Stashfin Review
Credit line and personal loan app with amounts up to Rs 5 lakh and wide rate range.
Stashfin is a revolving credit line and prepaid card rather than a one-shot loan — you draw what you need up to your limit, repay in EMIs, and reuse it. The lending sits with Akara Capital, an RBI-registered NBFC, so it's legitimate.
The headline is the problem, and this review is blunt about it: an 11.99%–59.99% band is a near-five-fold spread, and the advertised ~12% is a best case that most applicants won't see.
Quick Facts
4.2★ · 2.5L
Play Store
₹5L
Max Loan
11.99% – 59.99% p.a.
Interest Rate
Within minutes
Disbursal
3 – 36 months
Tenure
0% – 10% of loan amount
Processing Fee
Rs 15,000 per month
Min Income
Play Store rating sourced from Google Play, as of 18 Jun 2026. Other figures from the lender's official disclosures.
Our Ratings
Funds load to the credit-line card in minutes once the line is active.
A very wide 11.99–59.99% band — most typical applicants land in the 30–60% zone, plus a 0–10% fee.
A capable app and card combo rated around 4.3★ on the Play Store.
Some users report unresponsive support and refund or double-debit delays.
Lending is by Akara Capital, an RBI-registered NBFC, but the wide band and card fees need careful reading.
Loan Details & Charges
Eligibility Criteria
What It Actually Costs
Illustrative at a ~30% rate — most applicants land in the 30–60% zone, not the 11.99% headline. The fee is deducted upfront. The top of Stashfin's band is 59.99% — confirm your actual rate before drawing.
Try the Stashfin EMI calculatorPros
- A revolving credit line — draw only what you need and pay interest only on that
- Funds load to a prepaid/credit-line card in minutes; reuse the limit without re-applying
- Lending is by Akara Capital, an RBI-registered NBFC
- Limits up to ₹5 lakh with tenures to 36 months
- Card usable at POS, online and ATMs
Cons
- A very wide 11.99–59.99% band — the advertised ~12% is a best case, most land in 30–60%
- A 0–10% processing fee plus card and ATM charges raise the effective cost
- The revolving structure makes it easy to keep redrawing and stay indebted
- Some users report aggressive recovery and weak support
- Cash-withdrawal and card fees are easy to overlook
Our Verdict
Stashfin is a revolving credit line and prepaid card rather than a one-shot loan — draw what you need up to your limit, repay in EMIs, and reuse it. The lending sits with Akara Capital, an RBI-registered NBFC, so it's legitimate. The headline is the problem: an 11.99%–59.99% band is a near-five-fold spread, and the advertised ~12% is a best case — most typical applicants land in the 30–60% zone. Add a 0–10% processing fee plus card and ATM charges, and the revolving structure makes it easy to stay perpetually indebted. Useful for disciplined borrowers who'll clear it fast; expensive and sticky for everyone else.
Who Stashfin suits
Look elsewhere if
Things to Watch
- The 11.99% rate is a best case — Stashfin's band runs to 59.99%, and most typical applicants land in the 30–60% zone, so confirm your actual rate before drawing
- A 0–10% processing fee plus card and ATM charges raise the effective cost above the quoted rate
- The revolving line makes it easy to keep redrawing and stay perpetually indebted — borrow deliberately, not by habit
How to Apply for Stashfin
- 1
Register in the app
Download the Stashfin app and sign up with your mobile number.
- 2
Enter your details
Add your personal, professional and bank details via the quick form.
- 3
Complete KYC and e-sign
Verify Aadhaar and PAN, add income proof, and e-sign the agreement; your credit line and card are issued.
- 4
Draw funds
Draw what you need from your limit — money reaches your account or card in minutes. Check the fee on each draw.
Documents Required
What Real Users Say
Stashfin rates around 4.3★ on the Play Store with 1M+ installs, though dedicated complaint sites skew far more negative.
A split between people who value the revolving convenience and those stung by cost and support.
What users love
Borrowers praise quick approval, the flexible revolving limit, and a simple KYC flow.
Common complaints
Some users report high fees and high-end rates, aggressive recovery, and unresponsive support.
How Stashfin Compares
vs KreditBee — KreditBee tops out far lower, so Stashfin's worst-case is roughly double — but Stashfin's revolving line and card are more flexible than a fixed loan.
vs LazyPay — LazyPay is a tighter, lower-ceiling band for smaller BNPL-style spends; Stashfin offers a far larger ₹5 lakh limit and a card, at a much higher potential top-end rate.
vs OLYV — OLYV caps interest around the 30s on comparable amounts, making it the cheaper worst-case for thin-file borrowers; Stashfin can go nearly twice as high at the top.
How we tested
We reviewed Stashfin's published rates, its credit-line and card mechanics and fees, confirmed its lender (the RBI-registered NBFC Akara Capital Advisors), and read recent borrower feedback across the Play Store and complaint forums. Conduct complaints are user-reported allegations, not adjudicated findings, and complaint platforms over-represent dissatisfied users. Confirm your exact rate, fees and net disbursal before drawing.
Frequently Asked Questions
Is Stashfin safe and RBI-approved?
What interest rate will I actually pay — and is the 60% rate real?
What is the true cost beyond interest?
How does the Stashfin credit line and card work?
What do I need to apply for Stashfin?
