PaySense Personal Loan

Hassle-Free Online Application

Fully Paperless Documentation

End-to-End Expert Assistance

Quick Approval and Disbursal

Hassle-Free Online Application

Fully Paperless Documentation

End-to-End Expert Assistance

Quick Approval and Disbursal

Google Play Store

4.5_/5

15.5L Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Apply Personal Loan Online

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy

Google Play Store

4.5_/5

15.5L Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

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 Fee₹ 6,500

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

Kotak Mahindra Bank

Lowest Income requirement100% Digital Process*

Max Loan Amt.Upto ₹25L

Rate of Interest9.98% - 17.2%

Tenure upto1-5 Years

Processing Fee1.1% - 1.5%

Quick Links

PaySense Personal Loan Highlights

Interest Rates

Fees and Charges

Types

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

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

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

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

Explore Our Personal Loan Lenders

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.

Personal Loan Articles

Importance of No Dues Certificate in Personal Loan Closure

Paisabazaar02 Sept 2025

Loan rejected despite high income? Here’s what you need to know

Paisabazaar19 Aug 2025

Personal Loan for First Time Borrowers: What Customers Must Know

Paisabazaar04 Aug 2025

How I Saved Rs 22,000 on My Personal Loan through Prepayment

Bhumika Khandelwal31 Jul 2025

How Have Personal Loans Advanced Over the Past few Years

Paisabazaar17 Jul 2025

Factors To Consider While Selecting a Personal Loan Lender

Paisabazaar16 Jul 2025

Instant Personal Loan Apps: Avoid These 5 Pitfalls

Bhumika Khandelwal16 Jul 2025

Reasons for Delay in Personal Loan Processing

Paisabazaar09 Jul 2025

APR vs Interest Rate in Personal Loans: What’s the Difference?

Bhumika Khandelwal07 Jul 2025

Tips to Choose an Ideal Personal Loan Tenure

Paisabazaar07 Jul 2025

View All Articles

What our customers say

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

Bilal ZaidiDec 9, 2025

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

Suraj VermaDec 3, 2025

View All Testimonials

Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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

*Applicable for selected customers

Talk to Expert

Download the
Paisabazaar App Today!

PaySense Personal Loan