PayAaramSe - Buy on easy EMIs 2.13

PayAaramSe presents itself as a notable option for consumers seeking flexible payment solutions in the realm of online and offline shopping. By offering Buy Now, Pay Later (BNPL) plans and easy EMI options, the platform has positioned itself to cater to a wide audience, including small retailers in semi-urban areas of India.

Key features of PayAaramSe include:

• Flexible Payment Plans: Users can select payment options that align with their budgets, ranging from four simple installments to customized EMIs.
• Wide Retailer Network: The platform provides access to various product categories, including electronics, mobile devices, and home goods.
• Transparent and Secure: PayAaramSe emphasizes the absence of hidden fees and prioritizes the security of user data.
• Convenience: With easy approvals and quick checkout processes, transactions are designed to be user-friendly.

Additionally, the platform accommodates payment through debit/credit cards and UPI for enhanced convenience. Whether for routine purchases or tech upgrades, PayAaramSe aims to simplify the shopping experience.

The process for utilizing PayAaramSe is straightforward:

1. Download the PayAaramSe app from the Play Store.
2. Grant the requested permissions, such as SMS access, to facilitate creditworthiness assessment.
3. Complete the KYC process by clicking on the designated banner.
4. Upload your Aadhar details, PAN card, and a selfie for CIBIL score evaluation.
5. Receive an instant loan limit based on your creditworthiness as assessed by both CIBIL and SMS data.
6. You will have access to two loan types:
   1. Pay Araam Se: A limit of up to INR 10,000/- available as an interest-free rotating loan for 30 days with repayment due by the 3rd of the following month.
   2. Pay Araam Se EMI: A loan amounting to INR 40,000/- available for purchases on EMIs at partnered stores. The EMI tenure can range from 3 to 12 months.

For example, a purchase of INR 40,000/- via a 12-month EMI plan incurs a processing fee of 2% plus GST, resulting in monthly payments of INR 3,899. Over the span of one year, this totals an interest payment of INR 6,794/- on the principal amount.

The platform's BNPL and EMI facilities provide consumer flexibility; users can order groceries online or make purchases at various network stores using installment plans.

For any queries or disputes, customers can reach out via email at [email protected].