Cash Loan

A cash loan is a short-term personal loan that helps you cover urgent money needs like bills, rent, medical costs, or everyday expenses. With TrustPaisa, you can apply for a cash loan online, choose your amount and tenure, and get the funds sent directly to your bank account once approved, without visiting any branch. 

To get a cash loan online with TrustPaisa, download the app or visit the website, register with your Aadhaar-linked mobile number, fill in your personal and employment details, upload the required documents, choose your loan amount and tenure, then e-sign the agreement. After approval, the money is transferred straight to your bank account, often on the same day. 

You are generally eligible for a cash loan if you are a resident of India, aged between 18 and 55 years, employed (salaried or self-employed) with a stable income, and have an active bank account in your name. Final eligibility is decided by our lending partners after reviewing your full application and documents. 

TrustPaisa and its lending partners usually need to see that you have a regular, verifiable income. A salary payslip is helpful but not always the only option—bank statements or other proof of income may also be considered. If you cannot show any income evidence, your chances of approval are significantly lower and your application may be rejected.

Cash loans are primarily designed for people with a steady income, because repayments must be made on time. If you are completely unemployed and do not have any reliable income source, you are unlikely to be approved. If you have alternative, regular income that can be verified via your bank account, you may still apply, but approval is not guaranteed.

If you don’t have a CIBIL score or have a very thin credit file, you can still apply for a cash loan. TrustPaisa’s lending partners look at multiple data points such as your income, employment details, and bank transactions, not just your CIBIL score. However, approval is always subject to their internal policies and risk checks. 

Having a bad credit history makes approval more difficult, but it does not automatically mean you will be rejected. The lender will review your past repayment behavior, current income, and overall profile. You may still be approved for a lower amount or different terms, but nothing is guaranteed and each application is assessed individually.

TrustPaisa does not publicly state a single minimum credit score for a cash loan. Instead, your CIBIL score is evaluated together with your income, age, employment status, and other factors. In general, a higher and cleaner credit score improves your chances of approval, but final decisions are always made by the lending partner based on their criteria.