FinCash

Vanshine Technology Private Limited

About this app

Unexpected expenses can happen anytime—whether it’s a medical emergency, tuition gap, or business need. With FinCash, you can easily get loans without collateral.

1.Why Choose FinCash?
(1)Fully Digital Process: Apply, get approved, and manage your loan entirely on your mobile device—no paperwork, no branch visits, and zero hassle.
(2)Military-Grade Data Encryption: Your sensitive information, such as NID details, is automatically protected and masked using cutting-edge encryption to prevent leaks and ensure privacy.
(3)Transparency: We guarantee no hidden charges—every fee and interest amount is clearly visible in real-time, so you always know exactly what you’re paying.

2.Your Security and Peace of Mind, Guaranteed
FinCash is operated by BD-Vanshine Technology Private Limited (COI-No. C-175596/2021), a fully registered company in Bangladesh. We are committed to providing safe, transparent, and responsible lending services tailored for you. Your personal data is always protected by advanced encryption and strict privacy policies. We adhere to all local financial regulations to ensure your experience is secure from start to finish.

3.Transparent Interest Rates & Easy Loan Calculations
At FinCash, we are committed to providing microloans in Bangladesh with honesty and full transparency. Our interest rates and fees follow all national regulations, including the guidelines set by the Microcredit Regulatory Authority (MRA). As a registered MFI, we offer loan terms ranging from 90 to 120 days, with a daily interest rate of 0.06%. Our maximum Annual Percentage Rate (APR) is capped at 21.9%, and we ensure that our annual interest rate never exceeds the regulatory limit of 24%.

Example Loan Calculation：
Let’s look at a sample scenario to show you exactly how your repayment is calculated:
Loan Amount: ৳10,000
Loan Term: 100 days
Calculation:
Interest: ৳10,000 × 0.06% × 100 days = ৳600
Amount Payable:৳10,000+৳600= ৳10,600

You will see these details clearly displayed in the app before you confirm your loan. Our goal is to ensure you always know exactly what you’re paying, helping you make informed financial decisions.

4.How to Apply for a Loan 
Getting a loan with FinCash is quick and secure. Simply download the FinCash app and create your account using your mobile number. Fill in your personal details and upload a valid government-issued ID (such as NID, passport, or driver’s license) for secure verification. Our automated system will review your information promptly. Once your application is approved, the loan amount is sent directly to your preferred bank account or mobile wallet. With FinCash, you can complete the entire process in minutes and access funds when you need them most.

5.Contact Us
For any concerns, our support team is ready to assist at [e-mail]. With FinCash, you can borrow with confidence and trust.

Ratings and reviews

I downloaded the FinCash app hoping for a quick and secure loan process, but it turned out to be a complete scam. The app collects your personal information (contacts, photos, location) and then bombards you with threatening messages if you even browse loan options. Their customer service is non-existent, and once they get your data, there's no way to remove it. They advertise low interest rates, but after applying, the hidden fees and short repayment windows make it nearly impossible to repay

Very bad experience, I just clicked the amount it's automatically sent into my account. They showed they will provide me 1000BDT but I got only 600BDT. rest of the amount was the app charge , where they said no hidden charge. No options to extend date also they took 40% extra amount just for 1 week.

It's a trap. Although they show 2500 loan apply but they will give you 1500 tk instead of 2500 for 7 days. And they demand 1000 tk service charge. If you fail to provide the service charge amount 1000tk. in due time they will disturb you either by call or sending text. They will take all of your information while you apply for the loan. So, beware of it.

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