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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 PaySense Alternatives in 2026
Looking for a instant option that beats PaySense on transparency, APR, or processing fees? Here are 5 regulated NBFC alternatives we currently rate higher.
Last reviewed: 2026-05-08
2. Nanokred
- APR:
- Upto 200%
- Rating:
- 5.0 / 5
- Lender:
- https://nanokred.com/
- Ticket:
- ₹0–₹0
3. 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
4. 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
5. PayMe
RBI-registered NBFC since 2018; salary advance + PL
- APR:
- Upto 150%
- Rating:
- 4.1 / 5
- Lender:
- PayMe India Financial Services Pvt Ltd (own NBFC) + Arvog/LiquiLoans/PinCap/LendBox/Arthmate
- Ticket:
- ₹1,000–₹50,000