BharatPe UPI Payment, Loan App

BharatPe UPI Payment, Loan App

Bill Payments, Credit Card

14K ratings
25 reviews
Free

Details

  • Released
  • Updated
  • October 10, 2021
  • July 20, 2026

Features

BharatPe UPI Payment, Loan App screenshot #1 for iPhone
BharatPe UPI Payment, Loan App screenshot #2 for iPhone
BharatPe UPI Payment, Loan App screenshot #3 for iPhone
BharatPe UPI Payment, Loan App screenshot #4 for iPhone
BharatPe UPI Payment, Loan App screenshot #5 for iPhone
BharatPe UPI Payment, Loan App screenshot #6 for iPhone
BharatPe UPI Payment, Loan App screenshot #7 for iPhone
BharatPe UPI Payment, Loan App screenshot #8 for iPhone
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About

This financial app offers fast UPI payments, bill settlements, and instant cash loans up to ₹15 lakh. It also provides a lifetime-free credit card with uncapped rewards and lounge access. Enjoy fraud protection and earn rewards on every transaction.

Fast UPI payments
Bill and recharge payments
Instant cash loans up to ₹15 lakh
Lifetime free credit card
Earn rewards and Zillion Coins
Free fraud protection
UPI Autopay for bills
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What's New in BharatPe UPI Payment, Loan App

7.0.0

July 20, 2026

New features and experiences are here! We've strengthened the app's security and protection capabilities to deliver a safer and more reliable experience. Alongside these enhancements, we've made improvements to app stability and performance for smoother day-to-day usage. These improvements have been rolled out across the app to provide a more secure, seamless, and dependable experience.

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User reviews

Bad policies

I want to highlight an issue I faced while dealing with one of your executives regarding a waiver. As per BharatPay’s policy, only email validations are considered valid. However, the executive assured me over a phone call and WhatsApp that she would assist with waiving part of the interest since I had lost my job and couldn’t pay my bill for two months. She asked me to pay the remaining amount urgently, which I did.

Despite this, no waiver was applied, and the full amount was still reflected in the app. I reached out to her multiple times via WhatsApp, but my messages were ignored. Finally, I contacted customer support, but they insisted on a valid email proof of the waiver. How can I provide an email when the communication was conducted over a phone call and WhatsApp?

This experience has been frustrating and has undermined my trust in your services. I hope you can address this issue and ensure such incidents are prevented in the future.
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Terrible Experience - Unreliable and Intrusive

I had a very disappointing experience with Postpe. Despite having an approved limit, I found it extremely difficult to utilise the funds. The app constantly faced technical issues, making it impossible to access the credit.

Additionally, the customer service was unhelpful and unresponsive. What was even more concerning was their intrusive behavior. They reached out to my office and colleagues on LinkedIn without my consent, which was highly unprofessional and invasive.

I would caution anyone considering this app to be aware of these issues. There are better, more reliable options out there. It felt like a scam, and I regret trusting them with my financial needs.
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An Utter Disaster: Avoid PostPe Lenden App at All Costs

I don't even know where to begin with the sheer disappointment that is the PostPe Lenden App. This app is a nightmare from start to finish. Here are just a few of the myriad issues I faced:

1. **User Interface and Experience**: The interface looks like it was designed in the early 2000s and hasn't been updated since. It is cluttered, confusing, and downright ugly. Trying to navigate through the app is like trying to find your way out of a maze blindfolded.

2. **Performance**: The app crashes more often than it works. I can't count the number of times it froze, lagged, or outright refused to load. Every action takes ages, making even simple transactions a test of patience.

3. **Security Concerns**: I am seriously concerned about the security of this app. After entering my personal information, I started receiving spam messages and calls. I wouldn't be surprised if my data was being sold to third parties.

4. **Customer Support**: Non-existent would be an improvement over what they currently offer. Emails go unanswered, the support chat is always offline, and calling their helpline is a waste of time as it either disconnects or you get placed on hold indefinitely.

5. **Features**: The features they advertise are either missing or don't work properly. The promised seamless transactions are anything but seamless, and the app lacks basic functionalities that other similar apps offer effortlessly.

6. **Bugs and Glitches**: Bugs are rampant. From incorrect account balances to failed transactions that still deduct money, the list of issues is endless. It's clear that the developers didn't bother testing the app before releasing it.

In conclusion, PostPe Lenden App is a disgrace. It is unreliable, insecure, and impossible to use effectively. Save yourself the headache and look for a better, more reliable alternative. This app is not worth your time, money, or data.
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Fraud app

Hello everyone, please do not install this app, they will give you cashback in the app and later you cannot use the cashback, it is completely a fraud.

Don’t opt for such applications

According to me credit system is filth, the more you stay away the less stressed you are. Trust me, I understand that financial needs can come at any point in time. Being a responsible person you need to manage things out but when you are desperately in need and have no other option then opt for such NBFCs because these come with consequences. Their hidden charges are very lucrative and change every week (in an increasingly format). For some reason if you borrow funds from such applications ensure that you pay off under any circumstances. Such lenders destroy your CIBIL at a much greater rate than that of a personal loan or finance
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Developer apps

FAQ

What is BharatPe's primary function?

BharatPe is a comprehensive finance app designed for UPI payments, bill settlements, instant cash loans, and credit card management. It aims to be a one-stop solution for various financial needs.

How secure is BharatPe?

BharatPe offers FREE FRAUD PROTECTION on all transactions, providing a layer of security. The app is powered by Unity Small Finance Bank and approved by NPCI, indicating adherence to industry standards.

What are the repayment terms for loans and bill conversions on BharatPe?

For loans and bill-to-EMI conversions, repayment tenures range from 3 months to a maximum of 15 months. Users can also repay the full amount by the due date without incurring interest costs.

Does BharatPe offer a credit card?

Yes, BharatPe offers a Unity Bank BharatPe Co-Branded Credit Card that is lifetime free with no joining or annual renewal charges. It provides uncapped rewards on all spends and includes 2 free lounge access visits per quarter.

What is the APR range for loans and EMIs on BharatPe?

The Annual Percentage Rate (APR) on BharatPe ranges from 18% to 70%, depending on the loan amount, tenure, and specific conversion. This information is communicated within the app when converting bills to EMIs or taking a loan.

Can I automate my payments with BharatPe?

Yes, BharatPe features UPI Autopay, which allows users to effortlessly automate bill payments, recharges, EMIs, and subscriptions. This helps in managing recurring financial obligations without manual intervention.

What is the age rating for BharatPe?

BharatPe has an age rating of 17+, suggesting it is suitable for users aged 17 and above. This rating is based on the app's content and features.

How often is BharatPe updated?

The latest version of BharatPe is 5.0.1, and it was last updated on October 31, 2025. This indicates a recent update, suggesting ongoing development and maintenance.