PaySense: Get Instant Loan Online up to ₹5 Lakhs

In Partnership with

We have partnered with India's leading Banks and NBFCs: PayU Finance India Private Limited, IDFC First Bank, Northern Arc Capital Ltd, Kisetsu Saison Finance (India) Private Limited, Fullerton India Credit Company Limited, HDB Financial Services Limited

PaySense affiliation HDB financial services

Do you think a personal loan needs too much effort ?

Getting a personal loan was never this easy

Instant personal loans

Get instant personal loans from ₹5000 to ₹5 lakh to fit all your needs and dreams

Quick Approvals & Disbursals

Get prompt loan approval and money in your account

Paperless Documentation

Upload pictures of you KYC documents and sign your loan application digitally

Affordable EMI plans

Easy to manage EMI plans with reminders and auto-debit features so that you don’t miss out on timely payments

One-click subsequent personal loans

Need another loan from PaySense? With one-time documentation, it’s just a click away. No further checks required

Zero Credit History

Never taken a personal loan previously? It’s okay - we serve the users who are new to credit and lending system.

It just takes three simple steps to get an instant personal loan online!

Check eligibility and select a personal loan plan

Fill in a few basic details to check your eligibility for PaySense instant personal loans and get a Credit Line. A Credit Line is the total amount of loan you can get from PaySense. Once you get your Credit Line, you can choose the loan amount. Choose the best combination of loan duration and EMIs to select your loan plan.

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Upload KYC Documents

To get your personal loan approval, you have to upload a few documents to complete your KYC. You are also required to sign the loan agreement and a NACH form to enable auto-deduction of EMIs. NACH stands for National Automated Clearing House is a centralised web-based payment system, regulated and supervised by Reserve Bank of India (RBI) for bulk money transactions. NACH form ensures that you don’t miss on your EMI payments and impact your credit score negatively. The best part – the entire process is paperless. Once you upload all required documents, you get an approval within 2 working hours.

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Get your money

Once your personal loan is approved and the application procedure is complete, your money will be directly transferred to your account quickly. It is that easy to get instant personal loan with Gopaysense.

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Check eligibility and select a personal loan plan

Calculate your EMI

Now get a personal loan on your own terms with flexible EMI and tenure options from 3 to 60 months to take control of what & when you pay

Loan Amount

₹1,30,000Edit

₹5,000

₹1,30,000

₹5,00,000

Loan Term

ROI

EMI (per month)

Total interest

*The tenures shown here are indicative. Actual tenures may vary depending on your eligibility.

*The ROIs shown here are indicative

See EMI Plans

Sample Calculations

Loan Amount

₹1,00,000

Loan Tenure

24 months

Processing fee (3% + GST)

₹3,540

EMI

₹5,905

Total interest charged

₹41,714

ROI(per month)

The standard processing fee is 3% of the loan amount

Are you eligible for a personal loan?

To be eligible to get a personal loan from PaySense, you should fulfil the following eligibility criteria

Resident of India
Age: 21 years to 60 years
Employment Type: Salaried and Self-employed
Minimum Monthly Income: ₹ 18,000 for salaried and ₹ 20,000 for self-employed
Location: 180+ cities | 4000+ Pincodes. SeeAvailability

What are the documents required?

To get a personal loan instantly, you should keep some documents handy before you start applying.

Proof of Identity
PAN Card & Selfie
Proof of Address
Aadhaar card, Voter ID, Passport or Driving License
Proof of Income
Net-Banking or last 3 months bank e-statements

Over 2,56,664 loans disbursed-happy customers

With a continously growing community of happy customers we are disbursing more loans every minute.

I was really in need of money and you guys saved me. I cant thank you guys enough.. excellent app awesome customer care..I am surely gonna recommend this app to my friends as well.
Vinayak Salian, Mumbai
My experience with paysense has been a seemless and a good one. Paysense helped a lot in clearing of my bills and at an affordable rate which i can manage per month. I would highly recommend this to my friends. Happy Paysensing 😁
Prateek Choudhary, Mumbai
Excellent Service. Better than Banks ...easy documenation and less paper works and team also very supportive. I would suggest go for this app instead of any banks for loans
Ranjan H S, Mumbai
This is my 1st ever app review and Paysense has earned it. They kept their word and within 5 hrs of my application I got my loan amount on my account. This was crazy, no hassle at all. Working at office and getting the loan done was like a magic
Clement Rajesh, Mumbai
I want to say you many many thanks to your app and your team. You are best loan provider and I wanna be your long time user/customer. Your customer support is awesome and loan process is excellent.
Alok Pandey, Mumbai

Download the PaySense App

Enjoy a faster & easier loan application process with our Android App

Disbursed till date

App Downloads

Loans Disbursed

We offer personal loans in all the major cities across India

Available in 300+ cities

As featured in

With a continously growing community of happy customers we are disbursing more loans every minute.

Apply for loans of upto ₹5 lakhs easily using your phone or laptop, and pay back on low EMIs

Get a Personal Loan Now

Make It Happen. Now!

Get Personal Loan up to ₹5 Lakhs Easily and Quickly

Getting a personal loan was never this easy

It just takes three simple steps to get an instant personal loan online!

Over 2,56,664 loans disbursed-happy customers