Compare With
Compare AppsStashfin Tools
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See how Stashfin 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% – 31.00% p.a. | Read Review |
| 2 | Navi | 4.6 | ₹20L | 9.90% – 29.00% p.a. | Read Review |
| 3 | FlexiLoans Business Loan | 4.58 | ₹50L | 12% – 28% p.a. (official: 'from 1%/month'; ceiling unpublished) | Read Review |
| 4 | KreditBee NBFC lending partners | 4.5 | ₹10L | 12.00% – 28.50% p.a. | Read Review |
| 5 | MoneyView NBFC lending partners | 4.5 | ₹10L | 14.00% – 24.00% p.a. | Read Review |
| 6 | Home Credit | 4.5 | ₹4.8L | 19.20% – 44.00% p.a. | Read Review |
| 7 | Fibe NBFC partners | 4.5 | ₹10L | 18.00% – 36.00% p.a. | Read Review |
| 8 | Piramal Finance | 4.5 | ₹5L | 12.99% – 24.00% p.a. | Read Review |
| 9 | True Balance NBFC partners | 4.5 | ₹2L | 28.80% – 36.00% p.a. | Read Review |
| 10 | LendingPlate | 4.5 | ₹2.5L | 12% – 30% p.a. | Read Review |
| 11 | mPokket NBFC partners | 4.4 | ₹2L | 22.00% – 36.00% p.a. | Read Review |
| 12 | LazyPay NBFC partners | 4.4 | ₹5L | 18.00% – 32.00% p.a. | Read Review |
| 13 | Kissht NBFC lending partners | 4.4 | ₹5L | 14.00% – 30.00% p.a. | Read Review |
| 14 | Freo NBFC partners | 4.4 | ₹5L | 13.00% – 36.00% p.a. | Read Review |
| 15 | Nira NBFC partners | 4.4 | ₹1L | 24.00% – 36.00% p.a. | Read Review |
| 16 | CreditSea Meghdoot Mercantile Private Limited; Chhotaria Securities Private Limited (per aggregator listing) | 4.4 | ₹2L | 14% – 36% p.a. | Read Review |
| 17 | CASHe NBFC partners | 4.3 | ₹3L | 33.50% – 36.00% p.a. | Read Review |
| 18 | FlexSalary NBFC partners | 4.3 | ₹2L | 18.00% – 42.00% p.a. | Read Review |
| 19 | OLYV NBFC partners | 4.3 | ₹5L | 18.00% – 36.00% p.a. | Read Review |
| 20 | 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 |
| 21 | Stashfin NBFC partners | 4.2 | ₹5L | 11.99% – 59.99% p.a. | You're here |
| 22 | PayRupik NBFC partners | 4.2 | ₹2.5L | 20.00% – 36.00% p.a. | Read Review |
| 23 | Hero FinCorp | 4.2 | ₹5L | 18% p.a. onwards (no published cap) | Read Review |
| 24 | Pocketly | 4.1 | ₹50,000 | 24% – 36% p.a. (all-in APR up to ~132% with fees, per third-party listings) | Read Review |
| 25 | HDFC Insta Loan | 4 | ₹40L | 9.99% – 24.00% p.a. | Read Review |
| 26 | ICICI Bank Personal Loan | 4 | ₹50L | 9.99% – 24.00% p.a. | Read Review |
| 27 | Axis Bank Instant Loan | 4 | ₹40L | 9.99% – 21.55% p.a. | Read Review |
| 28 | Zype Respo Financial Capital Private Limited | 4 | ₹5L | 18% – 34% p.a. | Read Review |
| 29 | Unity SFB Personal Loan | 4 | ₹5L | 16% – 30% p.a. | Read Review |
| 30 | True Fund | 4 | ₹0 | Not disclosed | Read Review |
| 31 | Tap4Credit | 4 | ₹0 | Not disclosed | Read Review |
| 32 | RapidMoney RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL); Fintree Finance Pvt Ltd | 4 | ₹15,000 | 36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee | Read Review |
| 33 | Ram Fincorp R.K. Bansal Finance Private Limited | 4 | ₹2L | 15% – 35% p.a. (listed) | Read Review |
| 34 | Poonawalla Fincorp | 4 | ₹5L | 16% p.a. onwards (no published cap) | Read Review |
| 35 | PayTrust | 4 | ₹0 | Not disclosed | Read Review |
| 36 | InstaMoney Innofin Solutions Pvt Ltd (LenDenClub, NBFC-P2P); Aeroflex Finance Pvt Ltd | 4 | ₹1L | 24% – 48% p.a. | Read Review |
| 37 | HDFC SmartEMI | 4 | ₹0 | From 11.88% p.a. (0.99%/month); your actual rate is shown only at conversion | Read Review |
| 38 | FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender) | 4 | ₹5L | 18% – 40% p.a. | Read Review |
| 39 | DMI Finance | 4 | ₹10L | 13.99% – 24.90% p.a. | Read Review |
| 40 | DigiCredit Khosya Finlease Private Limited (claimed, not verified; one source names DSG Investments instead) | 4 | ₹1L | Up to 36% p.a. (stated cap; floor not disclosed) | Read Review |
| 41 | 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 |
| 42 | 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 |
| 43 | Aditya Birla Personal Loan | 4 | ₹50L | 10.99% – 28% p.a. | Read Review |
| 44 | Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services | 3.2 | ₹5L | 18% – 30% p.a. | Read Review |