Paytm Postpaid Loan Apply Online

Paytm Postpaid Loan Apply Online @ Up to 60,000 Loan

You can get up to 60,000 Paytm Postpaid Loan with a 0% interest rate. Fast loan approval within 30 minutes. This is a 100% digital loan process.

Apply for a Paytm postpaid loan without income proof. Also, You can check out the Paytm Business loan to get the loan.

Paytm Postpaid Loan Quick Recap

Credit LimitUp To Rs. 60,000
Interest Rate0% up to 30 days
Application processOnline
Age20 – 60 year
IncomeNIL
Late PaymentUp to Rs. 500
Eligible CustomerSelf-Employed / Salaried Person / Student

Benefits of Paytm Postpaid Loan

Online Process: Paytm is offering a 100% digital postpaid loan. You don’t need to submit a hard copy.

No Income Proof: Don’t require income proof to apply. You can apply without income proof.

Fast Approval: Get credit limit within 30 minutes.

No Activation Charges: Paytm provides postpaid loans without any activation charges.

Interest-Free: Get up to 30 days of interest-free credit limit. Pay the due amount next month to avoid the late fee.

Minimum Documents: You can apply for a Paytm Postpaid Loan with minimum documents like an Aadhaar Card & Pan Card.

Also Read: Flipkart Pay Later EMI

Eligibility Criteria for Paytm Loan

Required following eligibility criteria to apply for Paytm Postpaid Loan:

  • Applicant’s age should be 20 years to 60 years
  • Required active bank account
  • Use Paytm for online transactions before applying for a Paytm loan
  • Applicant should complete the Paytm KYC process.
  • A borrower’s good credit score needs to apply for a Paytm loan.

Documents Required for Paytm Personal Loan

  • Pan Card
  • Aadhaar Card
  • Bank Account

Using Paytm Postpaid Credit Limit

1. Online Shopping: Use Paytm credit limit for online shopping which accepts Paytm as a payment method.

2. In-Store Payment: Pay on retail stores in grocery purchases from Paytm QR codes.

3. Bill Payment: Use credit limit to pay utility bills, recharge, and book movie tickets through the Paytm application.

4. Travel Booking: Book train, bus, and flight tickets from the Paytm app using the Paytm postpaid loan.

Repayment Process of Paytm Postpaid Bill

Repayment your Paytm postpaid bill using 3 easy steps:

1.  Monthly Billing: Each month Paytm will generate monthly billing dates for all your transaction details.

2. Due Date: Paytm generates bills on the 1st of each month and the payment due date is the 7th. You must repay the bill by the 7th date of every month.

3. Payment Methods: Pay due postpaid bills using net banking, debit card, UPI transaction, or directly from Paytm wallet.

Paytm Postpaid Loan Fees & Charges

Interest Rate0% up to 30 days
Late Payment FeeUp to Rs. 750 + GST
Convenience Fee0% to 3% of the loan amount

How to Apply for a Paytm Postpaid Loan

Step 1: Install the Paytm App

Ensure you install the Paytm application to your smartphone and the Paytm app must be updated.

Step 2: Complete KYC

Complete your KYC process using your Aadhaar Card, Pan Card, mobile number, and Email address. Permit Paytm to fetch your credit report.

Step 3: Go to Paytm Postpaid

Now open the Paytm app and go to the Paytm Postpaid section directly.

Step 4: Activate Paytm Postpaid

The fourth step is to “Activate Paytm Postpaid” and Paytm generates the best offer for you.

Step 5: Approval Process

Paytm, in collaboration with lending partners like Aditya Birla and SMFG India Credit, will review your application. Within a few minutes, you will get an approval message.

Step 6: Set Credit Limit

You will get a credit limit upon the approval process. Your credit limit varies on your credit report and Paytm transaction history.

Also Read: Slice Credit Card

Paytm Customer Care

Contact Paytm customer care for a loan or other queries:

Customer Care Number+91-120- 4770770 / 0120-38883888
Email ID[email protected]

Office Address:

Skymark One, Shop No.1, Ground Floor,

Tower-D, Plot No. H-10B,

Sector 98, Noida, UP-201301

FAQs on Paytm Postpaid Loan

  1. Can I apply for a Paytm loan without income proof?

    You can apply for a Paytm loan without any source of income.

  2. Can I take the credit limit to my bank account?

    You can transfer your credit limit to a bank account through the Paytm rent payment option. But it will take minimum charges.

  3. I have a low CIBIL score. Am I eligible for a Paytm Postpaid Loan?

    Paytm is offering up to Rs. 60,000 in loans to everyone. You can apply with a low CIBIL score. If you are eligible, you will get a credit limit.

  4. How to pay the Paytm due amount after 30 days?

    After 30 days you can pay the due amount through UPI, Debit Card, or Net banking.

  5. Can I improve my CIBIL score through a Paytm Loan?

    You can increase your CIBIL score through Paytm Postpaid Loan. Just pay on time to get a healthy credit score.

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