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PaySense
3.9.12

PaySense

This is a personal loan utility that operates in many cities across India. It offers affordable interest rates, convenient EMIs and an instant application.

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PaySense is an Android application that is designed to remotely apply for an instant loan. There is no need for paper documents or a visit to the bank.

Terms and conditions

PaySense provides instant personal loans from Rs.5000 to Rs.500000 with an APR range from 16 to 36 percent. The standard processing fee is 2.5 percent of the loan amount. The tenure varies between 3 and 60 months.

EMI and interest rates are determined based on the selected duration. You can calculate them beforehand with a built-in calculator.

Prepayment is allowed after six paid EMIs. The foreclosure charge is 4 percent plus 18 percent GST of the remaining principal amount. There are also Late Payment Charges, in case you fail to pay the EMI on the due date.

How to apply

In order to apply, you need to fit the eligibility criteria. It is required to be a resident of India with an age range of 21 to 60 years. You also have to live in one of the cities the service operates in.

The process itself is quick and simple. First, you need to register and check your personal loan eligibility. Then, there is a KYC procedure, where you have to provide ID, address and income proofs as well as a photo. The last step is to sign a request and receive the funds directly to your account.

Features

  • offers loan services to Indians just like Bajaj Finserv;
  • has affordable interest rates;
  • there is an easy process of applying;
  • app is free to download and use;
  • compatible with current Android versions.
Free
Загрузок: 8
Размер: 13,8 Mb
Версия ОС: Android 4.4
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