Money in your account
before the day ends.
Personal loans from ₹10,000 to ₹2,00,000 for up to 180 days. Eligibility in 60 seconds, disbursal the same day — no branch visit, no collateral.
Operated by D.Pal Leasing & Finance Ltd, an RBI-registered NBFC.
One underwriting engine.
Four kinds of urgent.
Same rate card, same 180-day ceiling, same soft credit check. Pick the purpose — we tailor the documents we ask for.
Most takenPersonal
loan
Rent, a repair, a gap between salaries. No end-use proof, no questions about how you spend it.
Medical emergency
Priority queue. Hospital estimate is enough — disbursed the same day.
Check your rate
Shopping & no-cost EMI
Split a large purchase into three instalments with zero pre-closure charges.
Check your rate
No pre-closure fee
Repay early on day 9 or day 179 — the charge is the same: nothing.
See the full rate cardFrom “I need it” to “it’s credited”.
Check eligibility
Amount, tenure, monthly income and your PAN. A soft check only — your score stays untouched.
See your offer
Your approved limit, the exact fee, and the single repayment figure — all before you commit.
Verify & sign
Aadhaar OTP, a bank statement, and an e-NACH mandate. Nothing gets couriered anywhere.
Money credited
Straight to the bank account you verified, by IMPS. You get an SMS the moment it lands.
Keep these four things handy
What it actually costs.
Processing fee and GST are deducted before disbursal, so the amount that reaches your bank is smaller than the amount you borrow. We show you both.
Short-tenure credit is expensive. At these terms the APR reaches up to 700% — borrow only what you can repay inside 180 days.
Illustrative only. Final terms appear in your sanction letter.
Let us answer your questions.
Eligibility for an instant loan typically includes being of legal age (21 or older), having a stable source of income, and possessing a good credit score. Specific criteria may vary by lender, including minimum income requirements and residency status (e.g., citizen, permanent resident)
Some lenders offer instant loans to individuals with bad credit. However, the interest rates may be higher, and additional documentation may be required to assess your repayment capacity.
Required documents usually include proof of identity (such as a passport or driver's licence, Aadhar, PAN), proof of income (such as pay slips & bank statements), and proof of address (such as a utility bill).
It is challenging to apply for an instant loan without income proof as lenders need to assess your ability to repay the loan. However, some lenders may consider alternative documentation or a co-signer with a stable income.
Repayment options vary by lender but typically include fixed monthly payments over a period. Some lenders may offer flexible repayment plans, allowing you to choose the repayment schedule that fits your financial situation.
Many lenders allow early repayment of instant loans without penalties. However, it's essential to check the lender's policy on early repayment before applying for a loan.
The loan process for instant loans is designed to be quick, with decisions often made within minutes and funds disbursed within 24 hours of approval. The exact timing can vary based on the lender and the completeness of your application.
If your application is rejected, the lender should provide a reason for the denial. You can address the issues (such as improving your credit score or reducing debt) and reapply in the future or consider applying with a different lender.
Stop queueing at a branch.
Get quick approval for an instant loan and have the amount disbursed within hours — the fastest route from application to bank account, handled entirely online.
Terms & conditions, in plain numbers.
Rate & limits
- Minimum loan amount
- ₹10,000
- Maximum loan amount
- ₹2,00,000
- Tenure
- Up to 180 days
- Processing fee
- Up to 10% + GST
Repayment
- Pre-closure charges
- None
- Prepayment charges
- None
- APR
- Up to 700%
- Cheque / e-NACH bounce
- ₹500 + GST
GetPaise is a brand operated & promoted by the RBI-registered NBFC “D.Pal Leasing And Finance Company Limited”. RBI registration number: B-14.01593
Important — As a registered NBFC with the Reserve Bank of India and following all the guidelines of the regulatory authorities, GetPaise provides loans to all eligible customers, where we accomplish our lending services through our website and CRM. Apart from this, we would like to inform our customers and the general public that we don’t have any app on Android or the App Store, and we are not disbursing through any mobile app. Therefore, please beware of any lending application that is copying our name and disbursing loans in our name through mobile apps, and please inform us in such circumstances where someone is trying to cheat through an unauthorized loan app by copying our name and logo.
One loan, every number.
A ₹30,000 loan over 3 months, followed all the way through — from what you borrow to what actually reaches your bank.
- Total personal loan interest
- ₹2,250
- Processing fees + GST
- ₹500 + ₹90 = ₹590
Processing fees and GST are deducted during disbursal, so the amount credited is lower than the amount sanctioned.
The terms this example sits inside.
- Loan amount
- ₹30,000 to ₹2,00,000
- Interest rate
- Up to 30%
- APR
- 365%
- Tenure
- 90 days to 180 days
- Processing fee
- Upto 10%
- Age
- 21 to 55 years
- Pre-closure charges
- As applicable
- Late payment fee
- As applicable
A PAN card is required. Your exact rate and charges are confirmed in the sanction letter before you accept anything.