Recent Search and Popular Product
Business Loan
Personal Loan
Home Loan
Education Loan
Car Loan
Credit Card
Loan Against Security
Loan Against Property
Explore Your Options
paysense personal loan
Whether you want to buy a house, take that long overdue vacation, or just about anything else, with the help of Paysense flexible loan terms and easy EMI repayment process, you can have your instant personal loan approved in a jiffy.Powered By
paysense personal loan
Apply Now
Here are a few factors
| Location | PAN INDIA |
| CIBIL Score | 700+ |
| Minimum Salary Per Month | 18000/-Per
Month 20000/- Metro City Per Month |
| Salary Mode | NEFT,RTGS,IMPS if Company Name Mention, CHEQUE &COMPANY TRANSFER |
| Applicant Age | 22 Year to 57 Year |
| Loan Amount & Tenure | 50000
to 10 Lac (6 Month to 60 Month) |
| Rate of Interest (Type) | 18% to 22% (Reducing) |
| Processing Fees | 1% - 3% |
| Processing Mode & TAT | Processing: Online TAT: 5 Min to 48 Hour |
| Foreclosure Charges | As per Policies Generally 1% - 4% |
| Part Payment Allowed | Allowed |
| OD Product | NO |
| BT+TopUp | Yes |
| Minimum Job Experience | 3 Month |
| Current Employer Business Vintage | 6 Month |
| FOIR | 65% of Net Salary |
| Whether Co-Applicant Mandatory | No |
| No of Enquiry Allowed | Maximum 5 in last 3 month |
| USP | 1.
Funding to All Employee 2. 3 Month Salary in accounts in Continuation 3. Payslip not required |
| Negative Profile | 1. Applicant
receiving Salary through UPI or Cash Mode 2. Funding to Pensioner 3. Overobligation Customer 4. Any person who is director in any company having shareholding>5% 5. Applicant having Overdue in their CIBIL 6. Single name applicant |
| Additional | 1. The
applicant who have applied before can re-apply after 30 days 2. If applicant is having single name mention his father name for last name |
Required Documents to Apply for Paysense Personal Loan
-
KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
-
Last 3 month Bank Statement in PDF
-
Rent Agreement if rented or Utility Bill if residence is owned
About PaySense Personal Loan
PaySense provides personal loans for amounts ranging from 5,000 to 5 lakh rupees at monthly interest rates of 1.4% to 2.3%. It offers quick personal loans with flexible EMI alternatives to salaried and self-employed individuals. Borrowers can submit their KYC papers and electronically sign their loan applications as part of the NBFC's paperless documentation process. People with no credit history, or those who have never gotten a loan or credit card before, can also get personal loans through PaySense.
Paysense provides personal loans for the purchase of consumer durables such as smartphones, cameras, laptops, televisions, washing machines, and refrigerators.
Save Your Time with a Simple Loan Process
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
Let us take an example, How EMI is being calculated
For instance, if "Shubham" applies for a Personal loan of INR 1 Lacs and get the loan sanctioned at the rate of 15 % with a tenure range of 36 Months , in such a case his EMI would be INR 3,467 and complete repayment amount till the end of 36 Months tenure would be INR 1,24,795 (i.e 3,467 EMI * 36 Months), wherein the total interest amount is INR 24,795 along with principal repayment of INR ₹1,24,795 . Few additional charges like those of minimal one-time processing fee 2% of the disbursed amount + GST of loan amount may apply. T&C apply.| Year | Principal (A) |
Interest (B) |
Total Payment (A + B) |
