How Apollo Cash works
01
Allow permissions
Open the app and grant a few permissions. We use these to fetch your profile and give you a personalised offer — no forms, no uploads.
20 seconds
02
Verify PAN & Aadhaar
Digilocker-based eKYC. Government verified, tamper-proof, and it all happens right inside the app — no documents to scan or courier.
60 seconds
03
Get your loan offer
See the exact amount, tenure and EMI you’re approved for. One clean screen, no surprises, no fine print.
Instant
04
Money in your bank
Set up AutoPay, eSign your agreement, and the money lands directly in your bank account via IMPS.
~2 minutes total
Who can apply
Nationality
Indian Resident
You must be a resident Indian citizen with a valid Aadhaar-linked mobile number.
Age
21 – 58 years
Open to salaried individuals, self-employed, and small business owners within this age range.
Documents needed
PAN + Aadhaar
That’s it. No salary slips, no bank statements, no physical documents to scan or courier.
Credit score
Not the only factor
We use our own ML model trained on 1.8M+ loans. A low bureau score doesn’t automatically mean a no.
Why Apollo Cash
Your credit score is a starting point — not the final word. Our lending system is trained on over 1.8 million loans and looks beyond a single score to find borrowers who deserve a yes. For a lot of people, that’s a chance they weren’t getting elsewhere.
Every loan repaid on time strengthens the trust between us — and your eligibility for more. Your credit limit grows automatically with each successful repayment. No forms to fill, no calls to make. Just show up, repay on time, and the app takes care of the rest.
Medical bills, overdue rent, a trip home, a phone that won’t turn on. We assess whether you can repay — not why you’re borrowing. That part is yours.
When you borrow from us, you’re borrowing from us. Not a broker. Not a network of lenders you’ve never heard of. Apollo Finvest puts up the money, handles your account, and answers for everything. One name on your loan agreement — ours.
Questions about your loan, your EMI schedule, or your statement? Our support team is reachable inside the app — no branch visits, no hold music, no being passed around.
Our promise to you
Real borrowers, real stories
4.4 · Google Play Store
Reviews from verified borrowers
Needed ₹12,000 urgently for my mother’s medicines. Got the money in under 3 minutes. No one called me, no documents asked. Just done.
Rajan M.
Pune · ₹12,000
✓ Verified
Every charge was shown before I signed. ₹20,000 loan and I knew exactly what I’d repay on day one. No surprises at all. That’s rare in this space.
Priya S.
Mumbai · ₹20,000
✓ Verified
Apollo Finvest is listed on the stock exchange — I checked before borrowing. Two loans later, I trust them completely. Feels very different from other apps.
Ankit V.
Delhi · Repeat borrower
✓ Verified
Applied at 11pm for a rent emergency. Money was in my account before midnight. Couldn’t believe it. This is what a real fintech should feel like.
Suresh K.
Bangalore · ₹8,000
✓ Verified
Other apps called my dad when I was a day late. Apollo Cash never did that. Their team is professional and their recovery process is respectful. I’ll always come back.
Manisha T.
Hyderabad · ₹15,000
✓ Verified
Got a bonus and decided to pay off my loan early. The process was straightforward — did it all inside the app in a few taps. No branch visit, no paperwork.
Karthik R.
Chennai · Pre-closed loan
✓ Verified
Process was smooth. Just Aadhaar and PAN and I was done. The app is clean and easy to use, not confusing at all. Got ₹5,000 in about 4 minutes.
Divya N.
Kolkata · ₹5,000
✓ Verified
I’ve taken 5 loans from Apollo Cash now. Every time seamless. My credit limit went up each time because I repaid on time. They reward you for being responsible.
Vijay P.
Ahmedabad · 5× borrower
✓ Verified
Very simple. Download, enter Aadhaar, enter PAN, take a selfie, pick the amount. Done in literally 2 minutes. The money arrived before I finished my tea.
Neha G.
Jaipur · ₹10,000
✓ Verified
I’m a delivery partner, income is irregular. Apollo Cash still approved me. The EMIs are small and the repayment reminder is helpful. Doesn’t feel like a burden.
Rahul D.
Lucknow · ₹6,000
✓ Verified
Why Apollo is different
We are a 40+ year-old company listed on the Bombay Stock Exchange — our financials, leadership and filings are all public. Most other digital lenders are barely a few years old. Don’t take our word for it; verify everything about us online in minutes.
BSE: APOLLOFIN · Est. 1985 · Competitors: 2015–18
A majority of Apollo Cash loans are taken by people who’ve borrowed from us before. Repeat borrowing is the clearest signal of trust — people only come back when the experience was honest, fast, and hassle-free the first time.
Majority of loans are repeat borrowers
Our agents will never call your family, friends, or colleagues. No threatening language, no late-night calls. This is our documented code of conduct — filed with the RBI and available on this website.
RBI Fair Practice Code compliant
Apollo Finvest is the lender — not a marketplace routing your application to other NBFCs. When we approve you, the money comes from us, directly to your bank. One disbursal. One party accountable to you.
Direct NBFC lender — not a broker or aggregator
Got questions
Who is eligible for an Apollo Cash loan?
How much can I borrow, and for how long?
What are the charges? Are there any hidden fees?
How quickly will I get the money?
What documents do I need?
How do I repay my loan?
Will this affect my CIBIL score?
Is Apollo Finvest a legitimate lender? How do I know it’s safe?
Have more questions? We’ve got answers.
View all FAQs