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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. Udhaar now
- APR:
- Upto 375%
- Rating:
- 10.0 / 5
- Lender:
- SYBRON LEASING AND FINANCE PRIVATE LIMITED
- Ticket:
- ₹10,000–₹100,000
3. ACHIVERS FINANCE
- APR:
- Upto 100%
- Rating:
- 5.0 / 5
- Lender:
- Ticket:
- ₹2,000–₹50,000
4. AMAN FINCAP
- APR:
- Upto 300%
- Rating:
- 5.0 / 5
- Lender:
- AMAN FINCAP LIMITED
- Ticket:
- ₹2,000–₹50,000
5. AYAAN FINSERVE INDIA
- APR:
- Upto 300%
- Rating:
- 5.0 / 5
- Lender:
- AYAAN FINSERVE INDIA PRIVATE LIMITED
- Ticket:
- ₹2,000–₹50,000
Why we reach this verdict on PayMe
PayMe is operated by PayMe India Financial Services Pvt Ltd (own NBFC) + Arvog/LiquiLoans/PinCap/LendBox/Arthmate, which holds its own RBI registration. That matters concretely: the Fair Practices Code, the Digital Lending Guidelines (2022) and the RBI Ombudsman scheme all apply to your loan, so you have a named regulator to escalate to if anything goes wrong.
On cost, PayMe states a ceiling of 150% APR. That is far above the 10–24% a bank or credit card charges, which means it should only ever be a days-to-weeks bridge, never a way to fund a shortfall you cannot clear next month.
Across our checks we recorded 2 concerns and 0 points in its favour for PayMe , listed in full below with what each one means for you as the borrower.
How we verified this alternatives shortlist
- Reviewed by the SahiSujhav lending desk against our published scoring methodology.
- Facts on this page were last checked against PayMe 's own disclosures on 16 May 2026. Lenders change fees without notice — always confirm against the Key Fact Statement you are shown.