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We review your details
Your information is passed to our lending partner, who assesses it against their credit policy and returns an indicative decision.
Instant Personal Loan up to ₹25,000
A short-term loan for the gap between now and payday. Apply in minutes, repay in 7 to 60 days, and see every rupee of cost before you commit.
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- Maximum loan amount
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- Repayment tenure (days)
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- Typical decision time
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- Branch visits required
The product
What a RushMoney loan actually is
This is small-ticket, short-tenure personal credit. It is designed for a specific job: covering an unexpected expense that lands before your next salary does.
Because the tenure is short, the loan is repaid as a single bullet payment on the due date rather than as monthly EMIs. That keeps the total cost low and the commitment predictable — but it also means you should only borrow an amount you are confident you can clear on that date.
Common reasons people apply
- Medical bills
- Rent top-up
- School or exam fees
- Vehicle repair
- Utility dues
- Travel to family
- Device replacement
Key terms at a glance
| Loan amount | ₹1,000 to ₹25,000 |
|---|---|
| Tenure | 7 to 60 days |
| Repayment | Single bullet repayment on due date |
| Interest rate | 0.1% to 0.15% per day |
| Processing fee | 15% + GST |
| Disbursal mode | IMPS / NEFT to your bank account |
| Prepayment charge | Nil — repay early at no extra cost |
| Collateral | None. This is an unsecured loan. |
Full transparency
Fees and charges
Every charge that can ever apply to your loan is listed here. Nothing is added later.
| Charge | Amount | When it applies |
|---|---|---|
| Interest | 0.1% to 0.15% per day on the principal | Accrues daily for the number of days you hold the loan. |
| Processing fee | 15% of the sanctioned amount + GST | One-time, charged on disbursal of an approved loan. |
| GST | 18% on the processing fee | Statutory tax, applied to fees only — never to interest. |
| Late payment charge | ₹500 per missed due date | Only if repayment is not received by the due date. |
| Bounce / mandate failure | ₹350 per failed auto-debit | If an auto-debit fails due to insufficient balance. |
| Prepayment / foreclosure | Nil | Never charged. Repay early and you pay less interest. |
| Application fee | Nil | Applying and checking eligibility is always free. |
Never pay anyone upfront
RushMoney will never ask you to pay a fee, deposit or "processing charge" to any
individual, UPI ID or personal account in order to release a loan. All charges are
deducted or collected only through the official flow. If someone asks you for money
outside that flow, it is a scam — report it to us at
hello@rushmoney.in immediately.
Worked example
What ₹10,000 over 30 days looks like
An illustrative breakdown so there are no surprises. Your own figures appear on the summary screen before you accept.
Principal
₹10,000
Interest (30 days)
₹300
Fee + GST
₹1,770
Total repayable
₹12,070
Based on 0.1% per day interest and a 15% processing fee plus 18% GST. All-inclusive APR: 251.8% p.a. Figures are illustrative and rounded.
Step one of three
Check your eligibility
Share a few basic details and we'll come back with an indicative offer. This form does not run a credit bureau check and has no effect on your credit score.
- No obligationAn indicative offer is not a commitment. You can walk away at any point.
- No costChecking eligibility is free, always.
- No spamWe contact you about your application only.
Before you borrow
A short-term loan is a serious commitment. Borrow only what you need and only what
you are confident you can repay on the due date. If you are already struggling with
existing debt, taking on more is unlikely to help.
Your details
After you apply
What happens next
2
You complete KYC
If you're eligible, you verify your identity and bank account digitally using Aadhaar OTP and a short liveness check.
3
You accept and get paid
Review the final terms, e-sign the agreement, and the sanctioned amount is transferred to your account.
Still deciding? Model it first
Use the calculator to see exactly what a given amount and tenure would cost you before you fill in anything.