Insta Personal Loan Up to 15 lakhs
Disbursed in Just 15 Minutes!
Boost Your Business Instantly!
Get up to 200% on Car Value
Need Quick funds for Business expansion?
Fast, Easy & Hassle-Free
Thinking of Buying a Used Car?
Get up to ₹25 Lakhs Collateral Free Loan within Minutes!
About Penny Cache
At Penny Cache, we specialize in offering customized financial solutions, including Car Loans, MSME Loans, Personal Loans, and Business Loans tailored for individuals and businesses across Kerala.
With over 20 years of industry experience and the trust of 1,500+ satisfied customers, we bring unmatched expertise and a deep understanding of the local financial landscape.
Our mission is to make loan processing seamless, transparent, and hassle-free. Whether you're looking to expand your business or need quick personal funding, our team of financial experts will guide you in selecting the right financing option that suits your unique needs and budget.
All loans are arranged through a paperless digital process by leading National, Private and NBFC Banks, ensuring speed, security, and convenience at every step
We ensure
Fast loan approvals in just 30 minutes
Competitive interest rates
Clear and transparent terms
Personalized customer support
Our Services
Car Loan
Own your dream car with our easy and affordable car loan options. Enjoy quick approvals, low interest rates, and convenient EMIs tailored to your budget.
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Personal Loan
Our personal loans offer quick financial support for your immediate needs, whether it's for medical expenses, education, or home improvements. With minimal documentation and flexible repayment options, getting funds is fast and hassle-free.
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Business Loan
Fuel your business growth with our customized business loans designed for startups, SMEs, and established companies. Get access to working capital or expansion funds with competitive rates and fast approvals.
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MSME Loans
Empowering Micro, Small, and Medium Enterprises with loans designed to meet operational, infrastructure, and growth needs. We provide financial support that helps local businesses scale faster and stronger.
Get a loan now1,500+
Satisfied Customers
20+
Years of Experience
2
Branches in Kochi
15+
Associated Banks
Faq's
What types of loans do you offer?
We offer a range of loans including Personal Loans, Business Loans, Car Loans, MSME Loans, and Refinance options tailored to individual and business needs.
How long does it take to get loan approval?
Loan approvals are processed quickly—typically within 30 minutes, depending on document verification and eligibility.
Is collateral required for these loans?
Most of our loans are collateral-free, especially personal and business loans, making it easier for individuals to access funds without risking assets.
What documents are required to apply?
Basic KYC documents like ID proof, address proof, income proof (salary slips or bank statements), and vehicle documents (for car loans or refinance) are required.
How can I apply for a loan?
You can apply 100% online through our website or contact our customer support team for assistance. The process is simple, fast, and paperless.
Scan the QR Code to Check Your Loan Eligibility Instantly!
What Our Customers Feel About Our Services!
"I couldn't be happier with the loan services provided by Penny Cache. The 200% loan-to-value ratio on my car exceeded my expectations, giving me the financial boost I needed. The process was incredibly smooth, and the team was always there to guide me. I highly recommend Penny Cache to anyone looking for the best deals on car loans."
Sreeraj
"Securing a loan on my car with Penny Cache was a game-changer for me. Their extensive network of lenders ensured I got the most competitive interest rates in the market. The approval process was swift, and the team's professionalism was commendable. Thanks to Penny Cache, I'm now in control of my finances."
Akhil Kumar
"I had been exploring options for a car loan, and Penny Cache came highly recommended. They didn't disappoint. The hassle-free application process and the flexibility in repayment options were exactly what I needed. Knowing that I can continue to use my car while repaying the loan was a huge relief. I'm grateful to Penny Cache for making this process so easy."
Priyesh
