Got questions? We have answers.

Never. Apollo Cash has a written code of conduct for its collections team that strictly prohibits contacting anyone in your network. No calls to your family, no messages to your colleagues, and no threatening language.

Yes. Apollo Cash uses proprietary ML models trained on 1.8 million loans to evaluate your profile. Your income, repayment capacity, and other factors all matter, not just your CIBIL score. If you're new to credit, on-time repayments can help build your credit profile over time.

No. Apollo Cash runs a soft inquiry when you check eligibility, which does not impact your CIBIL score. A hard inquiry is initiated only after you formally submit your loan application and accept an offer.

A personal loan application may be rejected because of low credit score, insufficient income, high existing EMIs, unstable employment, incomplete documents, incorrect KYC details, bank statement issues, or lender policy restrictions.

A Key Fact Statement is a summary of important loan terms, including loan amount, interest rate, APR, fees, repayment schedule, cooling-off period, penal charges, and grievance details.

Your EMI is calculated based on the loan amount, interest rate, and repayment tenure. A higher loan amount or shorter tenure can increase the EMI, while a longer tenure may reduce the EMI but increase the total interest paid.

The interest rate depends on your loan amount, tenure, credit profile, income, repayment history, and lending partner policy. Before you accept the loan, the app shows the applicable interest rate, processing fee, EMI, total repayment amount, and other charges in the loan offer or KFS.

No. Personal loans through Apollo Cash are unsecured loans. You do not need to pledge gold, property, fixed deposits, or any other collateral.

The process takes about two minutes inside the app.

1. Download Apollo Cash from the Google Play Store.
2. Allow permissions for a personalised offer.
3. Verify your PAN and Aadhaar via DigiLocker.
4. Add a few basic details to complete your profile.
5. Review your loan offer with amount, tenure, and EMI.
6. Set up AutoPay, eSign the agreement, and receive money in your bank.

Usually no. However, KYC details may be re-verified periodically based on eligibility. If that happens, you will be notified through the app, SMS, or email.

Yes. You can complete digital KYC through DigiLocker or UIDAI. In most cases, entering your Aadhaar number and verifying it via OTP on your Aadhaar-linked mobile number is enough to proceed.

Income proof is not mandatory for all customers. For certain higher loan amounts, depending on your credit profile, you may be asked to provide income details by securely linking your bank account through an Account Aggregator or by uploading a PDF bank statement.

Yes. Apollo Cash allows foreclosure, so you can choose to close your loan before the end of your tenure. Head to the repayment section in the app to initiate it and review the applicable terms before you confirm.

Missing an EMI can attract late payment charges, and the overdue amount may continue to accrue interest. Missed payments are also reported to credit bureaus and can negatively impact your CIBIL score for years.