PaySense and LazyPay, PayU’s consumer lending business, merge to build a full-stack digital lending platform in India.Learn morehttps://corporate.payu.com/news/payu-consolidates-india-digital-credit-offering/

Unsecured Loans

No Collateral. No Securities. No Questions.

Get Unsecured Personal Loans up to ₹5 Lakhs

100% Safe & Secure
100% Safe & Secure
Instant Process
Instant Process
Get Unsecured Personal Loans up to ₹5 Lakhs
Use the EMI Calculator to check plans

Loan Amount

1,30,000Edit
₹5,000
₹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  
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Great app. It does what it says and can be of very help to get personal loans. It’s absolutely wonderful. Looking forward to have a long term association with you guys.
Secured and unsecured are two different types of loans available in India. With a secured loan, you are required to pledge collateral or security. In case of a default, the lender will have the right to dispose off your security in order to recover the unpaid dues. There are many different types of secured loans in India, such as car loan, gold loan, and home loan. Apart from these popular options, there are also other types of secured loans that allow you to pledge many different types of collateral for taking the loan. Many different types of investments and assets can be used as collateral for such loans.However, what if you don’t have collateral and still need a loan? An unsecured loan from PaySense can be a great option in such cases. No matter if you need funds for a medical emergency, wedding expenses, purchasing the latest gadget, home renovation, or international vacation, our unsecured loans are ideal for each of your emergency funding needs. We understand that there are several instances in life when you might need quick access to funds. At such times, arranging collateral in order to take a secured loan might not be the most practical option.Our quick unsecured loans that come with easy documentation and instant approval, are a perfect fit for such occasions. The eligibility requirements are minimal to make sure that more people are eligible for unsecured loans of up to ₹5 lakhs. With a simple 3-step application process and flexibility to apply from our mobile app and online portal, rest assured that you will experience a revolutionized borrowing process which is quick, hassle-free and secure. Moreover, this unsecured loan convenience doesn’t come at a very high price. At PaySense, our interest rates are one of the lowest in the industry, and the repayment tenure too is highly flexible. This ensures that you can comfortably repay the loan in fixed monthly EMIs without any financial crunch. As our services are currently available in more than 43 cities, you are never too far from a quick unsecured loan from PaySense.
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Do you think a personal loan needs too much effort ?

Getting a personal loan was never this easy

Instant personal loans
Instant personal loans
Get instant personal loans from ₹5000 to ₹5 lakh to fit all your needs and dreams
Quick Approvals & Disbursals
Quick Approvals & Disbursals
Get prompt loan approval and money in your account
Paperless Documentation
Paperless Documentation
Upload pictures of you KYC documents and sign your loan application digitally
Affordable EMI plans
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
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
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!

1
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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2
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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3
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 planUpload KYC DocumentsGet your money

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 options

Eligibility Criteria

Documents Required options

Documents Required

Credit Score options

Credit Score

EMI Calculator options

EMI Calculator

Over 2,56,664 loans disbursed-happy customers

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

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

Disbursed till date

App Downloads

Loans Disbursed

Frequently asked Questions

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

General Questions
About PaySense
Loan Eligibility
Loan Application Process
Fees and Charges
Loan Repayment
User Security
Customer Support
Others
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Is it difficult for a self-employed individual to get an unsecured loan?

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I took a loan from PaySense in the past and repaid it on time. I am looking for another loan now. Do I need to go through the application process again?

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Can I take an unsecured loan for managing my monthly expenses?

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What is the maximum repayment tenure of an unsecured loan?

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Can I get a NOC (No Objection Certificate) after repaying a PaySense loan?

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I am already repaying a loan. Can I get a new unsecured loan from PaySense?

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Are there any hidden fees?

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Will I ever be required to visit PaySense office with regards to the loan?

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Can I foreclose the loan?

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Can an unsecured loan affect my credit score?

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What is PaySense?

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Which banks and NBFCs have you partnered with?

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Is taking a personal loan a good idea?

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What is the maximum amount of personal loan I can get from PaySense?

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What can I use my personal loan for?

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How would PaySense personal loan impact my credit score?

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Am I eligible for a PaySense personal loan?

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I am self-employed. Will you give me a PaySense personal loan?

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I have zero credit score. Will you give me a PaySense personal loan?

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How do you decide my credit line?

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I need a loan of higher amount than you approved. Can my credit line be changed?

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What documents are required to get a PaySense personal loan?

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How do I apply for a PaySense personal loan?

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How much time would it take to complete my loan application once I have installed the app?

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How much time would it take to get the loan approval once I have completed the loan application?

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After uploading all the documents, why was my loan application rejected?

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When can I get my money after loan approval?

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Are there any hidden fees?

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How much processing fees do you charge?

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How much interest rate do you charge on personal loans?

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Are there any extra charges on late payments?

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What are loan foreclosure / pre-payment charges?

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How can I pay back my loan?

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What is a pre-EMI?

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Can I reschedule my EMI date?

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What happens if I miss my EMI on due date?

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While paying my EMI, the amount was deducted from my bank account, but it’s not showing on the PaySense app. Where did my money go?

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I want to close my loan earlier than the schedule loan tenure. What is the loan foreclosure process?

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What happens if I don’t pay back?

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My loan has been paid successfully. How do I get my No Objection Certificate (NOC)?

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Is PaySense safe?

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You ask for my internet banking details? How safe is it?

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I had checked my credit line from PaySense earlier but uninstalled the app. Now that I need a loan, do I have to start a fresh application?

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My loan application process is incomplete, but my phone got switched off. Do I have to start the application process again?

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I am getting a “Signature not verified” error after e-signing a document. What do I do?

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My netbanking access has been temporarily disabled. What do I do?

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How do I update my contact details (mail ID, phone number, address) in my PaySense account?

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How can I contact your team if I need any assistance?

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When will you support iPhone and Windows phones?

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Unsecured Loan Industry in India

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Why Should You Consider an Unsecured Loan?

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Types of Unsecured Loans in India

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Points to Remember When Taking Unsecured Personal Loan

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