CashPey App Reviews, Customer Care Number & Details

LSP for Naman Commodities NBFC: ₹50,000–₹5,00,000 at 18%–36% a year, fee up to 10%

This CashPey app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified CashPey customer care number, WhatsApp channel and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

FINTECHRBI Regulated

Reviewed by BankCreds App Review Team· App Review Analysts Updated 6 October 2026

CashPey is a Delhi loan app that arranges personal loans of ₹50,000 to ₹5,00,000 for salaried people, and the lender behind it is Naman Commodities Private Limited, an NBFC that does appear in RBI's register. What you most need to know is that CashPey's own pages contradict each other on key points, including whether its Play Store app is official.

Its website says CashPey has no Android or iOS app and warns that any app offering CashPey loans may be unauthorised, yet the Play listing is published under Naman Commodities' developer account. Its web app calls CashPey itself an RBI-registered NBFC, which RBI's list does not support, and quotes rates and download figures that clash with the Play listing. Here is what we could and could not confirm as of October 2026.

Quick Facts

4.3★ · 62

Play Store

₹5L

Max Loan

18% – 36% p.a. (Play listing); APR up to 50%

Interest Rate

Within 24 hours of approval (app.cashpey.com claim; not verified)

Disbursal

6 – 36 months

Tenure

Up to 10% + 18% GST (Play listing); 5% + GST on cashpey.com

Processing Fee

Rs 25,000 per month

Min Income

Play Store rating sourced from Google Play, as of 6 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 3.0/5

The web app promises funds within 24 hours of approval, but the only evidence of speed comes from reviews that do not look organic.

Interest & cost 2.0/5

Rates of 18% to 36% a year plus a fee of up to 10% and GST put the Play-stated APR ceiling at 50%.

App experience 2.5/5

Genuine-looking complaints describe repeated PAN verification failures, and the 4.3 average rests on a suspicious burst of reviews.

Customer support 2.5/5

A phone number, several emails and an escalation matrix are published, but CashPey and its lender name different grievance officers.

Safety & transparency 2.0/5

The lender is RBI-registered, yet CashPey's own pages disagree about its app, its legal status and its prices.

Loan Details & Charges

Loan Amount Rs 50,000 – Rs 5,00,000 (Play; website says from Rs 25,000)

Interest Rate 18% – 36% p.a. (Play listing); APR up to 50%

Tenure 6 – 36 months

Processing Fee Up to 10% + 18% GST (Play listing); 5% + GST on cashpey.com

Late Payment Penal charges 2% per month on overdue amount, pro-rated (cashpey.com disclosure/T&C); the NBFC interest-rate policy on the same site says overdue interest @ 2% p.a.; collection visits up to Rs. 200 each

Foreclosure 7% of remaining principal + GST, only after 3 EMIs; part-payment / EMI prepayment not applicable

Bounce Charges e-NACH dishonour ₹500 + 18% GST; cheque bounce ₹500 + GST

Eligibility Criteria

Age 21-60 years

Min Income Rs 25,000 per month

CIBIL Score 685+

Employment Salaried only

Documents PAN, Aadhaar (mobile-linked), salary slip, bank statement, bank account details, selfie / video KYC

What It Actually Costs

Loan amount ₹1,00,000

Tenure 12 months

Monthly EMI ₹9,651

Total interest ₹15,807

Processing fee ₹5,900 (₹5,000 + ₹900 GST)

Total repayment ₹1,15,807

Built on the Play listing's own representative example (₹1,00,000, 28% a year, 12 months, 5% fee). You receive ₹94,100 but repay ₹1,15,807; at the 10% fee the listing allows, ₹11,800 is deducted and you receive only ₹88,200.

