care health insurance. You can reach care health insurance at 1800-102-4488.Write to [email protected] or visit www.careinsurance.com
The insurance cover details for StashFin Health+ is mentioned in the Insurance Policy Certificate that is sent to you on your registered email address. You may also access your policy details document by going to: https://www.careinsurance.com/cpproject/cplogin/register
The insurance cover details for StashFin Health+ is mentioned in the Insurance Policy Certificate that is sent to you on your registered email address. You may also access your policy details document by going to: https://www.careinsurance.com/cpproject/cplogin/register
The policy is non-refundable.
Customers can see which hospital is in Care’s cashless network at: https://www.careinsurance.com/health-plan-network-hospitals.html
If you have any health insurance related grievances please contact care health insurance. You can reach care health insurance at 1800-102-4488.Write to [email protected] or visit www.careinsurance.com
StashFin Health+ plan is exclusively available for StashFin customers.
Deductible is the amount you pay out of your own pocket for expenses covered in the plan before the insurance company begins to pay. You can convert the deductible into easy EMIs using the StashFin Credit Line Card.
At the time of a claim, customers can finance their deductible amount upto the approved credit limit. If the available credit limit is less than the deductible amount, the customer covers the additional expense.
StashFin Credit Shield is an optional add-on upgrade offered to you with attachment product with each loan you avail from StashFin. By upgrading to a StashFin Credit Shield loan, you can enjoy multiple benefits including (but not limited to) a Personal Accidental Insurance cover, 10 additional free ATM cash withdrawals per month with the your StashFin Credit Line Card, priority customer service, and other benefits directly redeemable in the StashFin Rewards Club.
You will receive your Insurance Policy Certificate on your registered email ID within 24 hours from the time of disbursement of the loan. You may also access your policy details document by going to: https://www.careinsurance.com/cpproject/cplogin/register
Claims can be initiated through Care Health Insurance’s website, email, or call center. You can reach Care Health at:
Care Health Insurance Contact Information | |
---|---|
Customer Care | 1800-102-4488 |
[email protected] | |
Website | https://www.careinsurance.com/rhicl/claim/login |
If you have any claim related queries, please contact Care Health Insurance. You can reach Care Health at:
Care Health Insurance Contact Information | |
---|---|
Customer Care | 1800-102-4488 |
[email protected] | |
Website | https://www.careinsurance.com/rhicl/claim/login |
The insurance cover details for your Personal Accidental Insurance is mentioned in the Insurance Policy Certificate that is sent to you on your registered email address at the time the loan is disbursed to you. You may also access your policy details document by going to: https://www.careinsurance.com/cpproject/cplogin/register
The insurance cover details for your Personal Accidental Insurance is mentioned in the Insurance Policy Certificate that is sent to you on your registered email address at the time the loan is disbursed to you. You may also access your policy details document by going to: https://www.careinsurance.com/cpproject/cplogin/register
The policy is non-refundable.
You will become eligible for the benefits of StashFin Credit Shield when your bill gets converted into EMIs (in case you do not pay by your Bill Date).
A healthy Credit Score is important to avail credit facilities. The StashFin Credit Builder Program is intended to provide a helping hand to customers who are looking to improve their credit health by taking steps towards boosting their Credit Score and building a solid credit history.
StashFin Credit Builder Program is an ideal tool to improve financial health and is best suited for customers who:
Consistent repayment of StashFin loans will help you build a stronger credit profile. By making regular, on-time payments over a period of time, your Credit Score and overall credit health is likely to improve with each repayment.
Getting a Credit Builder loan from StashFin is simple. Here’s all you need to do:
You can take loans up to an amount of Rs. 30,000 as per your credit eligibility.
No, we do not ask for any security or collateral. The StashFin Credit Builder Program is one of the only programs that offers you an unsecured loan to help improve your Credit Score.
No, this is a completely online application process. You can fill the application form, complete your KYC and avail the loan in less than 5 minutes from your office, home or anywhere on the StashFin App.
We only need photos of your Aadhar Card and PAN Card.
Yes, to avail the loan, a nominal Membership Fee is charged under the StashFin Credit Builder Program.
To provide you an unsecured loan and offer you services such as monthly bureau reporting & Credit Score tracking, we incur a significant amount of cost. We therefore charge a nominal fee to cover these costs.
When you complete the application process for StashFin Credit Builder, you will receive 50% of the loan amount in your bank account. The balance 50% amount will be disbursed in your bank account after you repay all your EMIs. Don’t worry, by holding some funds we are helping you to build your credit score and credit health with timely repayment of EMIs. When you repay all your EMIs, the balance disbursal amount will be transferred to your bank account within 2 working days.
A StashFin Credit Builder loan offers features that help you stay on top of factors impacting your credit health. It is an installment loan with fixed monthly payments. Payments you make towards your StashFin Credit Builder loan are reported to the credit bureaus which in turn helps you establish a Credit Score while consistently improving it. With every timely repayment, we will report your good credit behavior to credit rating bureaus, helping you build a better Credit Score and gain various benefits as a result.
Benefits of StashFin Credit Builder
Once your Loan is disbursed, the money will reach your bank account within 2 working days.
1. While utilizing the StashFin Credit Builder Program you shall not default in your commitment to any financial institutions or other lenders. The same will lead to negative impact on your Credit Score.
2. StashFin Credit Builder Program does not assure a definite Credit Score. It is a program intended to improve the same. The final assessment of the score will be independently provided by credit information companies. StashFin will not be responsible if the credit information companies have discarded your loan repayment under the above program.
StashFin is not a lender/financial institution. The loan, as mentioned in this FAQs section, is the loan offered from lenders who have partnered with StashFin. Any grant of loan by them will be solely at their discretion. While you apply for the services and/or a loan, StashFin will rely on the documents provided by you as true and correct. Any factual incorrectness may turn detrimental to the objectives of the customer.