Short answer: Both are salary-focused apps. Fibe advertises a lower starting rate (18% against about 33.5%), a 2% starting fee and nil foreclosure charges, with a ₹20,000 income bar. CASHe’s current Play listing asks for ₹40,000 a month and lends ₹45,000 to ₹3 lakh, with an example fee of about 5.5% + GST.
Last verified: 12 October 2026 from each company’s official website and, where marked, its Google Play listing. Rates and fees change; the lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms. FundsTiger does not rank lenders.
CASHe vs Fibe at a glance
| CASHe | Fibe | |
|---|---|---|
| Type | Loan app (Bhanix Finance, an RBI-registered NBFC, plus partner) | Loan app (formerly EarlySalary; platform for RBI-regulated partner lenders) |
| Loan amount | ₹45,000 to ₹3 lakh (Google Play); homepage shows other ranges | Up to ₹10 lakh |
| Interest rate | From 2.79% a month (33.5% a year) | From 18% a year (reducing balance) |
| APR | Up to 48% (Google Play) | From 18% a year |
| Processing fee | Google Play example: ₹3,245 incl. GST on ₹50,000 (5.5% + GST), deducted upfront | From 2% + GST |
| Tenure | 9 to 18 months (Google Play) | 6 to 36 months |
| Minimum income | ₹40,000 a month by bank transfer (Google Play) | ₹20,000 a month in-hand |
| Who can apply | Salaried only | Salaried only (private or public sector) |
| Age | 21 to 55 (Google Play) | 19 to 55 |
| Prepayment and foreclosure | Early repayment allowed; interest deducted at disbursal is not refunded | Nil foreclosure charges; no prepayment penalty |
| Product | Term loan, credit line and BNPL | Term loan (EMI) |
| RBI-regulated lenders | Bhanix Finance and Investment, Northern Arc Capital | EarlySalary Services, Northern Arc Capital, InCred Financial Services, HDB Financial Services, Vivriti Capital, Kisetsu Saison Finance, Piramal Finance, Tata Capital, Cholamandalam Investment and Finance, Oxyzo Financial Services, Krazybee Services, Mirae Asset Financial Services, SMFG India Credit |
| On RBI’s digital lending app list | Yes: 6 RBI-regulated lenders list it; 1Cr+ installs, rated 4.3 | Yes: 14 RBI-regulated lenders list it; 1Cr+ installs, rated 4.6 |
| Also worth knowing | Quick cash up to ₹5,000 (homepage); Social Loan Quotient (SLQ) score tiers can lower rates | Soft-inquiry eligibility check; new-to-credit borrowers accepted; Only one active loan at a time |
Install counts and ratings are from Google Play, as recorded on RBI’s digital lending app list check of 5 October 2026.
What a ₹50,000 loan over 12 months would cost
We costed the same loan on each lender’s advertised figures, using the standard reducing-balance EMI formula and adding 18% GST to fees where the lender quotes them before tax. The lowest advertised rate is usually for the strongest credit profiles; many borrowers are offered more.
| Lender | Scenario | Rate a year | EMI | Total interest | Fee incl. GST | Total cost |
|---|---|---|---|---|---|---|
| CASHe | Lowest advertised rate, Play example fee | 33.48% | ₹4,960 | ₹9,524 | ₹3,245 | ₹12,769 |
| Fibe | Lowest advertised rate | 18% | ₹4,584 | ₹5,008 | ₹1,180 | ₹6,188 |
Try your own numbers in our personal loan EMI calculator. For loans quoted only as APR, the APR already includes fees, so the total is an estimate.
Key differences
- Rate: CASHe from 2.79% a month (about 33.5% a year); Fibe from 18% a year.
- Income bar: CASHe ₹40,000 a month; Fibe ₹20,000 in-hand.
- Fee: CASHe example about 5.5% + GST; Fibe from 2% + GST.
- Extras: CASHe also offers a credit line, BNPL and quick cash up to ₹5,000.
Which should you choose?
CASHe may suit you if you want a credit line or quick small cash in the same app and have built up a good SLQ score.
Fibe may suit you if you want the lower advertised rate and fee, or earn less than ₹40,000 a month.
Whichever you pick, compare the APR in the KFS you are actually offered, not the advertised starting rate.
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
What is CASHe’s SLQ score?
The Social Loan Quotient is CASHe’s own score. CASHe says higher tiers can get lower rates and that early repayment raises it.
Does CASHe charge for early repayment?
CASHe allows early repayment, but interest deducted at disbursal is not refunded. Fibe has nil foreclosure charges.
Are these lenders RBI-regulated?
The loans described here are given by RBI-registered NBFCs or banks named in the table. Check the lender named in your loan agreement on RBI’s digital lending app list.
Where do these figures come from?
From each company’s official website and, where noted, its Google Play listing, checked on 12 October 2026. Where a company’s own pages disagree, we show both figures.
Sources
Read more: CASHe app review · Fibe app review · All loan app reviews · Lender directory
More comparisons: KreditBee vs Moneyview · Moneyview vs Fibe · KreditBee vs Fibe · Kissht vs KreditBee · PaySense vs Moneyview · InCred vs Moneyview · LazyPay vs Kissht · Freo (MoneyTap) vs Fibe · Navi vs Moneyview · Stashfin vs Freo (MoneyTap) · Stashfin vs KreditBee · Zype vs Fibe · Olyv (SmartCoin) vs KreditBee · Branch vs KreditBee · True Balance vs KreditBee · Rupee112 vs Loan112 · HDFC Bank vs Bajaj Finance · Bajaj Finance vs Tata Capital · Muthoot Finance vs Manappuram Finance · HDFC Bank LAS vs ICICI Bank LAS · ICICI Insta FlexiCash vs Axis 24×7 FlexiCredit · Refyne vs Jify · All loan comparisons
Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.