Cash Plus is a Kosovo‑based fintech that provides fully digital, end‑to‑end loan services, allowing customers to apply for credit online 24/7 and receive approval within seconds. Its product range includes fast‑track micro‑loans up to €400 and personal loans up to €5,000, with funds transferred to the borrower’s bank account in minutes, all without requiring physical documents or co‑borrowers.
Funding
Funding not disclosed
Founders
Product
Problem
Many consumers in Kosovo lack quick, convenient access to small‑to‑medium personal loans because traditional banks require in‑person visits, extensive paperwork, and lengthy approval times, which can delay needed financing.
Solution
Cash Plus provides a fully digital, end‑to‑end credit platform that lets eligible users apply for loans online at any time. An automated credit‑scoring engine evaluates applications instantly, and eIDAS‑compliant electronic contracts are signed without physical documents. Approved funds are transferred to the borrower’s bank account within minutes. The service offers two main products: a Super Express Cash loan up to €400 with repayment up to 180 days, and a Personal Credit loan up to €5,000 with repayment up to 48 months. All steps—from application to disbursement—are handled through a mobile app or web portal, delivering a fast, paper‑free experience.
Target Audience
Cash Plus targets individual consumers in Kosovo aged 20 years and older who need fast, unsecured personal financing for everyday expenses or longer‑term investments.
Features
- Fully online application process available 24/7 via mobile app or web portal
- Automated credit assessment delivering approval decisions in seconds
- eIDAS‑compliant electronic contract signing eliminating the need for physical paperwork
- Instant fund transfer to any Kosovar bank account after approval
- Super Express Cash product: up to €400, repayment up to 180 days, no documents or co‑borrower required
- Personal Credit product: up to €5,000, repayment up to 48 months, no additional documentation needed
- Licensed as a non‑bank financial institution by the Central Bank of Kosovo, ensuring regulatory compliance