PhonePe UPI, Personal Loan App

PhonePe is your credit card and personal loan app for everyday financial needs. Apply for co-branded credit cards, check your credit score for free, explore instant personal loan offers, make UPI payments, recharge, pay bills, and save in Digital Gold, all in one app.

🤝 Personal Loans on PhonePe

Get a personal loan from PhonePe's lending partners, with the amount credited digitally to your account.
• View your pre-approved offer and complete your application through the personal loan app.
• Apply for an instant loan with quick approval and fast disbursal, often within minutes, subject to eligibility.
• Choose a repayment tenure of 6 to 48 months at competitive interest rates.
• Explore personal loan offers from RBI-regulated lending partners.
• No collateral needed for this 100% online loan - manage it anytime, view statements and foreclose easily.

💳 Apply, Pay & Track Credit Cards

Get one of our co-branded credit cards or manage credit cards from supported banks, all within the PhonePe credit card app.
• Choose from PhonePe SBI Card SELECT BLACK or PURPLE, or PhonePe HDFC Bank Ultimo or UNO, and earn reward points on every spend.
• Get the Wish Card, our FD-backed credit card, starting at just Rs. 2,000, with 100% approval, no documents required, and lifetime-free.
• Link any RuPay credit card to UPI, then scan & pay at merchant QR codes using your credit limit, without needing a physical card.
• Convert eligible credit card purchases into EMI, including no-cost options, with installments billed to your card statement.
• Track your credit score and CIBIL score at no cost, with helpful tips to improve it.
• Enjoy airport lounge access - up to 4 visits a year on the SBI Card SELECT BLACK, or up to 8 on the HDFC Bank Ultimo, T&Cs apply.
• Use PhonePe as your RuPay credit card app to pay at eligible UPI merchant QR codes.

💴 UPI & Money Transfer

Use PhonePe UPI to send money instantly from your linked bank account.
• Send money instantly to a UPI ID or phone number, at no charge.
• Link bank accounts from SBI, HDFC, ICICI, Axis and 140+ other banks to check your balance.
• Scan UPI QR codes to pay at shops, pharmacies, and restaurants.
• Transfer money easily between your linked bank accounts.
• View your complete UPI transaction history in one place.

📲 Recharge & Pay Bills

Recharge and pay your everyday bills, all in one place.
• Recharge prepaid mobile numbers for Jio, Airtel, Vi, and BSNL.
• Renew your Tata Play or Airtel Digital TV subscription.
• Clear electricity, water, gas, FASTag & landline bills in seconds.
• Pay insurance premiums, tuition fees, and municipal taxes on time.
• Set bill payment reminders so you never miss a due date.
• Pay credit card bills from major banks directly through the PhonePe app.

Invest in 24K Digital Gold & Silver

Start your investment in gold and silver with as little as Rs. 10.
• Invest in 24K Digital Gold or 999-purity Silver anytime, with amounts that suit your budget.
• Your gold is 100% secure, stored in insured lockers with our partners.
• Sell your gold or silver anytime at the market price.

🏦 PhonePe Lending

PhonePe's lending partners approve and disburse loans through a paperless, fully online process.

Repayment Period: 6 - 48 Months
Maximum APR: 36%

Example:
Loan Amount: Rs. 1,00,000
Tenure: 12 months
Rate of Interest: 11.76% per annum
Processing Fee: Rs. 3,245 (3.25%)
GST on Processing Fee: Rs. 584
Total Interest: Rs. 12,696
EMI: Rs. 4,694
Maximum APR: 14.52% per month
Amount Disbursed: Rs. 96,755
Total Repayment Amount: Rs. 1,12,696

We offer loans from India's biggest lenders - Aditya Birla, Piramal, IDFC First, L&T Finance, PayU Finance & Credit Saison India

Download PhonePe for credit card bill payments and UPI - also searched by millions as Phonepey, Pay Phone App, PonPe or Phone Pe App.

Privacy policy- https://www.phonepe.com/privacy-policy/