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PaySense vs Poonawalla Fincorp
Side-by-side comparison of PaySense and Poonawalla Fincorp on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| PaySense | Poonawalla Fincorp | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | LSP of PayU Credit Pvt Ltd | Poonawalla Fincorp Ltd |
| Category | instant | personal |
| APR range | 48–Upto 48% | 27–Upto 27% |
| Processing fee | Upto 5% | Upto 2.5% |
| Tenure | 3–61 mo | 12–73 mo |
| Ticket size | ₹0–₹0 | ₹100,000–₹5,000,000 |
| Our rating | 5/5 | 4.4/5 |
| Verdict | Caution | Recommended |
PaySense
Good
- RBI-registered
- Longer tenures available
Watch out
- Top-up loan nudges
Last reviewed: 2026-05-08
Poonawalla Fincorp
Good
- RBI-registered NBFC (Middle Layer)
- Promoter-backed by Cyrus Poonawalla group
- Paperless KYC + e-sign agreement
- No collateral required
Watch out
- PF 2.5% + GST
- Late payment penalty up to 4%/month on overdue
Last reviewed: 2026-06-06