पेसेंस पर्सनल लोन
PaySense instant personal loan for salaried professionals up to ₹5 Lakhs via PayU Finance.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Digital consumer lending platform by PayU Finance offering personal loans and revolving lines of credit up to ₹5 Lakhs for salaried professionals.
प्रमुख लाभ एवं विशेषताएं
• Disbursal in under 2 hours directly to bank account • Easy digital document upload and instant automated approval • Flexible repayment terms from 3 to 60 months • 100% paperless onboarding via PaySense app.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Salaried corporate employees with verified digital bank statements. Min Age: 21, Max Age: 60. Min Net Monthly Salary: ₹18,000. Min CIBIL: 680.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
Prepayment allowed after 3 EMIs with 4% fee + GST.
📂आवश्यक दस्तावेज (Required Documents)
• Completely paperless (PAN, Aadhaar, and salary bank statement).
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• High interest rates up to 36% p.a. for non-prime profiles. • Foreclosure penalty of 4% + GST applies. • Minimum net monthly income requirement of ₹18,000.
🚀आवेदन के चरण (How to Apply)
1. Open PaySense App > Credit Line banner. Select amount and e-sign via OTP. Disbursed in 30 minutes.
1. Download PaySense App or visit gopaysense.com. Enter mobile number, PAN, and link bank statement via netbanking.
Not applicable — app-only digital product.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
How fast is PaySense loan disbursed?
Within 2 hours upon digital verification and e-NACH mandate registration.
What is the minimum income needed?
A minimum monthly salary of ₹18,000 is required.
What is the maximum tenure?
Up to 60 months (5 years).