Paizo - Instant Personal Loan

Paizo is a digital lending application owned and operated by Nice Finance and Leasing Private Limited, an RBI-registered Non-Banking Financial Company (NBFC). All loans are issued by Nice Finance and Leasing Private Limited.

At Paizo, we believe that access to financial assistance should be quick, simple, and inclusive. As a tech-driven digital lending platform, we are dedicated to serving the underserved and unbanked segments of society by offering hassle-free, unsecured personal loans.

Our Mission:

Our mission is to empower individuals who face difficulties in securing credit from traditional financial institutions. Whether it’s for an urgent medical expense, a sudden bill, or an essential purchase, Paizo ensures that fast, flexible, and reliable financial solutions are just a few taps away.

Who We Serve:

We are serving individuals who may not have easy access to traditional banking, including:

1) Salaried Persons – professionals and gig workers in need of short-term financial assistance

2) Self-Employed Individuals – small business owners, freelancers, and others without fixed monthly income but with consistent earnings

3) Unemployed Individuals – those currently between jobs or homemakers who may face sudden cash requirements

Age Criteria: 21 & above

Why Choose Paizo?

⚡ Instant Loan Approvals – get funds in minutes with AI-powered verification

📲 100% Digital Process – no paperwork, everything via app

🔑 No Collateral Required – fully unsecured loans

📑 Minimal Documentation – apply with just PAN, Aadhaar & basic details

🔄 Flexible Repayment Options – choose a plan that fits your needs

🔒 Secure & Private – bank-grade encryption keeps your data safe

Loan Highlights

Instant personal loans up to ₹20,000 from RBI-registered NBFC partners

100% digital application process, no collateral required

Loan tenure: Minimum 62 days, Maximum 270 days

Interest rate: Starting from 0.1% per day (36.5% per annum)

Processing fee: Up to 12% of loan amount + 18% GST

Maximum Annual Percentage Rate (APR): up to 120% (inclusive of all charges)

Representative Example (APR Disclosure)

For a loan of ₹2,000 with a tenure of 62 days:

Interest: ₹124 (0.1% per day)

Processing fee: ₹40 + ₹7 GST = ₹47

Total cost of loan: ₹171

Total repayment amount: ₹2,171

Effective APR: ~50%

How It Works

Download & Register – Sign up on the Paizo app

Apply for Loan – Select loan amount and tenure

Complete KYC – Submit PAN & Aadhaar details

Approval – Based on automated risk assessment

Disbursal – Funds credited to your bank account

Repayment – Via UPI, debit card, or net banking

Lending Partner Details

Loans are facilitated through RBI-registered NBFC:

Nice Finance and Leasing Private Limited

CIN: U65993RJ2016PTC049566

Registered Office:

F-4, H-21 A, Kuber Complex,

Bhagat Singh Marg, C-Scheme,

Jaipur, Rajasthan – 302001

About Paizo

Paizo is a mobile application owned and operated by Nice Finance and Leasing Private Limited.

The platform facilitates loan applications and connects users with RBI-registered lending partners.

Important Disclosures

Approval and loan terms are subject to lender’s risk assessment and regulatory guidelines

Interest rates, fees, and charges may vary based on customer profile and lender policies

Late repayment may result in additional charges as per lender terms

Customer Support

Email: info@nicefinance.in

Phone: +91 8690111558

Address: F-4, H-21 A, Kuber Complex,

Bhagat Singh Marg, C-Scheme, Jaipur – 302001