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PaySense Personal Loan - Interest rates from 16.8%

PaySense is financial startup offering lending solutions to customers at an interest rate starting from 16.8%. Explore the features further.

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PaySense Personal Loan

Paysense is a financial services company based on Mumbai. Partnering with IIFL, they provide personal to Indian customers from Rs. 5000 up to Rs. 2 Lakhs. Till date, they have disbursed over 2.5 Lakh loans. Their mission is to make finance simple, accessible, and transparent. Get a personal loan easily credited to your account with tenure from 3 months to 60 months.

Features of PaySense Personal Loan

Instant Personal Loans

Fulfil your needs with Instant personal loans from Rs. 5000 to Rs. 5 Lakhs

Quick Approval & Disbursal

Get approval instantly and money disbursed in your account soon

Completely Paperless

Digital processing of your loan without paper

Affordable EMI Plans

Get an EMI that is not heavy on your pocket and fits your monthly budget

Loan in Single Click

Your loan is just a click away after one time documentation

Zero Credit History

Loans sanctioned to customers even without any credit history

Multiple Locations

PaySense serves customers from over 300+ cities and 4000+ Pincodes

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Eligibility criteria for Personal Loan at PaySense

Loans for salaried employee with a net salary of Rs. 18000 and Rs. 20000 for Self-employed people
Must be a resident of India
Age limit from 21-60 years

Charges in PaySense personal loan

Interest rates	From 1.4% to 2.3% per month
Loan amount	Rs. 5000 to Rs. 2 Lakhs
Tenure	Upto 5 years
Processing Fee	2.5% on the principal loan amount
Late Payment Charge	Rs. 500 + GST
Foreclosure Charges	4% on principal outstanding

Documents required for PaySense Personal Loan

ID proof (copy of voter ID card, driving licence, passport, or Aadhaar card)
Address proof (copies of passport, voter ID, driving licence, or Aadhaar)
A bank statement for the last three months bank e-statements

How to Apply for a PaySense Personal Loan?

Visit https://www.fincover.com/banking/loan/personal/ and select Paysense
Enter all the required information as requested and Submit your personal loan application
Check if your personal loan is approved with the reference no provided
If approved and verified, the loan will disbursed in few days

Personal Loans by Bank

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Do PaySense offer loans to people without credit history?

Yes, Pansense offers personal loans to people without credit history, i.e. First time customers.

What if I am unable to repay the EMI on time?

If you are not able to repay the Emi on time, then you will have to pay an LPF of Rs. 500 + GST charges

PaySense sanctions personal loan from a Minimum Rs. 50000 to maximum Rs. 10 Lakhs

Is Paysense Safe?

Using Paysense app to get a personal loan is absolutely safe. All the personal information is encrypted and kept safe through SSL protocol

How does Paysense determine the applicant’s credit line?

Your income level, repaying ability, credit score, are the ones that determine your credit line