Try the CashPey EMI calculator

Pros

Lender Naman Commodities is in RBI's NBFC register and lists the CashPey app among its products
Long tenures of up to 36 months and loans up to ₹5,00,000 for salaried borrowers
Play listing shows what you actually receive: ₹94,100 in hand on a ₹1,00,000 loan after fee and GST
Play Data safety lists no SMS, contacts or location data; the privacy policy says SMS is not read
Escalation route to the RBI Ombudsman, with a promise to resolve complaints within 30 days

Cons

Processing fee of up to 10% plus 18% GST, deducted before the money reaches you
Play listing allows an APR of up to 50%, though the website claims a 36% maximum
Foreclosure costs 7% of remaining principal plus GST and is allowed only after 3 EMIs
Salaried applicants only, with at least ₹25,000 monthly income and a 685+ credit score
A ₹50,000 minimum on Play is too large for small emergencies

Our Verdict

CashPey has one thing many small loan apps lack: a lender you can find in RBI's own register. Naman Commodities Private Limited appears at serial 4795 of the list as on June 30, 2026, under the Kolkata regional office, and the NBFC's website names the CashPey app as one of its products. So this is not an unregulated app. Almost everything around that lender is shaky. The cashpey.com disclosure page says there is no CashPey mobile app, while the Play listing says otherwise. The fee is 5% on the website but up to 10% on Play, and the maximum APR is 36% on one and up to 50% on the other. CashPey calls itself an LSP on Play, a DSA on its homepage and an RBI-registered NBFC on its web app. That web app also claims a 4.8 rating and 2 Lakh+ downloads, while Play shows 4.3 and 5K+. And most of its written Play reviews landed within a few hours on 17 July 2026. If you are salaried, have a credit score of 685 or more and cannot get a cheaper offer, CashPey can work, but only after you read the Key Fact Statement and get the APR in writing. Most borrowers with that profile have better-documented choices.

Who CashPey suits

Salaried borrowers earning ₹25,000 a month or more who need ₹50,000 or more

Applicants with a credit score of 685 or higher who will compare APRs before signing

Borrowers who want EMIs spread over up to 36 months and have confirmed the app with the lender

Look elsewhere if

You need a small emergency amount below ₹50,000

You are self-employed, a student or between jobs: CashPey lends to salaried people only

You want a lender whose website, app and fee schedule agree with each other

Things to Watch

CashPey's website says it has no Android or iOS app and warns such apps may be unauthorised, yet a Play app exists.
Its web app calls CashPey Financials Private Limited an RBI-registered NBFC; no CashPey entity is in RBI's register.
The web app claims ₹500Cr+ disbursed, an 8.5% starting rate, a 4.8 rating and 2 Lakh+ downloads, none of which match its own terms or Play data.
Key terms change by page: fee 5% or up to 10%, maximum APR 36% or 50%, minimum ₹25,000 or ₹50,000, CoR B-05.03944 or B-14.01767.
A burst of four- and five-star Play reviews arrived within hours on 17 July 2026, one under a name matching CashPey's COO.

How to Apply for CashPey

1

Confirm the app first

Use only the Play app com.cashpey, whose developer details name Naman Commodities Private Limited. Because cashpey.com says it has no app, ask info@cashpey.com to confirm in writing before sharing KYC.
2

Register and check eligibility

Sign up with your mobile number and email using OTP. You need to be salaried, at least 21, earning ₹25,000 a month or more, with a credit score of 685 or above.
3

Complete KYC

Enter PAN and Aadhaar details, add your salary account and upload a selfie and documents. CashPey says it charges nothing before approval, so refuse any upfront payment request.
4

Read the Key Fact Statement

Before e-signing, check the APR, the processing fee and the exact in-hand amount. Walk away if the fee is above the 5% the website quotes without a clear reason.
5

Receive funds and repay by e-NACH

The net amount goes to your bank account and EMIs are auto-debited. Keep the balance ready: a dishonoured e-NACH costs ₹500 plus 18% GST.

Documents Required

PAN card

Aadhaar, with your mobile number linked to it

Salary slip and a recent bank statement

Bank account details for disbursal and e-NACH

Selfie or video KYC

What Real Users Say

Treat the average as unreliable. Four- and five-star reviews clustered within hours of each other on 17 July 2026, one five-star review is posted under a name matching CashPey's COO, and another comes from an account named after Day2Day Loan, a sister brand of the same NBFC.

CashPey shows 4.3 stars from 62 reviews and 5K+ downloads as of October 2026, but most of its written reviews arrived in one burst on 17 July 2026 and read like generic praise.

