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The description of PaySense: Personal Loan App

PaySense is a personal loan app that offers loans up to Rs.5 lakhs at attractive interest rates, zero collaterals, and flexible EMIs.

PaySense provides personal loans from Rs.5,000 to Rs.5,00,000 with an Annual Percentage Rate (APR) between 16% to 36% on a reducing balance basis.

PaySense is present in 180+ cities in India, including Mumbai, Bengaluru, Kolkata, Chandigarh, Chennai, and Delhi NCR.

Why Choose PaySense for Personal Loans
● Affordable interest rates
● Convenient and affordable EMIs
● Two-minute loan application
● Paperless documentation
● Loans available for those with low credit scores

Representative example: The standard processing fee is 2.5% of the loan amount.

For instance, if Anil takes a loan of ₹1 lakh for 24 months, he will be charged an APR of 24%. Also, he will be charged a processing fee of ₹2,500. So, Anil will pay his loan back in 24 EMIs of ₹5,391 each. He will pay total interest of ₹29,384. Hence, the total cost of the loan will be ₹1,31,884

Calculate your EMI with our EMI calculator on PaySense. The loan EMI calculator provides the freedom of deciding your own loan term and EMI amount.

Main Personal Loan Eligibility Criteria
● You must be a resident of India
● Your age must be between 21 and 60 years
● You must be based in any one of the 180+ cities we serve across India

Pre-Payment and Late Payment Charges

The loan tenure is anything between 3 and 60 months. EMI and interests are then calculated basis the tenure chosen.

Pre-payment is allowed after 6 EMI payments. The foreclosure charge is 4% +18% GST on the remaining principal amount.

The Late Payment Charges are ₹500 +18% GST (₹590) upon failure to pay the EMI on the fixed date.


PaySense has been identified amongst the Top 100 Fintech innovators in the world by a KPMG and H2 Ventures report

You can use the PaySense app for multiple purposes.

Personal Loan for Marriage / Weddings, New / Used Car and Two-Wheeler, Travel, Education, Medical Emergencies etc.

How to Apply for Instant Personal Loan Online?

● Install the PaySense online loan app
● Register and check your personal loan eligibility
● Provide KYC documentation like ID proof (Aadhar/PAN/Voter ID), address proof (Aadhar/Utility bills/Rental Agreement), income proof (bank statement) and a photograph.
● Sign application and get speedy approvals
● Once approved, the loan amount will be credited to your account


PaySense app is a platform that facilitates money lending by duly registered NBFCs or banks to users. The details of all registered NBFCs and banks who are partnered with us are mentioned below:
● PayU Finance India Private Limited("PayU Finance")
● Kisetsu Saison Finance India Private Limited
● HDB Financial Services Limited
● Fullerton India Credit Company Limited
● NorthernArc Capital Limited
● India Infoline Limited
● Aditya Birla Finance Limited

Security and Privacy Policy

PaySense personal loan app ensures safety via standard security and privacy standards to protect its database. Our app is safe and secure and we do not share customer information with third parties without consent.

Contact us

Drop us an e-mail: [email protected].
Tag us on Twitter: @gopaysense
Office Address: Jaivilla Dev Shakti, 49 Tilak Road, Navyug Colony, Santacruz West, Mumbai, 400054
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PaySense: Personal Loan App Varies with device APK for Android Varies with device+

Version Varies with device for Android Varies with device+
Update on 2022-08-19
Installs 10.000.000++
File size 12.501.146 bytes
Permissions view permissions
What's new We regularly update our app to provide you an awesome loan lending experience. To make sure you don't miss a thing, just keep your updates turned on.


  • Paysense App Download
    • The application can be easily installed by downloading from the play store. To download the application enter your mobile number.
    • An OTP with the downloading link will then be sent to the number.
    • Users can easily install the application by clicking on the link sent on the mobile number.
  • It is completely safe to get instant loans through Paysense as it protects your sensitive information through SSL encryption and does not share it with third-party marketers. It keeps your information safe for internal usage only, and guarantees that your usage experience is safe.
  • How to get Rs 200000 loan through Navi?
    • Download the Navi app on your Smartphone and simply register with your mobile number.
    • Click on 'Apply' on the home screen to start the loan application process.
    • In the next few screens, you would have to provide your information to complete the application.
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