PaySense: Personal Loan App | PaySense Buy Loan

 PaySense is one of India's top-ranking best personal loan apps, with over 10 million happy customers.

With Flexi EMI options, zero collaterals, and affordable interest rates, PaySense offers personal loans from ₹5,000 to ₹5,00,000 with an Annual Percentage Rate (APR) between 16% to 36% on a reducing balance basis.
PaySense: Personal Loan App | PaySense Buy Loan

With a presence in over 500+ cities in India, it is among the most secure and simple ways to get a quick online loan from the convenience of your home and smartphone.

Why Choose PaySense for Personal Loans

Simple application process - takes 2 minutes, that is quick and easy to sign-up!
Low and Affordable Interest Rate - Instant Loans are available for even those with low credit scores.
Easy, manageable, and affordable EMIs - Choose your repayment option.
Full Transparency - Complete transparency with no hidden costs.
Easy and Convenient access 24/7 - Apply anytime and anywhere
Zero Collaterals and Paperless - Submit the required documents online on the app and no office visits are required.
Quick online loan disbursement upon approval - Loans get approved within minutes on our loan app.


The PaySense loan app is a platform that facilitates money lending by duly registered NBFCs/banks to users. The details of all registered NBFC/bank partners are mentioned below:

● PayU Finance India Private Limited("PayU Finance")
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● Kisetsu Saison Finance India Private Limited
● Fullerton India Credit Company Limited

Types of Loans Offered

● Personal Loan for Marriage / Weddings,
● New/Used Vehicle Loans (4-Wheeler and 2-Wheeler Loan)
● Consumer Durable Loans
● Travel Loans
● Student and Education Loans
● Medical Emergency Loans

Representative example:

Personal Loan Amount: ₹1,00,000
Tenure: 24 months
APR: 24%
Equivalent Monthly Interest Rate: 3%
Processing Fee: ₹3,000*
Interest: ₹26,891
EMI: ₹5,391
Total repayment amount: ₹1,32,297

Calculate your personal loan EMI with our personal loan EMI calculator. The EMI calculator provides the freedom to decide your own personal loan term and EMI amount.

Personal Loan Eligibility

● You must be a resident of India
● You must be 21-60 years of age
● You must be based in any one of the 500+ cities we serve across India

Pre-Payment and Late Payment Charges

● The personal loan tenure is anything between 3 and 60 months. EMI and interests are then calculated on the basis of tenure.
● Pre-payment is allowed after 6 EMI payments. The foreclosure charge is 4% +18% GST on the remaining principal amount.
● The Late Payment Charges are ₹500 +18% GST (₹590) upon failure to pay the EMI on the fixed date.

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Steps to Apply for an Instant Personal Loan

1. Install the PaySense personal loan app
2. Register and check your instant personal loan eligibility
3. Provide KYC documentation like ID proof (Aadhar/PAN/Voter ID), address proof (Aadhar/Utility bills/Rental Agreement), income proof (bank statement), and a photograph.
4. Sign the application and get speedy approvals
5. Once approved, the personal loan amount will be credited to your account

Security and Privacy Policy

We at PaySense take our customer’s privacy very seriously. We ensure absolute safety via standard security and privacy standards to protect its database. Our online loan app is safe and secure, and we do not share customer information with third parties without consent.

Contact us
Tag us on Twitter: @gopaysense
Office Address: Jaivilla Dev Shakti, 49 Tilak Road, Navyug Colony, Santacruz West, Mumbai, 400054
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