What users love

Positive reviews mention a simple application, easy KYC and quick processing, and a few claim same-day disbursal. Many are only a word or two long, and several praise investment features rather than borrowing.

Common complaints

The critical reviews are short but specific: PAN verification failing again and again during sign-up, and one user telling others not to borrow here. The developer's replies are templated requests to email info@cashpey.com.

How CashPey Compares

vs Kissht — Kissht lends through its group NBFC Si Creva Capital and has a far longer public record, making it the steadier pick for a similar mid-sized loan.

vs Moneyview — Moneyview is an established, regulated EMI-loan app for salaried borrowers and worth comparing on APR before you accept a CashPey offer.

vs KreditBee — KreditBee also starts at much smaller amounts, so it suits borrowers who need less than CashPey's minimum.

How we tested

In the first week of October 2026 we read the Play listing, its Data safety page and every written Play review; cashpey.com's disclosure, terms, grievance, lender and interest-rate pages; the app.cashpey.com web app and its policies; the websites of Naman Commodities and Digner Finlease; and RBI's NBFC register and cancelled-registration list. We could not open RBI's Digital Lending Apps directory, did not take a loan, and did not verify CashPey Financials Private Limited on the MCA portal.

CashPey Customer Support Details

CashPey arranges loans for Naman Commodities Private Limited, the RBI-registered NBFC that actually lends. The two sites name different grievance officers — Ms. Mamta Dangri (9266351505) on cashpey.com and Ajay Kumar Verma on the lender's own site — so address both when you escalate. CashPey says complaints are resolved within 30 days.

CashPey customer care number	+91 70032 70034
CashPey WhatsApp number	NA
CashPey customer support email ID	info@cashpey.com
Registered lending entity	Naman Commodities Private Limited (RBI-registered NBFC); CashPey Financials is the LSP
CashPey grievance officer email	grievance@cashpey.com

Verified from CashPey's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. All lender, bank & insurer contacts →

Frequently Asked Questions

Is CashPey safe and RBI registered?

CashPey itself is not an RBI-registered lender. Loans come from Naman Commodities Private Limited, which is listed at serial 4795 in RBI's NBFC register as on June 30, 2026, under the Kolkata office, and whose website names the CashPey app as its product. Be careful anyway: CashPey's web app wrongly calls CashPey Financials an RBI-registered NBFC, and its main website says it has no mobile app at all.

What does a CashPey loan really cost?

Interest runs from 18% to 36% a year. The Play listing allows a processing fee of up to 10% plus 18% GST and an APR of up to 50%, while the website says 5% and 36%. In the Play listing's own example, a ₹1,00,000 loan at 28% for 12 months with a 5% fee leaves you ₹94,100 in hand and an EMI of about ₹9,650.

How much can I borrow from CashPey, and for how long?

The Play listing offers ₹50,000 to ₹5,00,000, repaid over 6 to 36 months. CashPey's website disclosure gives a lower floor of ₹25,000 and tenures of 3 to 36 months. Because the company's pages disagree, treat only your sanction letter and Key Fact Statement as binding, and check the amount you will actually receive after the fee.

Who is eligible for a CashPey loan and what documents are needed?

CashPey lends only to salaried Indian residents aged at least 21, earning ₹25,000 a month or more, with a credit score of 685+. Its long-term loan page puts the upper age at 60. Expect to provide PAN, Aadhaar with a linked mobile number, salary slips, a recent bank statement, bank account details for e-NACH and a selfie or video KYC.

What is the CashPey customer care number and how do I complain?

CashPey lists +91 70032 70034 and info@cashpey.com for support. Send complaints to grievance@cashpey.com; if unresolved, escalate to grievance officer Ms. Mamta Dangri, as named on cashpey.com. Naman Commodities' own site names a different officer, Ajay Kumar Verma. If nothing is fixed within 30 days, complain to RBI at cms.rbi.org.in.

CashPey's website says it has no app. Is the Play Store app fake?

Probably not, but the confusion is CashPey's own making. The Play app com.cashpey names Naman Commodities Private Limited as its developer and links to cashpey.com, and the NBFC's website lists a Cashpey App among its products. Yet cashpey.com's disclosure page says CashPey has no Android or iOS app. Get written confirmation from info@cashpey.com before uploading KYC documents.

