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PaySense Review

LSP of PayU Credit Pvt Ltd

PayU group personal loan product. Standard NBFC-grade compliance.

Reviewed by
SahiSujhav editorial — Independent borrower-side review
Last verified
2026-05-08
Right of reply
PaySense invited to respond on 2026-05-08. Status: pending
Indicative APR upto
Upto 48%
Indicative processing fee upto
Upto 5%
Tenure
3–61 months
Ticket size
₹0–₹0
5.0 / 5
SahiSujhav editorial rating

Red flags

  • •Top-up loan nudges

Green flags

  • •RBI-registered
  • •Longer tenures available

Permissions demanded

Data practices

Recovery practices

Sources & references

    Last reviewed: 2026-05-08

    Grievance & support

    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.

    Next step with PaySense

    Headline rates hide fees. Run your actual offer through our free tools before you accept anything.

    Check your real APR →Fees + GST + tenure, computed the RBI way.Safer alternatives to PaySense →Lower-APR, RBI-regulated options.Escape the Payday loan trap →Guided plan to get out of a high-APR loan.Fix your CIBIL score →Diagnose, dispute, rebuild in 4 stages.

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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.