routeSimple 3-Step Process
How PaySay Works
Get cash in your account in 3 simple steps. No paperwork, no branch visits, no waiting.
1
fingerprint
Verify Your Identity
Quick phone, email, and Aadhaar verification. Takes under 5 minutes, fully digital. No physical documents needed.
2
analytics
Quick Assessment
We analyze your bank statements and credit profile to determine your eligibility instantly. AI-powered decisions in seconds.
3
account_balance
Money Transferred
Once approved, funds are sent directly to your bank account within minutes. Available 24/7, even on weekends.
Requirements
Eligibility Criteria
Check if you qualify. Most salaried professionals in India are eligible.
cake
Age
21 to 58 years
account_balance_wallet
Income
Min ₹25,000/month
work
Employment
Salaried or Self-Employed
badge
Documents
Aadhaar + PAN
location_on
Residency
Indian Resident
Transparent Pricing
Rates & Charges
No hidden fees. What you see is what you pay.
| Loan Amount | ₹5,000 to ₹1,00,000 |
| Tenure | 7 to 60 days |
| Interest Rate | 1% per day |
| Processing Fee | Up to 20% |
| Pre-closure Charges | None |
| Prepayment Penalty | None |