Loans for the people who keep India moving.
Delivery, quick-commerce, home services, hospitality, logistics, driving. If a platform or employer pays you, we can read it. No salary slip, no CIBIL score required. Repayment comes out of your next payouts, a little at a time.
Delivery & quick-commerce
₹3,000 – ₹50,000 in under 30 minutes for food, grocery and dark-store riders. Sized on your last two months of runs, repaid from weekly payouts.
Food Delivery Partner Loan · ₹3,000 – ₹50,000Apply
Quick service & hospitality
House help, salon & beauty pros, cleaners, cooks, chefs and waiters. ₹5,000 – ₹1 Lakh on platform or employer payouts. No CIBIL needed.
Gig Worker Loan · ₹5,000 – ₹1 LakhApply
Logistics & warehouse
₹5,000 – ₹1 Lakh underwritten on platform earnings and bank cash-flow. No CIBIL score needed.
Gig Worker Loan · ₹5,000 – ₹1 LakhApply
Drivers
Fuel, repairs, insurance renewal: disbursed in under an hour, netted from your next payouts.
Gig Worker Loan · ₹5,000 – ₹1 LakhApplyPlatform names are for illustration only. All marks belong to their respective owners.
Pick the loan that reads your income.
Every product is originated by an RBI-regulated lending partner. The application is the same 3-minute wizard. The underwriting is specific to how the borrower actually earns.
Personal
6 loans for individuals
Payday Loan
Bridge the gap between the 25th and payday.
Apply
Emergency Loan
For the days that don't wait.
Apply
Medical Loan
Treatment first. EMIs after.
Apply
Rent Loan
Move in without a security-deposit shock.
Apply
Shaadi Loan
The wedding you promised, without dipping into the FD.
ApplyNRI Loan
Loans in India, underwritten on your foreign income.
ApplyWork & Business
4 loans for gig workers, delivery partners, kirana & farmers
Gig Worker Loan
Credit that reads your platform earnings, not CIBIL.
Apply
Food Delivery Partner Loan
A working-day loan for delivery riders.
Apply
Kirana Shop Loan
Working capital for the corner store.
Apply
Farmer Loan
Credit that follows the harvest calendar.
ApplySecured
Lowest rates on the site
Earning abroad? Borrow in India.
Personal, home-repair and family-support loans priced against your overseas salary. Repaid from your NRE/NRO account or by international remittance, with the EMI fixed in rupees.
- 30+ countries: GCC, US, UK, EU, Canada, Australia, Singapore
- Underwritten on foreign salary, contract or business income
- Remit-and-repay from abroad, or debit an Indian NRE/NRO account
- EMI fixed in INR: no FX surprises mid-tenure
Seven ways NRIs borrow with Paynorma
Unsecured loans on your overseas income, plus secured credit against the Indian assets you already hold, without selling or breaking them.
Family Support Loan
Money for parents and family in India, disbursed to their account.
Remittance Delay Loan
Bridge a late salary transfer without missing an EMI or a school fee.
Loan Against FD
Borrow against NRE / NRO fixed deposits. The deposit keeps earning.
Loan Against FCNR
Rupee or foreign-currency credit against FCNR(B) deposits.
Loan Against Assets
Unlock the value of property you own in India.
Loan Against Securities
Liquidity from shares, mutual funds and bonds, without selling.
Education Loan (transfer to USA)
Tuition and living costs remitted straight to a US university.
3 steps. About 3 minutes.
Pick your loan & tell us about you
Choose from 11 products. A 3-minute wizard reads your income the way it flows. Salary, remittance, platform payout, or shop turnover.
Verify with Aadhaar OTP + PAN
Instant e-KYC. Consent-based account aggregator pulls your bank statement. No uploads, no branch visit.
Get offer, e-sign, money in account
Full key-fact statement before you sign. Money in your bank in minutes for retail loans, 24–72 hours for secured or NRI.
What we do differently.
Speed
Retail loans disbursed in minutes. Same-day for larger unsecured tickets. 24–72 hours for secured and NRI.
Transparent pricing
Representative example: ₹10,000 for 30 days = ~₹150 interest + ₹99 processing fee + 18% GST on fees. Total repayable: ₹10,267. APR shown before you accept.
Built for gig & informal income
We accept platform earnings, UPI receipts, shop turnover and remittance history as valid income proof. Not just salary slips.
RBI-regulated lending partner
Every loan is originated by an RBI-regulated NBFC. Paynorma is a Lending Service Provider (LSP) to Western Fintrade Pvt Ltd, an RBI-regulated NBFC.
Know what you'll pay. Before you apply.
Pick a loan, slide the amount, tenure and interest rate, see the EMI. Rates shown are indicative. Actual rates appear on the key-fact statement before you accept an offer.
How people use Paynorma.
“My bike's clutch went on a Tuesday. By Wednesday afternoon I had ₹18,000 in my account against my last two months of delivery payouts. No salary slip, no CIBIL score. A little came off each week's payout and I never had to skip a shift.”
“Diwali stock needs cash three weeks before the sales come in. A ₹2 lakh loan on my UPI turnover covered the wholesale order. I closed it in five months and didn't have to go near the moneylender.”
“Car broke down on the 24th, salary lands on the 1st. ₹30,000 hit my account in eight minutes, auto-debited on payday, and the whole thing cost me under ₹500.”
“Amma needed a knee replacement and the hospital wanted ₹6 lakh up front. The loan was approved on my Dubai salary slips and paid straight into her account. The EMI is fixed in rupees, so no FX surprises.”
Illustrative stories based on typical borrower journeys. Names and details are not those of real customers.
Six questions people ask before applying.
Who lends the money?
Every loan on Paynorma is originated by an RBI-regulated NBFC or bank. Paynorma acts as a Lending Service Provider (LSP) under RBI's digital-lending guidelines. The lending partner for each loan is shown on the offer screen before you accept.
Will checking eligibility hurt my credit score?
No. Eligibility uses a soft bureau check. A hard bureau pull happens only after you accept an offer. So shopping around costs you nothing.
Can I prepay or foreclose?
Yes, after the first EMI. Any foreclosure or part-payment charges are shown on the key-fact statement before you sign. Some products have zero foreclosure fees.
What are the fees?
A one-time processing fee, applicable interest, GST on fees, and any late payment or foreclosure charge. All disclosed on the key-fact statement before you accept. Nothing else.
Is my data safe?
Yes. Aadhaar, PAN and bank data are encrypted in transit and at rest. Only the lending partner and Paynorma's underwriting system see the data, never third-party marketers.
What if I miss an EMI?
Call us before the due date. A one-time reschedule is usually possible. Missed EMIs carry a late fee (shown on your KFS) and are reported to the credit bureaus.
Know what you'll pay before you apply.
3 minutes to an offer. Nothing changes on your credit until you accept.