Three steps. About three minutes.
One 3-minute application, one consent-based data pull, one clear offer, and money in your account faster than the next chai break.
Pick your loan & tell us about you
Choose from 11 products. The 3-minute wizard reads your income the way it flows. Salary, remittance, platform payout, invoice or shop turnover. No document uploads at this step.
Verify with Aadhaar OTP + PAN
Instant e-KYC. Consent-based account aggregator pulls your bank statement so we don't ask for uploads. We do a soft credit check. No hit on your bureau score at this stage.
Get offer, e-sign, money in account
Full key-fact statement (amount, rate, fees, total repayment) before you sign. Money in your bank in minutes for retail loans, 24–72 hours for larger secured or NRI loans.
Consent-based. Encrypted. Never sold.
Consent-based
You approve every data pull through India's account-aggregator framework. We never see or store your bank login.
Regulated e-KYC
PAN and Aadhaar go through the lending partner's RBI-compliant e-KYC, not a home-grown scraper.
Never sold
Your data is used to underwrite and service your loan. Nothing is shared with third-party marketers.
Common questions.
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.
Ready when you are.
3 minutes to an offer. Nothing changes on your credit until you accept.