Rate & Terms

Rates & Terms

Transparent loan terms with no hidden charges

Minimum Loan Amount

₹5,000

InstantPaise offers small personal loans starting from ₹5,000 to help users handle urgent financial needs and short-term expenses conveniently.

Maximum Loan Amount

₹1,00,000

Eligible users may apply for loans up to ₹1,00,000 depending on their credit profile, income verification, and lender approval policies.

Loan Tenure

7 – 180 Days

Flexible repayment tenure ranging from 7 days to 180 days allows borrowers to repay loans according to their financial convenience.

Processing Fee

Up to 10%

A small processing fee may be charged depending on the loan amount and risk evaluation conducted by the lender.

Interest Rate

Up to 1% / Day

Interest rates may vary depending on borrower eligibility and risk assessment performed by the lending partner.

APR (Annual Rate)

18% – 35%

The annual percentage rate reflects the true cost of borrowing including interest and applicable processing charges.

Pre-Closure

No Charges

Borrowers may repay the loan earlier than the due date without paying any additional pre-closure penalties.

Cheque Bounce Charges

₹1000

A charge of ₹1000 may be applicable in case of cheque bounce or failed repayment due to insufficient balance.

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Important Notice: Instant Paise is a digital lending platform. Loan approval is subject to eligibility and verification. Please beware of fraudulent calls or apps claiming to represent Instant Paise. We never ask for OTP, PIN or confidential banking details.