How do I file a complaint against CashPey?

Work the escalation ladder in order. First, raise the complaint with CashPey support (info@cashpey.com) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at grievance@cashpey.com. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from CashPey recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (grievance@cashpey.com), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

Download CashPey

Get instant loan in minutes

Apply Now

Play Store

Compare With

Compare Apps

CashPey Tools

CashPey EMI Calculator

All Loan App Reviews

See how CashPey stacks up against every other instant loan app we've reviewed — compare ratings, max loan and rates side by side.

Rank	App	Rating	Max Loan	Rate	Review
1	Bajaj Finserv	4.6	₹55L	10.00% – 30.50% p.a.	Read Review
2	Navi	4.6	₹20L	9.90% – 29.00% p.a.	Read Review
3	Orrish Orrish Finance Private Limited	4.6	₹7L	12% – 30% p.a. on personal loans (Play); up to 1% per day on loans of up to 90 days	Read Review
4	FlexiLoans Business Loan	4.58	₹50L	12% – 28% p.a. (official: 'from 1%/month'; ceiling unpublished)	Read Review
5	KreditBee KrazyBee Services Limited (NBFC) plus partner lenders: Northern Arc Capital, MAS Financial Services, PayU Finance India, Kisetsu Saison Finance, Piramal Finance, Cholamandalam, Mirae Asset Financial S	4.5	₹10L	12.00% – 28.50% p.a.	Read Review
6	MoneyView Multiple partner NBFCs/banks: Whizdm Finance Pvt Ltd (Moneyview group NBFC), Aditya Birla Finance, DMI Finance, Clix Capital, Kisetsu Saison Finance, SMFG India Credit, Piramal Capital & Housing Finan	4.5	₹10L	14.00% – 24.00% p.a.	Read Review
7	Home Credit Home Credit India Finance Pvt. Ltd. (NBFC; subsidiary of TVS Holdings Ltd.)	4.5	₹4.8L	19.20% – 44.00% p.a.	Read Review
8	Fibe NBFC partners	4.5	₹10L	18.00% – 36.00% p.a.	Read Review
9	Piramal Finance Piramal Finance Limited (formerly Piramal Capital & Housing Finance Limited)	4.5	₹25L	12.99% – 24.00% p.a.	Read Review
10	True Balance True Credits Private Limited (group NBFC) plus partner NBFCs: Grow Money Capital, InCred Financial Services, Vivriti Capital, Northern Arc, OXYZO Financial Services	4.5	₹2L	28.80% – 36.00% p.a.	Read Review
11	LendingPlate Unifinz Capital India Limited (NBFC, RBI CoR 14.00233)	4.5	₹2.5L	12% – 30% p.a.	Read Review
12	mPokket mPokket Financial Services Private Limited (NBFC; LSP/app owner: Maybright Ventures Private Limited)	4.4	₹2L	22.00% – 36.00% p.a.	Read Review
13	LazyPay NBFC partners	4.4	₹5L	18.00% – 32.00% p.a.	Read Review
14	Kissht SiCreva Capital Services Pvt. Ltd. (OnEMI/Kissht group NBFC) plus financing partners (logos: Aditya Birla, Mirae Asset Financial Services, Northern Arc, Piramal, SMFG, Suryoday, Utkarsh, Vivriti, MAS)	4.4	₹5L	14.00% – 30.00% p.a.	Read Review
15	Freo Multiple partners: Kisetsu Saison Finance (India) Pvt Ltd, SMFG India Credit, InCred Finance, RBL Bank, Apollo Finvest (India) Ltd, Cholamandalam, Lendbox, Komac Investments & Finance, Aspire Finance,	4.4	₹5L	13.00% – 36.00% p.a.	Read Review
16	Nira Multiple NBFC partners (LSP model): Northern Arc Capital, Niyogin Fintech, Avanti Finance, PayU Finance, Trillion Loans (formerly BharatPe-linked), Komac Investments and Finance (KIFPL); NIRA = Shuhar	4.4	₹1L	24.00% – 36.00% p.a.	Read Review
17	CreditSea Partner NBFCs: Chhotaria Securities Pvt Ltd (NBFC Reg B-05.04798), Meghdoot Mercantile Pvt Ltd (B-05.03357), CP Capital Ltd, TapStart Capital Pvt Ltd, Coffers Finvest Ltd (formerly GSB Finance). Credi	4.4	₹2L	14% – 36% p.a.	Read Review
18	CASHe Bhanix Finance and Investment Limited (NBFC)	4.3	₹3L	33.50% – 36.00% p.a.	Read Review
