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1. Rapid Rupee
Reportedly operates without an RBI-registered NBFC partner. High APR and harassment complaints. AVOID.
- APR:
- Upto 200%
- Rating:
- 18.0 / 5
- Lender:
- Bee Pee Jay Finance Limited
- Ticket:
- ₹0–₹0
Best PayMe Alternatives in 2026
Looking for a instant option that beats PayMe on transparency, APR, or processing fees? Here are 5 regulated NBFC alternatives we currently rate higher.
Last reviewed: 2026-05-16
2. Nanokred
- APR:
- Upto 200%
- Rating:
- 5.0 / 5
- Lender:
- https://nanokred.com/
- Ticket:
- ₹0–₹0
3. PaySense
PayU group personal loan product. Standard NBFC-grade compliance.
- APR:
- Upto 48%
- Rating:
- 5.0 / 5
- Lender:
- LSP of PayU Credit Pvt Ltd
- Ticket:
- ₹0–₹0
4. Olyv
Lightrock-backed; serves underserved segments
- APR:
- Upto 80%
- Rating:
- 4.4 / 5
- Lender:
- Smartcoin Financials Pvt Ltd + Upmove Capital Pvt Ltd (own NBFCs)
- Ticket:
- ₹1,000–₹50,000
5. Viva Money
Part of Viva Group; credit line up to ₹2L
- APR:
- Not disclosed
- Rating:
- 4.3 / 5
- Lender:
- Fincfriends Pvt Ltd (RBI-registered NBFC partner)
- Ticket:
- ₹1,000–₹50,000