Avail Instant Personal Loans ✓ Loan up to 25 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation! Apply Now

PaySense platform is a one-stop digital marketplace to help you manage all your financial needs. PaySense has partnered with renowned NBFCs like PayU Finance India Private Limited to make the whole process of availing a loan straightforward and convenient. 

With a personal loan of up to ₹5 Lakhs, you can bring all your dreams to life. So, look no further, apply for a personal loan only on Bajaj Markets. 

PaySense Personal Loan Details

Loan amount

Up to ₹5 Lakhs


3 months to 5 years

Interest rate

Starting from 1.33% per month

Processing fee

2% - 2.5% of the loan amount + GST or ₹500 + GST (depends on whichever is higher)

Disclaimer: Above-mentioned personal loan interest rates and charges are subject to changes at the lender’s discretion

PaySense Personal Loan Interest Rates

PaySense Personal Loan interest rate varies depending on factors such as the applicant's profile, loan tenure, loan amount, and creditworthiness. The interest rate for PaySense Personal Loan generally ranges between 1.33% and 2.17% per month.


The PaySense interest rate is crucial in determining the EMIs you have to pay across the loan tenure. A lower interest rate can result in lower EMIs, making it more affordable to repay the loan.


PaySense loan interest rates are competitive, helping you easily manage your finances. That said, you can always use a personal loan EMI calculator to compute your monthly instalments before opting for a personal loan.

PaySense Processing Fees & Charges

Processing Fee

2% - 2.5% of the loan amount + GST or ₹500 + GST (depends on whichever is higher).

Loan Tenure

3 months - 5 years

Foreclosure Charges

4% of outstanding loan amount + GST

(Foreclosure is allowed only after 3 EMI payments).

Disclaimer: The charges are subject to changes at the lender’s discretion.

PaySense Loan: Eligibility Criteria

You have to meet the following PaySense Personal Loan eligibility parameters when applying for a loan:

  • You must be a citizen of India

  • Your age must be between 21 and 60 years

  • Your minimum net monthly income must be ₹20,001 if you reside in a metropolitan city and ₹18,001 if you live in any other city

  • You should have a credit score of over 700

  • You must be salaried/ self-employed

PaySense Loan: Documents Required

Knowing the PaySense loan documents required is important now that you are clear about the personal loan eligibility criteria. To get easy approval, you must submit the following:

  • Address Proof: Passport, Voter ID, Aadhaar card or Driver’s licence

  • Identity Proof: Selfie and PAN Card

  • Income Proof: Bank e-statements of the last 3 months

Calculate Your EMI

Loan Amount
  • Months
  • Years
Rate of Interest

Monthly EMI

at % interest rate for months

Total Amount Payable
Principal Amount
Total Interest
Year Principal Interest Balance

The EMI amount you need to pay for your personal loan depends on factors like the loan amount, rate of interest, and tenure. Remember that longer tenures result in lower EMI amounts but also mean higher interest payments over time. 


Hence, it is crucial to choose a tenure that suits your financial comfort. You can use a personal loan EMI calculator to calculate your monthly instalments accurately. Simply input the loan amount, predetermined rate of interest, and preferred tenure. 


The algorithm-based tool will provide you with an estimate of your personal loan EMI. You can adjust the variables until you arrive at an EMI amount that fits your budget.


So, make sure to calculate your EMI and select a repayment option that aligns with your financial goals when applying for PaySense Personal Loan, to ensure a smooth and hassle-free loan repayment experience.

Features and Benefits of PaySense Personal Loan

Loan Offerings

You can apply for a personal loan of up to ₹5 Lakhs on Bajaj Markets, and also get instant approval.

Attractive Interest Rates

The interest rate on the personal loan provided by PaySense partners ranges between 1.33% - 2.17% per month. This attractive interest rate ensures you fulfil your requirement without additional burdens.

Easy Documentation Process

You need to submit a minimal set of documents to validate your eligibility for the loan.

No Collateral Required

You do not have to submit any collateral to avail the loan, as this is an unsecured form of credit.

Rapid Disbursal

Once all your application is thoroughly checked and verified, you can get your personal loan in just 48 hours.

Comparison of PaySense Personal Loan Interest Rates With Other Partner Lenders

Here is an overview of the personal loan interest rates offered by partners on Bajaj Markets. Comparing the interest rate will enable you to get the funding you need at an affordable cost.

Lending Partner Name

Interest Rate Range

Avail Laon


30% p.a. Onwards

Apply Now


14% p.a. Onwards

Apply Now


15.95% p.a. Onwards

Apply Now

IIFL Finance

18% p.a. Onwards

Apply Now


21% p.a. Onwards

Apply Now


15% p.a. Onwards

Apply Now

Kotak Mahindra Bank

10.99% p.a. Onwards

Apply Now

L&T Finance

11% p.a. Onwards

Apply Now


16% p.a. Onwards

Apply Now


24% p.a. Onwards

Apply Now

Muthoot Finance

14.50% p.a. Onwards

Apply Now


9.99% p.a. Onwards

Apply Now


2% p.m. Onwards

Apply Now

SMFG India Credit

12% p.a. Onwards

Apply Now


1.5% p.m. Onwards

Apply Now


10.99% p.a. Onwards

Apply Now

Disclaimer: The above interest rates and loan amount may vary at the lender’s discretion and your loan application.

Know How PaySense Personal Loans Can Help You

PaySense Personal Loan offers a flexible and convenient borrowing option catering to both planned and unplanned expenses. The loan also has flexible tenure options, allowing you to choose a repayment schedule that fits your monthly budget without causing undue stress. 


Quick loan disbursal ensures timely access to funds, making it a reliable option during unexpected emergencies, such as medical expenses. Additionally, applying for a PaySense Personal Loan requires minimal documentation, saving time and effort. 


If you have a good credit history and CIBIL score, you may also be eligible for pre-approved loan offers as an existing customer of PaySense. Furthermore, with different types of personal loans, such as wedding/marriage loans, travel loans, educational loans, and more, catering to various financial requirements based on your needs.


With PaySense Personal Loan, you can enjoy the convenience of quick loan disbursal, minimal documentation, and pre-approved loan offers, making it a reliable choice for meeting your financial needs.

How to Apply for PaySense Personal Loan

You can avail a personal loan by visiting the PaySense website or on Bajaj Markets. Here are the steps to follow when applying for a PaySense Personal Loan at Bajaj Markets:

  • Online Form Filling: Click on “Apply Now” on this page and enter your personal and employment details

  • Select Your Lending Partner: Select PaySense from the list of personal loan partners

  • Specify Personal Loan Details: Select the Personal Loan amount and repayment tenure as per your choice

  • Approval & Disbursal: Get instant approval on the loan and money in 48 hours post verification

personal loan

PaySense Personal Loan Customer Care Details

If you have any queries or grievances, you can reach out to PaySense through their customer care email at support@gopaysense.com and have your queries resolved.


Please note that PaySense does not have a customer care/customer service number.

FAQs on PaySense Personal Loan

You can repay your loan through net banking, debit card and UPI.

Fill in your details, submit the required documents, and get the money in just 48 hours, subject to the approval of your loan application.

You can avail a personal loan of up to ₹5 Lakhs.

Yes. PaySense is registered with the RBI as an NBFC (Non-Banking Financial Company).

PaySense allows you to opt to foreclose your loan after three EMIs. Furthermore, there is a 4% foreclosure penalty levied on the remaining principal amount at the time of foreclosure.

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