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PaySense Review
LSP of PayU Credit Pvt Ltd
PayU group personal loan product. Standard NBFC-grade compliance.
Red flags
- •Top-up loan nudges
Green flags
- •RBI-registered
- •Longer tenures available
Permissions demanded
Data practices
Recovery practices
Sources & references
Grievance & support
- Support / helpdeskwecare@lazypay.in
Contact details published by the lender. If unresolved within 30 days, escalate via RBI Sachet.
Disclaimer: Reviews are independent editorial assessments based on publicly available information and user-submitted complaints. APR ranges and fees can change — always check the lender's Key Fact Statement before borrowing. Not financial or legal advice.
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Frequently asked questions about PaySense
Is PaySense RBI-registered?
PaySense is operated by LSP of PayU Credit Pvt Ltd. Its RBI status: RBI-regulated NBFC. Always verify the parent lender directly on the RBI NBFC list before borrowing.
What is the real APR on PaySense ?
PaySense charges an APR between 48% and 48% per annum with a processing fee of up to 5%. After fees and GST, the effective APR on short tenures can be significantly higher than the headline rate.
Is PaySense safe to use?
PayU group personal loan product. Standard NBFC-grade compliance. Permissions demanded: not disclosed. Recovery practices: not independently verified.
What loan amount and tenure does PaySense offer?
Ticket size ranges from ₹0 to ₹0, with tenure between 3 and 61 months.
How do I close my PaySense loan early?
Open the app, request a foreclosure quote in writing, and pay the principal + accrued interest. Demand the No Dues Certificate (NDC) within 7 working days — RBI mandates it. If PaySense refuses or harasses you, file a complaint on the RBI Sachet portal.