Paisabazaar Logo - Compare loans and credit cards

PaySense Personal Loan

iconicon
Get Cashback of 1,000* on Loan Disbursal
Valid till 30th April '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Icon image of Hassle-Free Online Application

Hassle-Free Online Application

Icon image of Fully Paperless Documentation

Fully Paperless Documentation

Icon image of End-to-End Expert Assistance

End-to-End Expert Assistance

Icon image of Quick Approval and Disbursal

Quick Approval and Disbursal

Find Best Personal Loan Offers

Sort by:

HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

About PaySense Personal Loan

  • PaySense offers instant personal loans at competitive interest rates to fit all your needs.
  • When applicants apply through the Paisabazaar website they can experience a hassle-free online loan process and end-to-end expert assistance.
  • PaySense personal loans have a paperless documentation process and are collateral-free.
  • PaySense personal loans offer flexible repayment terms and affordable EMI options.
  • These personal loans have no hidden charges and come with quick approval and disbursals.

PaySense Personal Loan Highlights

Interest rate 1.4%- 2.3% per month
Loan amount Rs 5,000 to Rs 5 Lakh
Processing fee Up to 2.5% of the loan amount + GST

PaySense Personal Loan Interest Rates

PaySense Personal Loan interest rates range between 1.4% to 2.3% per month. The final interest rates offered to the loan applicant would vary according to the credit score, monthly income, job profile, employer’s profile, etc. of the loan applicant.

PaySense Personal Loan Fees & Charges

Processing fee Up to 2.5% of the loan amount + GST
Late payment charges Rs 500 + G.S.T
Foreclosure charges 4% charge on principal outstanding at the time of foreclosure.

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

Types of PaySense Personal Loan

Instant Personal Loan 

It is an instant personal loan for salaried professionals and self-employed business owners to meet their financial obligations.

Personal Loan for Salaried 

It is an unsecured loan for salaried individuals to meet their financial needs related to wedding, home renovation, medical emergencies, family function, etc.

Personal Loan for Self-employed

It is a collateral-free loan for self-employed individuals to raise finances for business expansion and working capital requirements.

Personal Loan for Marriage

It is an unsecured loan for financing wedding-related expenses.

Personal Loan for Travel and Holidays

It is a loan for meeting the financial needs related to travel/tour expenses.

Personal Loan for Medical Emergencies

It is an unsecured loan for funding medical emergencies.

Personal Loan for Home Improvement

It is a collateral-free loan for financing home renovation/improvement.

Consumer Durable Loan

Paysense offers consumer durable loans in the form of personal loans for purchasing consumer durable goods such as mobile, camera, laptop, television, washing machine and fridge.

Other Personal Loans

Paysense claims its personal loans as an alternative to education loans, low interest loans, flexible loans, fast loans, private loans, low salary personal loans, easy loans, money loans and small loans.

PaySense Personal Loan Eligibility Criteria

  • The borrowers should be residents of India.
  • Minimum age should be between 21 years to 60 years.
  • Employment type: salaried or self-employed.
  • Minimum monthly income for salaried should be Rs 18,000 and for self-employed should be Rs 20,000.

In addition to the above-mentioned eligibility criteria, PaySense may also consider the credit score, occupation profile, employer’s profile, etc of its personal loan applicants, as used by many lenders for evaluating the personal loan eligibility of their applicants.

While Paysense has not set any minimum cut-off criteria for EMI/NMI (Net Monthly Income) ratio, most lenders require the total EMIs of their personal loan applicants, including the EMI of their proposed personal loan, to be within 50-60% of their net monthly income. Thus, those planning to avail personal loans should use Personal Loan EMI Calculator to find out the optimum EMIs and loan tenures for their personal loan based on their repayment capacity while ensuring that their total EMIs remain within 50% of their net monthly income.

Documents Required for PaySense Personal Loan

  • Identity Proof—PAN Card and selfie.
  • Address Proof—Aadhaar Card, Voter ID, Passport or Driver’s License.
  • Income Proof—Net Banking or bank e-statements of the last 3 months.

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

FAQs

Paysense claims to offer instant personal loan to its applicants with poor credit score. This is because the lender considers various other factors, such as age, employment type and minimum salary while evaluating the eligibility of its applicants.

Yes, Paysense allows its applicants to take multiple personal loans at the same time as long as the overall loan amount is within the approved credit line.

Yes, you can apply for a joint personal loan with your spouse. This also increases the credit limit available to you.

Paysense claims to offer instant personal loans to those have recently switched their jobs. Such applicants need to submit their bank account statement for last 3 months along with their earlier employment history for personal loan eligibility check.

Paysense would deposit the personal loan amount directly into your bank account. You can withdraw the funds from that bank account as per your requirement.

quotes icon

What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

icon image of avatar
Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

icon image of avatar
Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

icon image of avatar
Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

icon image of avatar
DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

icon image of avatar
BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

icon image of avatar
Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

icon image of avatar
Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

icon image of avatar
Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

icon image of avatar
Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

icon image of avatar
Anuradha GuptaJan 21, 2026
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Knapsack with coins

Check Best Personal Loan Offers
with Quick Disbursal

Scroll to top