GotoCash App Complete Details- Updated May 2021

GotoCash app image

About GotoCash Instant Personal Loan App

GotoCash App providing short-term loans in an easy, convenient, and quick through a mobile phone.

Sometimes financial emergencies are unplanned but we don’t have money to bear all these expenses. A few years back it was a big issue for anyone. but today, many organizations provide instant personal loans to bear all these kinds of expenses.

Any Financial Emergencies like- Marriage expenses, Unplanned expenses, Travelling expenses, Home renovation, debt consolidation, etc.

GotoCash is a mobile-friendly application for availing Instant personal loans.

GotoCash app logo

What is GotoCash?

GotoCash is a digital platform that provides instant personal loans. Their users can apply for this short term personal loan up to Rs. 50,000 from anywhere at any time. The application process is simple and paperless. after approval fund is transferred to the user’s account within less time.

What are the eligibility criteria for GotoCash App?

  • Salaried or Self-employed can apply.
  • Citizenship- All Indian citizens from anywhere across India are eligible.
  • Age- Between 20 years to 50 years.
  • Minimum Income- Monthly income of Rs 15,000.

GotoCash Personal Loan App-Interest Rate, and Other Charges

  • Loan amount- Minimum Rs 2,000 Upto Rs 50,000.
  • Processing fee- Up to 16% of the loan amount.
  • Late Payment Fee- 3% of the loan amount+GST. (Charged once)
  • Penalty Interest- 2% of the loan amount. (per day)
  • GST charges- 18%.
  • Tenure {including renewal period- Minimum period – 61 days, Maximum period – 182 Days
  • Interest rate- 34.7% per annum Maximum, 0.095% Interest per day.


Rs10,000 loan of 91 days duration, the Interest rate is 0.095% per day, after deducting the processing fee.

the interest payable by the loan borrower is :

Interest Payable = Rs5,00034.7%/36591 = Rs 432.25
Maximum Annual Percentage Rate: 182%

Documents required for GotoCash App?

  • Selfie photograph.
  • Address proof (AADHAR CARD).
  • Bank card number.

Features of GotoCash instant personal loan app

  1. No credit history required- The person having a low credit history or no previous credit history is eligible to avail loan through this app.
  2. Amount Credited Instantly- After approval loan amount will be immediately credited to your bank account within 30 minutes.
  3. No Collateral- Co-borrower and Collateral are not required.
  4. Easy process- Less documentation and formalities are required.
  5. Repayment Methods- Multiple repayment methods availability.
  6. Accessible from anywhere- Apply anytime from everywhere.
  7. No prepayment penalty- If the loan is repaid before the due date, No prepayment penalty needs to pay.
  8. Time Limit- No time limit to apply for the loan.

GotoCash features

How does GotoCash App work ?

  • Step 1:- Install GotoCash app {Google Play Store}.
  • Step 2:- Register yourself through mobile phone.
  • Step 3:- Fill in the information and submit your profile.
  • Step 4:- Upload relevant documents a.nd get evaluated
  • Step 5:- E-sign the loan agreement.
  • Step 6:- Get a loan within 30  minutes.

GotoCash App Review 

The review’s from the user’s point of view:-

Users are happy with their customer’s service and they’re able to provide loans instantly. It provides fast and secure loans within less time but quite dissatisfied with their high-interest rates and the less repayment tenure. Most of their customer’s reviews sound good.

Check the review below:-

gotocash positive review


  • Customers get loans instantly from this loan app.
  • Customers’ service is good.
  • Helpful and convenient to use.


GotoCash Negative app review

  • Interest rates are high.
  • The repayment tenure is for less time.
GotoCash AppInformation
Required Android4.4 and up
Ratings on PlayStore4.4*
Reviews on PlayStore58,726
App Size11mb
Install1+ Million


 Frequently Asked Questions (FAQs)

What is the extension? How can I make an extension fee payment?

  • you can choose to extend your loan to a convenient repayment date by paying an extension fee, for a maximum period of up to the original loan tenure. You can pay the applicable extension fee via e-channels like Debit card/Net Banking etc on the GotoCash app.

Can I prepay on GotoCash?

  • Yes, you can prepay on GotoCash before the due date, this will help to increase your credit score.
GotoCash Customer Care Details
  • Email id:
  • Hotline: +91-9667799012
  • Address: SF-221,2-floor, IT Complex, JMD Megapolis, Village Tikri, Sohna Road, Gurgaon Haryana – 122018 India.


  • STORAGE- Allow to store documents and uploaded pictures for the loan application process.
  • LOCATION- They require location access to identify your current location to check you’re from the serviceable location or not.
  • Camera- Allow to take and upload pictures & documents for loan application.
  • Contact- Allow for reference detection and account information to fill in data during the complete process.


  • Their process is highly compliant with industry-standard security protocols.
  • Data is transported over secured HTTPS connections.
  • All the transactions are secured via 256-bit SSL encryption.
  • They do not share your data without consent.

APP SOURCE:- DOWNLOAD HERE                                                                                        


GotoCash is an instant personal loan app which provides short term loan online within less time. Users are happy with their services but quite disappointed with their interest rates and repayment tenure. You can go through with this loan app. but for a better result need to compare details with another loan app also.


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  6. mPokket-Instant loan for college students
  7. Kreditzy-Instant personal loan
  8. Z2P-Instant personal loan
  9. Bitford Finance Loans

All the best!





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