19	FlexSalary Vivifi India Finance Private Limited (RBI CoR N-09.00447)	4.3	₹3L	18.00% – 42.00% p.a.	Read Review
20	OLYV Multiple partner NBFCs (homepage logos: InCred, Northern Arc, PayU Finance, Poonawalla Fincorp, Upmove, Vivriti Capital); platform is SmartCoin Financials Pvt. Ltd.	4.3	₹5L	18.00% – 36.00% p.a.	Read Review
21	CashPey Naman Commodities Private Limited	4.3	₹5L	18% – 36% p.a. (Play listing); APR up to 50%	You're here
22	RING Power Loan Si-Creva Capital Services Pvt Ltd (in-house, RBI reg N-13.02129), Northern Arc Capital, MAS Financial Services, Utkarsh Small Finance Bank	4.3	₹5L	32% – 57% p.a.	Read Review
23	Stashfin Akara Capital Advisors Private Limited (NBFC); co-lending partners Cholamandalam Investment and Finance Co Ltd, Northern Arc Capital Ltd, Oxyzo Financial Services Pvt Ltd	4.2	₹5L	11.99% – 59.99% p.a.	Read Review
24	PayRupik Sayyam Investments Pvt. Ltd. (RBI-registered NBFC)	4.2	₹2.5L	20.00% – 36.00% p.a.	Read Review
25	Hero FinCorp Hero FinCorp Limited (NBFC, lends directly)	4.2	₹7L	18% p.a. onwards (no published cap)	Read Review
26	ATM Cred Swastik Finance Limited	4.1	₹1L	18% – 36% APR (Play); up to 3% per month (lender page)	Read Review
27	Pocketly Speel Finance Company Private Limited (NBFC; owns and operates Pocketly)	4.1	₹50,000	24% – 36% p.a. (all-in APR up to ~132% with fees, per third-party listings)	Read Review
28	HDFC Bank Pre-approved Personal Loan (Insta) HDFC Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 24.00% p.a.	Read Review
29	ICICI Bank Personal Loan ICICI Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 16.50% p.a.	Read Review
30	Axis Bank Instant Loan Axis Bank Limited (scheduled private-sector bank; lends directly)	4	₹50L	9.99% – 22.00% p.a.	Read Review
31	Dhan Pocket Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)	4	₹1L	0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35%	Read Review
32	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
33	Aditya Birla Personal Loan Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)	4	₹50L	10% – 28% p.a.	Read Review
34	DigiCredit Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner	4	₹75,000	Up to 36% p.a. (stated cap; floor not disclosed)	Read Review
35	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
36	InstaMoney Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).	4	₹1L	24% – 48% p.a.	Read Review
37	Ram Fincorp R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only	4	₹2L	15% – 35% p.a. (listed)	Read Review
38	RapidMoney RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP	4	₹15,000	36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee	Read Review
39	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
40	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
41	True Fund	4	₹0	Not disclosed	Read Review
42	Tap4Credit	4	₹0	Not disclosed	Read Review
43	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
44	PayTrust	4	₹0	Not disclosed	Read Review
45	HDFC SmartEMI HDFC Bank Limited (scheduled private sector bank)	4	₹0	From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a.	Read Review
46	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
47	Cash247 Siddhi Traders Pvt Ltd, Chhotaria Securities Pvt Ltd, Meghdoot Mercantile Pvt Ltd, Swaroop Finance Pvt Ltd (none verified on RBI records)	4	₹0	10.99% p.a. advertised; 14% shown elsewhere on the same site; max not disclosed	Read Review
48	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
49	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
50	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
51	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review