Paytm Now.
Pay Later.

Paytm Payments Bank does not provide any loan or credit card on the Paytm App.
Know more.

Loan facility is provided by our NBFC partners.

Big Wishes? Get what you want
right now. Big bills? Clear them
away. Get Postpaid Loan,
a new & incredible way to pay.
Get up to ₹60,000
instant spend credit
Pay next
0 annual charges
No activation
Build your
credit score
100% digital


Pay with Postpaid Loan at 1.5 Cr+
shops across India and all your
favourite Apps & Websites.

30 Days

Spend wherever you want, no
questions asked.

Pay it back
next month*
*Nominal Convenience Fee - as per Lenders policy

Improve Your
Credit Score.

Postpaid Loan helps you build
and improve your credit profile.
Timely repayments
can make you
eligible for a credit card or get you
a better loan offer.


Enjoy single click
checkouts without hassle.

Frequently Asked Questions


How does Postpaid Loan work?

Postpaid Loan is a Buy Now, Pay Later facility offered by Paytm’s NBFC partners. With Postpaid, users get credit of up to Rs. 60,000 every month at 0% interest for upto 30 days. They can use this credit to make purchases, bill payments, recharges, bookings, etc at 1.5 Crore + websites & outlets and repay next month.

Who can apply for Postpaid Loan?

Postpaid Loan is available to all Paytm users and does not mandatorily require an existing credit score or proof of employment. Approval of Postpaid Loan is subject to users fulfilling our NBFC partner’s risk policy. The following conditions must be met in order to apply for Paytm Postpaid:

i. User needs to have a valid PAN number
ii. User must be older than 20 years
iii. User must complete online KYC verification through CKYC or Aadhaar number
iv. User must be an Indian resident.

How can I apply for Postpaid Loan?

Step 1: Click on Postpaid Icon on the Homepage
Step 2: Fill in your few details – PAN number, Date of Birth & Email address. Tick the checkbox to provide your consent to fetch your Credit Report
Step 3: Wait for a few seconds to generate the best offer for you
Step 4: Offer is generated with credit/loan limit
Step 5: Take a selfie to complete KYC check
Step 6: Aadhaar Verification with OTP
Step 7: Confirm your details & Activate Postpaid

You can check a detailed video on How to Activate Postpaid Loan here.

Is it safe to share my PAN card details with Paytm?

Any information shared by the user with Paytm is kept secure and private. This information is only used to assess the eligibility for the Postpaid facility provided by our NBFC partners.

What is the repayment process?

Postpaid Loan follows a billing cycle of 1 month. A single consolidated bill is generated on the 1st of the following month and payment is due by the 7th. Users can repay their bill at any time within this period by visiting the Postpaid Loan section of the app using UPI, Debit Card, or Net Banking. You can also pay your outstanding balance in advance at any time during the month.

What happens if I don’t make my repayments on time?

You may have to pay a penalty depending on the due amount if the bill is not paid as per due date. The late fee can range from 0 to Rs. 750 plus GST and this will also have a negative impact on your credit score

Am I charged anything for using Postpaid Loan?

There is no joining fee for activating Postpaid Loan. Our lender partners charge a nominal convenience fee of 0% to 3% depending on the risk policy, on monthly spends made using Paytm Postpaid. For payments on some categories the user may be charged an additional convenience fee / platform fee which is displayed at the time of transaction

Does Postpaid Loan affect my credit score?

If you start using Postpaid Loan then every month your payment history is shared with the bureau that helps build your credit profile. Timely repayments help improve your score and late payments may negatively impact your score.

To contact our Lender Partners

Ms. Shruti Sarraf

[email protected]

Ritesh Saxena

[email protected]

Aditya Ranade

[email protected]