PayMe - Personal loan app 9.2.0

Huey Tech Private Limited – Freeware – iOS
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For salaried individuals only, the minimum salary requirement is INR 15,000.

This personal loan application facilitates access to instant loans ranging from Rs. 2,000 to Rs. 2 lakh, with repayment terms spanning 3 to 24 months. It aims to assist Indian citizens in acquiring loans promptly, albeit with a processing fee that can reach up to 10%, alongside applicable taxes, with a minimum of Rs. 100 (+GST) and a maximum of Rs. 5,000 (+GST). The annual percentage rate (APR) varies between 18% and 75%.

As an example, for a loan amount of Rs. 10,000 with a tenure of 12 months and an APR of 24%, the interest accrued would be Rs. 1,347.15 (based on reducing principal balance), resulting in an EMI of Rs. 945.60 and a total loan cost of Rs. 11,347.15 (the disbursed loan amount is after deducting the processing fee, and the borrower pays interest solely on the utilized portion of the loan).

To initiate the process, users simply need to register on the PayMe loan app to receive their desired amount directly in their bank accounts.

Key features of this personal loan app include:
<ul>
 <li>100% paperless application process</li>
 <li>Loan limits up to Rs. 2 lakh</li>
 <li>Flexible and convenient repayment options</li>
 <li>Swift approval and sanctioning processes</li>
 <li>No charges for early repayment</li>
 <li>No charges for pre-part payment</li>
 <li>Collateral-free personal loans</li>
 <li>Option to convert short-term loans into EMI term loans</li>
 <liAbility to pay monthly rent via credit card</li>
</ul>

Eligibility criteria for the online loan application are as follows:
<ul>
 <li>The borrower must be at least 18 years old.</li>
 <li>The maximum age limit at the time of applying for the loan is 56 years.</li>
 <li>The applicant must be an Indian citizen.</li>
 <li>The borrower should be a salaried employee.</li>
 <li>The monthly net salary must be no less than Rs. 15,000.</li>
 <li>A minimum work experience of six months is required.</li>
</ul>

A CIBIL score of at least 650 is necessary for securing small loans online.

Required documentation includes:
<ul>
 <li>Identity proof (Aadhar/PAN).</li>
 <li>Address proof (Aadhar/bank statements).</li>
 <li>E-signature on the application using a registered mobile number and OTP for expeditious processing.</li>
</ul>

Application process:
<ol>
 <li>Register using your mobile number or email address.</li>
 <li>Complete all required details: name, address, and bank account information.</li>
 <li>Upload PAN card, identity proof, and bank statements.</li>
 <li>Your credit limit will be assigned.</li>
 <li>E-sign the loan agreement.</li>
 <li>Enroll in ENach/EMandate.</li>
 <li>The approved loan amount will be credited instantly to your bank account upon successful completion of the process.</li>
</ol>

Recent updates in our personal loan application include:

<ul>
 <li>Utilization for education expenses</li>
 <li>Medical expenses</li>
 <li>Weddings</li>
 <li>Home renovations</li>
 <li>Purchasing mobile devices</li>
 <li>Travel costs</li>
 <li>Covering rental deposits</li>
 <li>Managing monthly bills</li>
</ul>

Data security and privacy are paramount priorities for PayMe's instant loan app. We implement SHA-2 and 2048-bit encryption for optimal security and adhere to SSL certification standards.

* The annual interest rate ranges from 18% to 42%.

* PayMe India Financial Services Private Limited is an RBI-registered Non-Banking Financial Company (NBFC).

Lending partners include:

<ul>
 <li><a href="https://www.pmifs.com/lsp-dla-details/">Payme India Financial Services Private Limited</a></li>
 <li><a href="https://www.lendbox.in/channel-partner-investor">Transactree Technologies Private Limited</a></li>
 <li><a href="https://www.liquiloans.com/affiliates">NDX P2P PRIVATE LIMITED</a></li>
 <li><a href="https://www.pincap.in/our-partner">Pinnacle Capital Solutions Private Limited</a></li>
 <li><a href="https://www.arthmate.com/helpTopic">Mamta Project Private Limited</a></li>
 <li><a href="https://www.arvog.com/arvog-finance/">Finkurve Financial Services Limited</a></li>
</ul>

For more information regarding our privacy policy, please visit: 
<a href="https://www.paymeindia.in/privacy-policy">Privacy Policy</a>

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