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L&T Finance PLANET vs PaySense
Side-by-side comparison of L&T Finance PLANET and PaySense on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| L&T Finance PLANET | PaySense | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | L&T Finance Holdings | LSP of PayU Credit Pvt Ltd |
| Category | personal | instant |
| APR range | 28–Upto 28% | 48–Upto 48% |
| Processing fee | Upto 2.5% | Upto 5% |
| Tenure | 12–61 mo | 3–61 mo |
| Ticket size | ₹50,000–₹1,500,000 | ₹0–₹0 |
| Our rating | 4.3/5 | 5/5 |
| Verdict | Recommended | Caution |
L&T Finance PLANET
Good
- Upper Layer NBFC under SBR
- L&T parentage
- 100% digital onboarding
- No collateral
Watch out
- PF up to 2.5% + GST
- Late charges 24% p.a. on overdue
Last reviewed: 2026-06-06
PaySense
Good
- RBI-registered
- Longer tenures available
Watch out
- Top-up loan nudges
Last reviewed: 2026-05-08