postpe - shop now pay later

get up to 10 lacs in just 60 seconds with postpe and live life to the max! enjoy 30 days of interest free credit, scan and pay on all BharatPe QRs and get up to 3 lacs of instant cash loan with postpe cash.

don’t pay, postpe!

* scan and pay: scan any BharatPe QR codes to pay using your postpe credit limit

* send money: transfer your postpe credit limit directly to your bank account

* postpe cash: get instant cash of up to 3 lacs in your bank account & repay with easy EMIs for up to 15 months

* cashbacks and rewards

* convert your bill to easy EMIs

* one bill, multiple transactions - postpe aggregates all your transactions and generates one bill

How to use postpe?

Download the postpe app

Sign up using phone number

Complete your KYC

Start transacting with postpe

When do I have to repay?

* Bill is generated on the 1st of every month. You can repay within 5 days of bill generation or convert to EMIs.

* You can pay your bill using any UPI app, debit card or net banking.

EMI calculation:

postpe extends credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral for a tenure upto 15 months

Repayment Terms:

Bill is generated every month. Users have option to convert bills to EMIs from 3 months upto 15 months. Users can also repay bill in full at no interest cost by the due date.

postpe loan repayment tenure ranges from minimum of 3 months to a maximum of 15 months

Annual Percentage Rate (APR):

Ranges from 18% - 70%. APR is communicated on the postpe App while converting bill to EMIs or taking postpe loans. APR will be different for different tenures of EMIs.

Example of postpe cash:

* Amount chosen by user: Rs. 1,00,000

* Tenure: 12 months

* Interest Rate : 18% per year (reducing)

* Processing fees: 2.5%

* Repayment Amount: Rs. 1,11,196

* Total Interest Payable: Rs. 11,196

* Processing Fees (incl. GST): Rs. 2500

* Monthly installment (EMI): Rs. 9266.32

* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.2,500 + Rs.11,196 = Rs 13,695

* APR : 24.8%

An example of Bill to EMI conversion:

* Amount converted into EMI: Rs. 1,00,000

* Tenure: 6 months

* Interest Rate (APR): 18% per year

* Repayment Amount: Rs. 1,09,000

* Total Interest Payable: Rs. 100,000 x (18%/12)*(6 months) = Rs. 9,000

* Processing Fees (incl. GST): Rs. 0

* Monthly installment (EMI): Rs. 18,166.67

* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.9,000 + Rs.0= Rs. 9,000

Permissions:

As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding (Send and Receive SMS) from the user's device to authenticate and authorize payments. We also take permissions like Location and Contacts to provide additional data points that enable our partners to underwrite you better. You can check the Privacy Policy for details - https://postpe.app/privacy.html

NBFC partners:

postpe is a platform and does not give out loans directly to users. postpe has partnered with RBI approved NBFCs - LendenClub(Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd and Liquiloans(NDX P2P Private Limited). postpe credit limit is sanctioned by one of the NBFCs listed above. You will be shown a sanction letter of the NBFC on the app and shared as a notification.

Please note that postpe is the brand name of the application launched by Resilient Innovations Private Limited (BharatPe). BharatPe is our developer name.

Contact Us:

Reach out to us for any queries and suggestions. Our contact details are :

Address: 7th Floor, Tower 8C, Cyber City, DLF City Phase 2, Gurugram, Haryana, 122008

Email: help@postpe.app

Website: postpe.app