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Paisabazaar review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Paisabazaar is a marketplace, not the lender, so it suits Indian borrowers who want several personal loan offers weighed before they apply, including for debt consolidation or home improvement work. Loan amounts run INR 10,000 to INR 5,000,000 at fixed rates of 9.99% to 30%, over terms of 1 to 84.

Key facts

Best for
Comparing fixed rate personal loan offers from several Indian lenders before applying.
APR
9.99% to 30%↗
Loan amount
₹10,000 to ₹5,000,000↗
Term
1 to 84 months↗
Arrangement fee
0.5% to 4% of loan amount (processing fee)↗
Credit check
Soft prequal↗
Funding time
Money in your account within 24 hours↗
Representative example
Rs. 4 lakh at 12% p.a. for 3 years with a 1.5% processing fee (Rs. 6,000) gives an APR of approximately 13.05%↗
Rate type
Fixed↗
Lender type
Marketplace↗
Free early repayment
No↗
Eligibility
Age 21 to 65 years; minimum monthly salary Rs. 15,000 for salaried applicants; minimum annual income Rs. 5 lakh p.a. for self-employed applicants↗
Origination fee (%)
0.5% to 4%↗
Loan types
Personal, Debt-consolidation, Business, Credit-line↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Paisabazaar Marketing and Consulting Private Limited↗
Headquarters
India↗
Founded
2014↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
paisabazaar.com

Credit cards

Perks
Comparison of 100+ credit cards from top banks and issuers, Pre-qualified offers with zero documents, Fully digital application with instant card approval, Free CIBIL, Experian, Equifax and CRIF credit score checks↗
Audience
Business

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • Fixed rates of 9.99% to 30% over terms of 1 to 84, so the cost of the loan does not move during the term.
  • A soft prequal credit check, so prequalified offers can be seen without a hard search on the credit file.
  • Quick disbursal, with Money in your account within 24 hours.
  • Support by email, phone and help centre, plus free CIBIL, Experian, Equifax and CRIF score checks on the card side.

Cons

  • Free early repayment is not available, so clearing the balance before the end of 1 to 84 can cost more.
  • A processing fee of 0.5% to 4% of loan amount (processing fee) sits on the amount borrowed, and the representative example puts the real APR above the stated interest rate.
  • As a marketplace, the lender behind each offer sets the final terms rather than Paisabazaar.

Ready to try Paisabazaar?

Scored 8.5 / 10 by SumCue.

See alternatives

Who it suits

  • Salaried and self-employed applicants in India who meet the stated salary or income thresholds and prefer comparing offers to applying to one lender.
  • Borrowers planning home improvement, debt consolidation, business spending or a revolving credit line, since personal, debt consolidation and business cover those uses.
  • People who want prequalified offers and free credit score checks with CIBIL, Experian, Equifax and CRIF before committing to a full application.

Who should look elsewhere

  • Readers after a tight rate band from a single named provider: Cashspace publishes an APR of PHP 12 to PHP 36.
  • Borrowers in euro markets: Creduma ES works from from €12,000 and Sofkredit publishes an APR of 10.74% to 18.06%.

How Paisabazaar compares

Where Paisabazaar is available

Available
India

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a Paisabazaar personal loan?+

Paisabazaar lists a fixed rate of 9.99% to 30% on personal loans, so the rate holds for the term. The representative example shows the APR ending up above the stated interest rate once the processing fee is added, so the headline rate is not the whole cost.

What fees does Paisabazaar charge?+

A processing fee applies on the amount borrowed, quoted as 0.5% to 4% of loan amount (processing fee), or 0.5% to 4% across the range. Together with the interest rate of 9.99% to 30% it sets what you repay, and the representative example shows the APR sitting above the headline rate.

How much can I borrow, and for how long?+

Personal loans run from INR 10,000 to INR 5,000,000, with terms of 1 to 84. That spread covers both a short home improvement loan and a longer debt consolidation balance, and the term offered comes from the lenders on the marketplace.

Will applying affect my credit score?+

The check is a soft prequalification, soft prequal, so browsing offers is not a hard search on the credit file. A good credit history, good, is what improves the rate put in front of you.

Who can apply?+

Applicants must be adults within a stated age range, with a minimum monthly salary if you are salaried and a minimum annual income if you are self-employed. Business lending is part of the range, business, alongside personal, debt consolidation and credit line products.

Can I repay the loan early?+

Free early repayment is not available here, so settling the balance before the end of 1 to 84 can leave you out of pocket. If you expect to clear the loan early, ask the lender on the offer what it charges before you pick a term.

How quickly does the money arrive?+

Disbursal is fast: Money in your account within 24 hours, and same-day funding is listed among the features, same day funding. The clock starts once the lender accepts your papers and you sign, so a quick prequalification does not mean the cash lands straight away.

Is Paisabazaar the lender?+

Paisabazaar is a marketplace, so the agreement you sign is with the bank or financial company behind the offer rather than with the site. It runs as Paisabazaar Marketing and Consulting Private Limited and is based in India, which is who operates the comparison.

Does Paisabazaar offer credit cards as well?+

Alongside loans, the site compares credit cards from banks and issuers, with prequalified offers that ask for no documents and a fully digital application with instant card approval. Free CIBIL, Experian, Equifax and CRIF credit score checks come with the card comparison, all part of the Comparison of 100+ credit cards from top banks and issuers, Pre qualified offers with zero documents and Fully digital application with instant card approval.

Sources

  • en.wikipedia.org/wiki/Paisabazaar checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “Founded 2014”

  • paisabazaar.com checked September 26, 2026

    Backs: Audience, Support channels

    “Business Loan Cashback Offer”

  • paisabazaar.com/about-us checked September 26, 2026

    Backs: Lender type

    “Paisabazaar.com - India's No. 1 Marketplace for Loans and Credit Cards”

  • paisabazaar.com/credit-cards checked September 26, 2026

    Backs: Perks

    “Wide choice of 100+ credit cards; Pre-qualified offers, zero docs; apply through a completely digital process, and get instant card approval”

  • paisabazaar.com/personal-loan checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Free early repayment, Loan types, Arrangement fee, Term, Use cases

    “Loan Amount: ₹10,000 - ₹50 Lakh”

  • paisabazaar.com/personal-loan/interest-rates checked September 26, 2026

    Backs: Funding time, Pricing model, Origination fee (%), Rate type, Representative example

    “Instant Disbursal: Money in your account within 24 hrs”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Paisabazaar

Comparing fixed rate personal loan offers from several Indian lenders before applying.

8.5/10See alternatives