How It Works
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Online Application Submission

Confirm Registration

Instant Approval

Sign the Agreement

Disbursal of Funds

Clients testimonials
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WHY US
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We are efficient and straightforward:

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Every second matters when you are going through a crisis. We at Paisa On Time strive to approve your loan within the shortest span of time. Adopting the fastest loan processing method and hasslefree online verification, the loan amount is made available to you within 2 hours,

No Hidden charges:

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We are not one of those who take advantage of your vulnerability. We do not charge any processing fees nor do you have any precloser charges.We assure you that there will be no hidden charges applicable while closing the loan.

prioritize safety and reliability:

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Paisa On Time is a name known for its credibility and trustworthiness. Having extensive experience in the finance vertical, we adopt the most secure screening and verification techniques to maintain your privacy. The safety and security of every customer is our top priority.

24/7 Loan disbursement:

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You don’t have to wait for working hours to apply for loan . Just download our application & fill the required details

Rates & Charges






How is APR determined?


Annual percentage rate (APR) is determined based on your credit score, the amount you wish to borrow and your steady income. Generally, a good CIBIL score calls for a low APR while a poor CIBIL score means high APR. But we have a fixed APR which is the same for all.

Working of Our Rates & Fees


APR reflects the true cost of borrowing money. It includes the annual interest rate, a nominal processing fee and other miscellaneous expenses. APR is usually lower than your credit card interest rate. APR is the actual annual cost of your loan that helps you compare various loan offers from different lenders. We have a fixed APR @ 33.6% per annum.



Monthly Payment Example


Tenure Loan Amount Interest Rate Processing Fees Amount Disbursed EMI Total Interest
3 Months Rs.30000 30% p.a. Rs.590 Rs. 29,410 Rs. 10,750 Rs.2,250

Documents Required Eligibility Criteria


DOCUMENTS REQUIRED


  • Indian resident
  • Salaried Employee
  • Above 21 years of age
  • Savings Bank Account Holder
  • Fair CIBIL Score
  • Valid Documents

DOCUMENTS REQUIRED


  • Completely filled personal loan application. Indian resident
  • PAN Card
  • Residence proof – Passport, Driving Licence, Voter ID, Postpaid/Landline Bill, Utility Bills (Electricity/Water/Gas).
  • Bank statements for the last 3 months of salary account.
  • Salary Slips of last 6 months.