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PaySense Personal Loan

PaySense offers personal loans at interest rates of 1.4% to 2.3% per month for Rs 5,000 to Rs 5 Lakhs. It provides instant personal loans to salaried and self-employed business owners with flexible EMI options and digital KYC documentation. PaySense also offers personal loans to people with no credit history,

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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 ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
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%

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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

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 3% 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.

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.

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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

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FAQs

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What our customers say

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Great Customer support and response

Quick and efficient support team of Paisabazaar. Proper knowledge of product and good customer relationship by Abhishek Singh.

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ABhisekh BordoloiSep 21, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025

Feedback - Customer support

I recently received a quick loan through PaisaBazaar, and I want to sincerely appreciate the excellent customer support I received from Ms. Abhinaya ( Customer EW33882) During a critical financial situation, her guidance and support were truly exceptional. She was patient, professional, and empathetic throughout the process, making sure I understood everything clearly and felt confident in my decisions. Thank you, Ms. Abhinaya, and PaisaBazaar, for being there when I needed it most.

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EZAKIEL BSep 18, 2025

Exceptional Support During Loan Process

I’m writing to express my sincere appreciation for Mohammad Shazeb (Employee Code: EW33348) for the excellent support he provided during my recent loan process. There was a complication with the KYC verification, and Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly.

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Abhishek ThakurSep 1, 2025

Outstanding Assistance from Ms. Seema Kumari

I would like to express my sincere appreciation for Ms. Seema Kumari (Employee ID: EW32347) for her exceptional support in helping me secure a personal loan.

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Abdul ShaikhAug 23, 2025

Excellent Support and Guidance from Ms. Yashi Saxena

I had the opportunity to interact with Ms. Yashi Saxena (Employee Code: AW22197) while applying for a loan from Poonawalla Fincorp. I am extremely satisfied with her guidance, support, and professionalism throughout the process. She explained each step very clearly, helped me understand the details, and ensured that the process went smoothly. Her assistance made my loan journey hassle-free.

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Jitendra WaskelAug 14, 2025

Loan from paisabaAar

Get a personal loan from paisabaaz customer support is very supportive loan disburse in 2 days thanks team

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DeeptiAug 2, 2025

Compare and Applied

Hi, I can easily choose the right loan offers for me with the help of Paisabazaar. Previously, I tried fincover for the same, but I can decide while checking with you. Thank you

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ajayJul 24, 2025
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