Balance | Loan Paid To Date |
|---|---|---|---|---|---|
| 2022 | ₹ 11,363 | ₹ 5,969 | ₹ 17,333 | ₹ 88,637 | 11.36% |
| Aug | ₹ 2,217 | ₹ 1,250 | ₹ 3,467 | ₹ 97,783 | 2.22% |
| Sep | ₹ 2,244 | ₹ 1,222 | ₹ 3,467 | ₹ 95,539 | 4.46% |
| Oct | ₹ 2,272 | ₹ 1,194 | ₹ 3,467 | ₹ 93,267 | 6.73% |
| Nov | ₹ 2,301 | ₹ 1,166 | ₹ 3,467 | ₹ 90,966 | 9.03% |
| Dec | ₹ 2,329 | ₹ 1,137 | ₹ 3,467 | ₹ 88,637 | 11.36% |
| 2023 | ₹ 30,332 | ₹ 11,266 | ₹ 41,598 | ₹ 58,305 | 41.70% |
| Jan | ₹ 2,359 | ₹ 1,108 | ₹ 3,467 | ₹ 86,278 | 13.72% |
| Feb | ₹ 2,388 | ₹ 1,078 | ₹ 3,467 | ₹ 83,890 | 16.11% |
| Mar | ₹ 2,418 | ₹ 1,049 | ₹ 3,467 | ₹ 81,472 | 18.53% |
| Apr | ₹ 2,448 | ₹ 1,018 | ₹ 3,467 | ₹ 79,024 | 20.98% |
| May | ₹ 2,479 | ₹ 988 | ₹ 3,467 | ₹ 76,545 | 23.45% |
| Jun | ₹ 2,510 | ₹ 957 | ₹ 3,467 | ₹ 74,036 | 25.96% |
| Jul | ₹ 2,541 | ₹ 925 | ₹ 3,467 | ₹ 71,495 | 28.51% |
| Aug | ₹ 2,573 | ₹ 894 | ₹ 3,467 | ₹ 68,922 | 31.08% |
| Sep | ₹ 2,605 | ₹ 862 | ₹ 3,467 | ₹ 66,317 | 33.68% |
| Oct | ₹ 2,638 | ₹ 829 | ₹ 3,467 | ₹ 63,679 | 36.32% |
| Nov | ₹ 2,671 | ₹ 796 | ₹ 3,467 | ₹ 61,009 | 38.99% |
| Dec | ₹ 2,704 | ₹ 763 | ₹ 3,467 | ₹ 58,305 | 41.70% |
| 2024 | ₹ 35,208 | ₹ 6,390 | ₹ 41,598 | ₹ 23,097 | 76.90% |
| Jan | ₹ 2,738 | ₹ 729 | ₹ 3,467 | ₹ 55,567 | 44.43% |
| Feb | ₹ 2,772 | ₹ 695 | ₹ 3,467 | ₹ 52,795 | 47.20% |
| Mar | ₹ 2,807 | ₹ 660 | ₹ 3,467 | ₹ 49,988 | 50.01% |
| Apr | ₹ 2,842 | ₹ 625 | ₹ 3,467 | ₹ 47,147 | 52.85% |
| May | ₹ 2,877 | ₹ 589 | ₹ 3,467 | ₹ 44,270 | 55.73% |
| Jun | ₹ 2,913 | ₹ 553 | ₹ 3,467 | ₹ 41,356 | 58.64% |
| Jul | ₹ 2,950 | ₹ 517 | ₹ 3,467 | ₹ 38,407 | 61.59% |
| Aug | ₹ 2,986 | ₹ 480 | ₹ 3,467 | ₹ 35,420 | 64.58% |
| Sep | ₹ 3,024 | ₹ 443 | ₹ 3,467 | ₹ 32,397 | 67.60% |
| Oct | ₹ 3,062 | ₹ 405 | ₹ 3,467 | ₹ 29,335 | 70.67% |
| Nov | ₹ 3,100 | ₹ 367 | ₹ 3,467 | ₹ 26,235 | 73.76% |
| Dec | ₹ 3,139 | ₹ 328 | ₹ 3,467 | ₹ 23,097 | 76.90% |
| 2025 | ₹ 23,097 | ₹ 1,169 | ₹ 24,266 | ₹ 0 | 100.00% |
| Jan | ₹ 3,178 | ₹ 289 | ₹ 3,467 | ₹ 19,919 | 80.08% |
| Feb | ₹ 3,218 | ₹ 249 | ₹ 3,467 | ₹ 16,701 | 83.30% |
| Mar | ₹ 3,258 | ₹ 209 | ₹ 3,467 | ₹ 13,443 | 86.56% |
| Apr | ₹ 3,298 | ₹ 168 | ₹ 3,467 | ₹ 10,145 | 89.86% |
| May | ₹ 3,340 | ₹ 127 | ₹ 3,467 | ₹ 6,805 | 93.19% |
| Jun | ₹ 3,381 | ₹ 85 | ₹ 3,467 | ₹ 3,424 | 96.58% |
| Jul | ₹ 3,424 | ₹ 43 | ₹ 3,467 | ₹ 0 | 100.00% |
PaySense Contact Details
Here are the contact details in case you require any kind of help from PaySense.
Corporate Office Address: Jaivilla Dev Shakti 49 Tilak Road, Navyug Colony, Santacruz West, Mumbai, - 400054, Maharashtra, India
Customer Service e-mail: support@gopaysense.com
FREQUENTLY ASKED QUESTIONS
The minimum CIBIL score required for a Paysense personal loan must be 700.
The minimum salary of the applicant for a Paysense personal loan should be at least Rs.20,000 in Metro cities & Rs. 18,000 in the rest of the cities.
While applying for the personal loan with Paysense, you would need to submit proof of identity (Adhaar card / PAN card), proof of your address (Adhaar card, utility bill, or rental agreement, a proof of your income (bank account statement), and one photograph. Once this documentation gets approved, Paysense approves the personal loan within a few hours and disburses the funds within a few days.
No, PaySense allows you to cancel the personal loan once the money is deposited into your bank account.
Yes, PaySense allows you to apply for another personal loan even if you already have one. However, that gets approved based on your credit.
Copyright 2025 © Referloan.in.