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Olyv vs PaySense
Side-by-side comparison of Olyv and PaySense on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| Olyv | PaySense | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Smartcoin Financials Pvt Ltd + Upmove Capital Pvt Ltd (own NBFCs) | LSP of PayU Credit Pvt Ltd |
| Category | instant | instant |
| APR range | 80–Upto 80% | 48–Upto 48% |
| Processing fee | Upto 5% | Upto 5% |
| Tenure | 1–3 mo | 3–61 mo |
| Ticket size | ₹1,000–₹50,000 | ₹0–₹0 |
| Our rating | 4.4/5 | 5/5 |
| Verdict | Caution | Caution |
Olyv
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16
PaySense
Good
- RBI-registered
- Longer tenures available
Watch out
- Top-up loan nudges
Last reviewed: 2026-05-08