PayAaramSe - Buy on easy EMIs

Q3edge Info

About this app

Welcome to PayAaramSe, your trusted partner in flexible shopping and financial freedom! With PayAaramSe, you can enjoy Buy Now, Pay Later (BNPL) and easy EMI options on purchases across thousands of online and offline stores, including small mom-and-pop shops in semi-urban areas of India. Our platform empowers you with:
• Flexible Payment Plans: Choose the plan that fits your budget, whether in 4 installments or customized EMIs.
• Wide Retailer Network: Shop across electronics, mobile, home goods, and more.
• Transparent and Secure: No hidden fees, and top-notch security for your personal and financial data.
• Convenience at Your Fingertips: Easy approvals, fast checkout, and secure transactions.
PayAaramSe also offers additional payment options like debit/credit cards and UPI to make shopping stress-free. Whether you're buying daily essentials or upgrading your tech, we’re here to make shopping easier. Join thousands of satisfied customers and enjoy financial freedom today.

Here is how it works
1. Download PayAaramSe app from playstore
2. Allow various permissions asked on first screen like SMS, this helps us asses the creditworthiness of the user and decide whose loan is approved and amount of loan
3. Click on top banner to complete KYC
4. Upload your adhar details, pan card and a selfie . These are used to check your CIBIL score
5. Based on your creditworthiness data received from CIBIL as well from SMS, we provide you an instant loan limit
6. You will get two kinds of limits
a) Pay Araam Se : - here you get a limit upto INR 10000/- . This is interest free rotating loan for upto 30 days. You can do shopping throughout the month and can pay before 3rd of next month
b) Pay Araam Se EMI: Here you get a loan upto INR 40000/- . You can walk in to any of our network stores and buy anything on EMIs.

EMI tenure varies from 3 months to 12 months.
Loan interest: For a purchase of 40,000/- done on 12 month EMI here is what you will pay
1. Processing fee of 2%+GST
2. 12 monthly EMIs of INR 3899

Which means you pay interest of INR 6794/- over 12 months for amount of 40000

Here is what you can do with our buy now pay later and EMI facility
1. Using our Pay Araam Se buy now pay later feature you can order groceries online
2. Using our Pay Araam Se EMI feature, you can go to any of our network stores and can buy anything on EMI
Happy shopping.

For any query or dispute , mail us on [e-mail]