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Trustpaisa review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Trustpaisa suits Indian borrowers who want a small personal loan for home improvement and need the money quickly. Cost is the trade-off: a single processing fee of 15% of the amount is deducted at disbursal, and the 36% APR sits well above the 15.5% median on our data.

Key facts

Best for
Small personal loans for home improvement that need funding fast.
APR
36%↗
Loan amount
₹3,000 to ₹45,000↗
Term
3 to 12 months↗
Arrangement fee
Processing fee up to 15% of loan amount, one-time, deducted at disbursal; GST applicable↗
Funding time
Disbursal from 5 minutes↗
Representative example
Loan of INR 42,508 for 365 days: interest rate 24% p.a., processing fee INR 2,125, GST on processing fee INR 383, total repayment INR 48,235, total interest INR 5,727, APR 36%↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Age 21-60, Indian citizen living in India, Aadhaar and PAN with valid bank account, regular monthly income from salary or self-employment↗
Origination fee (%)
15%↗
Loan types
Personal↗
Use cases
Home-improvement↗
Legal entity
Flexidigital Tech India Private Limited (formerly Fingular Tech India Private Limited), CIN U72900KA2023PTC194316↗
Headquarters
India↗
Support channels
Email, Help-centre↗
Features
Same-day funding
Official website
trustpaisa.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • Early repayment is free, so clearing the balance before the end costs nothing extra.
  • Fast payout: Disbursal from 5 minutes, with same-day funding listed as a feature.
  • Loans of INR 3,000 to INR 45,000 are sized for home improvement rather than large purchases.

Cons

  • The single processing fee of 15% is taken from the amount at disbursal, so the sum landing in the account is smaller than the sum applied for.
  • Support runs on email and help centre only, so there is no phone line for urgent repayment queries.
  • Terms of 3 to 12 months cap the schedule, so a longer repayment plan is not offered.
Trustpaisa

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Scored 8.5 / 10 by SumCue.

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Who it suits

  • Indian citizens living in India with Aadhaar and PAN, a valid bank account and regular monthly income from salary or self-employment.
  • Borrowers who need cash in the account quickly, given Disbursal from 5 minutes and same-day funding.
  • Anyone planning to settle the balance early, since early repayment is free.

Who should look elsewhere

  • Borrowers chasing a cheaper rate: Sofkredit charges 10.74% to 18.06% on APR, below 36%.
  • Borrowers after a much larger sum: Creduma ES offers from €12,000.

Deposit protection

Trustpaisa is a broker that places the application with partner lenders rather than holding a savings balance with you. The representative example is the useful part: it sets out the interest rate, the processing fee, GST on that fee, total interest and total repayment on a sample loan, so the cost of borrowing is shown in full before you commit. The Reserve Bank of India is the regulator named for the brand.

How it compares on our data

On our data, Trustpaisa ranks 608 of 665 brands on loan amount, towards the lower part of the list. On APR it ranks 281 of 338. The amount therefore stands out less than the rate, and cost is where the brand sits against the rest.

How Trustpaisa compares

Where Trustpaisa is available

Available
India
Licence in India
Reserve Bank of India, checked September 26, 2026

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

Frequently asked questions

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

The advertised rate is an APR of 36%, well above the 15.5% median across the loans we track. The representative example shows an interest rate below the headline figure, but once the processing fee and the GST on that fee are counted, the effective cost lands on the headline APR. Terms run 3 to 12 months.

What fees are charged?+

There is a processing fee of 15% of the loan amount, taken at the moment of disbursal, and GST applies on that fee. Because it is deducted before the money lands, the amount credited is lower than the amount applied for, which is worth weighing against the 36% APR before applying.

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

Amounts run INR 3,000 to INR 45,000 and terms run 3 to 12 months. The stated use is home improvement, so the loan is sized for a project rather than a large purchase. The representative example shows total repayment rising well above the amount borrowed once interest, the processing fee and GST are added.

How quickly will I get the money?+

Disbursal can be as fast as Disbursal from 5 minutes, and same-day funding is listed as a feature. That pace suits an approved applicant who needs cash in the account for a specific bill, such as a contractor's invoice. The processing fee still comes out of the amount first.

Who can apply, and is Trustpaisa regulated?+

Applicants must be Indian citizens living in India with Aadhaar and PAN, a valid bank account and regular monthly income from salary or self-employment. Trustpaisa is headquartered in India, names the Reserve Bank of India as its regulator, and runs as a broker, so partner lenders hold the loans.

Can I repay the loan early?+

Yes. Early repayment is free, so clearing the balance before the end of the 3 to 12 month term costs nothing extra. That suits anyone whose income may change, since without it the 36% APR would keep applying until the loan closes.

How do I get help?+

Support runs on email and help centre, so help comes by email and through the help centre rather than by phone. That is the channel to use for an active loan, and because Trustpaisa is a broker, repayment questions may be handled by the partner lender funding the account.

Sources

  • trustpaisa.com checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Free early repayment, Funding time, Loan types, Arrangement fee, Origination fee (%), Representative example, Support channels, Term, Use cases

    “Loan Amount: INR 3,000 - INR 45,000”

  • trustpaisa.com/about checked September 26, 2026

    Backs: Features

    “Complete your digital loan application in 5 mins and access your loan amount TODAY”

  • trustpaisa.com/partners/lending checked September 26, 2026

    Backs: Lender type, Licences

    “Trustpaisa is a Loan Service Provider (LSP) platform ... It facilitates loan transactions between borrowers and RBI-registered NBFCs/Banks”

  • trustpaisa.com/regulatory-disclosures checked September 26, 2026

    Backs: Headquarters, Legal entity

    “having its registered office at 512/1 Service Lane Outer Ring Road, Mahadevapura ... Bangalore - 560048, Karnataka, India”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Trustpaisa

Trustpaisa

Small personal loans for home improvement that need funding fast.

8.5/10See alternatives