Instant Personal Loan App - PaySense

India’s top loan app to get an instant personal loan at lower interest rates.

The PaySense app allows you to apply for instant personal loans of up to ₹5 lakhs at attractive interest rates, zero collateral, and flexible EMIs. We have partnered with IIFL and Fullerton for disbursing personal loans.

5 Million+ users have already installed the PaySense app to get an urgent personal loan for emergency cash requirements like marriage expenses, buying a two-wheeler, paying school, medical emergencies and college fees, upgrading to new electronics, paying credit card bills, buying jewelry, for home decor, etc.

It is one of the best Indian personal loan apps in the market that offers easy loans to both, self-employed and salaried individuals. Also, it offers approvals to early salary loans online within two working hours and pride ourselves in providing one of the fastest cash loan approvals in the industry.

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

Process (Personal Loan Kaise Le)

Applying for an instant personal loan online is really simple with the PaySense app:

● Install the PaySense app.
● Check your personal loan eligibility.
● Provide KYC documentation like identity proof (Aadhar/PAN/VoterID), address proof (Aadhar/Utility bills/Rental Agreement), income proof (bank statement) and a photograph (selfie).
● Sign your application and get an instant approval for your personal loans.

Once approved, the loan amount will be credited in your account within a few days.
The PaySense app also offers an EMI calculator that can help you choose between different EMI plans. This provides you the freedom to decide your own EMI amount and the loan tenure and helps you manage your finances better.


In order to apply for easy and quick personal loans, you should fulfill the following conditions:

👉You should be a resident of India
👉Your age should be within 21 years to 60 years
👉You must be a salaried employee or self-employed
👉You must have a minimum monthly income of 12,000 INR (salaried employees) or Rs. 15, 000 (self-employed)
👉You must be based at any one of the 50+ cities we serve pan-India


In addition to providing one of the fastest online loan approvals to Indians, PaySense customers enjoy the following advantages:

✔️ Affordable interest rates
✔️ Convenient and affordable EMIs
✔️ 2 minute loan application process
✔️ Paperless documentation
✔️ Apply for a bank loan from your phone
✔️ Automated updates and EMI deduction

Instant Personal Loan App FAQs

1) What's the amount and tenure I can apply for?

👉Amount: ₹5,000 to ₹5 Lakhs
👉Tenure: 3 months to 24 months

2) What are the interest rates on these loans?

Interest rates start at 13% per annum.

3) What are the fees and charges applicable?

👉Processing Fees: 2.5% of the loan amount + GST
👉Loan Prepayment Charges: 4% charge on the remaining principal amount (allowed after 3 EMI payments)
👉Late Payment Charges: ₹500 + GST upon failure to pay the EMI on a fixed date


PaySense has disbursed over 1 lakh personal loans in the last 12 months and is present in over 50 cities across India including Ahmedabad, Anand, Bengaluru, Bharuch, Bhopal, Chandigarh, Chennai, Coimbatore, Delhi-NCR, Gandhinagar, Guntur, Hyderabad, Indore, Jaipur, Jodhpur, Kolkata, Kota, Medak, Mehsana, Mohali, Mumbai, Mysore, Nagpur, Nashik, Navi Mumbai, Nellore and many more.

Customer Information Security and Privacy

The PaySense loan app has been developed using the best security and privacy standards to ensure absolute data security. Our app is secure to use and we do not share customer information with third parties without consent.

☝️Apply and get a personal loan instantly!☝️
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What's New

Bug fixes and performance improvements
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Additional Information

May 17, 2019
Current Version
Requires Android
4.0.3 and up
Content Rating
Offered By
PaySense Pte. Ltd.
Jai Villa, Devshakti 49 Tilak Road Santa Cruz West Mumbai 400054
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