Consumer Durables Loan

Say hello to a life of comfort

Get Instant Consumer Durables Loan up to ₹5 Lakhs Easily

100% Safe & Secure

Instant Process

It was great experience with paysense. It has really come out as a true digital lender. I wanted money to make for home decor changes and I am impressed with the way they have processed the loan for...

Upgrade consumer durables for your home with easy EMIs

Upgrade your lifestyle by upgrading your home with latest furniture, decor, home appliances and other consumer durables that add to your comfort and convenience. At PaySense, you can apply for an instant personal loan for consumer durables of up to ₹5 lakhs with a simple application, minimal documentation and quick approval. The loan amount is directly transferred into your bank account, and auto-deduction of EMIs ensures easy management of loan.... +more

Do you think a loan needs too much effort ?

Getting a loan was never this easy

Instant 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

Easy Collection of Documents

Doorstep collection of documents; just sign & hand over the required documents to the courier

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 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 loan previously? It’s okay - we serve the users who are new to credit and lending system.

It just takes three simple steps !

Check eligibility and select a loan plan

Fill in a few basic details to check your eligibility for PaySense instant loans and get a Credit Line. A Credit Line is the total amount of loan you can get from PaySense. To maintain EMIs better, it is recommended that you take a loan of only up to 50% of your approved line of credit. 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.... +more

Upload KYC Documents

To get your 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.... +more

Get your money

Once your loan is approved and the application procedure is complete, your money will be directly transferred to your account quickly... +more

Check eligibility and select a loan plan

Things to Know

Now get a loan on your own terms with our flexible EMI options and take control of what & when you pay

Eligibility Criteria

Documents Required

Credit Score

EMI Calculator

Eligibility Criteria

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: ₹ 12,000 for salaried and ₹ 15,000 for self-employed
Location: We are active in 40+ cities. See Availability

Documents Required

Which documents are required to get a personal loan?

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

Proof of Identity
PAN Card or Aadhaar Card
Proof of Address
Aadhaar card, Rental agreement, Utility or Postpaid bills
Proof of Income
Last 3 months bank Statements
A Selfie

Credit Score

What is a good credit score required to get a personal loan?

Have you ever been to a bank for a personal loan and got rejected because your credit score was low? Yeah, we get you! Credit Score is a 3-digit number on which banks and NBFCs (Non Banking Financial Corporations, such as loan and insurance companies, co-operative banks, stock broking firms, etc.) evaluate your capacity to pay the loan on time.

Range

Grade

0 or -1

No Credit History

300 - 550

Bad

551 - 649

Poor

650 - 699

Fair

700 - 749

Good

750 and above

Excellent

EMI Calculator

Calculate your EMI

Now get a personal loan on your own terms with our flexible EMI options and take control of what & when you pay.

Loan Amount

₹1,30,000Edit

₹ 5,000

₹ 1,30,000

₹ 2,00,000

Loan Term

EMI (per month)

Total interest

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

See EMI Plans

Over 1,50,000 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

Approved last week

We offer personal loans in all the major cities across India

Available in 43+ cities

Ahmedabad
Anand
Bengaluru
Bharuch
Bhopal
Chandigarh
Chennai
Coimbatore
Faridabad
Gandhinagar

Ghaziabad
Goa
Guntur
Gurgaon
Hyderabad
Indore
Jaipur
Jodhpur
Kolkata
Kota

Medak
Mehsana
Mohali
Mumbai
Mysore
Nagpur
Nashik
Navi Mumbai
Nellore
and many more

loans available in major cities in india

Frequently asked Questions

Now get a loan on your own terms with our flexible EMI options and take control of what & when you pay

About PaySense

Loan Eligibility

Loan Application Process

Fees and Charges

Loan Repayment

User Security

Customer Support

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

Download App