Get a personal loan with Google Pay


  • Google Pay is a facilitator between you and the lending partner. Google Pay doesn’t provide any loans or review your loan application.
  • Loan offers and the “Loans” section within the Google Pay app are only available to eligible users.

You can apply for a personal loan offered by participating lenders on the Google Pay app  .

Every month, your loan payment is automatically deducted from your chosen bank account.

Pre-qualified loans with DMI Finance

To avail a pre-qualified loan, you’ll first fill out a credit approval application which will be reviewed by the lending partner. If this application is approved, you’ll need to complete some additional steps (KYC, provide bank details, etc) to receive the loan.

  1. Open the Google Pay app.
  2. In the “Money” section, tap Loans. In the “Offers” tab, you’ll find the pre-qualified loan offers available to you. Optionally, you can tap the Google Pay loan offer notification.
  3. Select the pre-qualified loan offer you want to avail. You’ll be asked to give some personal details, like employment information.
  4. Tap Continue. You’ll get an OTP through SMS.
  5. Enter the OTP. 
  6. Tap Submit.

To check the status of your loan application:

  1. Go to the “Loans” hub. You’ll find the following status:
    • In progress: The lender is still processing your loan application.
    • Pre-approved: Your application is approved.
    • Not eligible: Your loan application was rejected. 
  2. Select the pre-approved loan. 
  3. Choose your loan amount and duration.
  4. Tap Review details.
  5. Fill out the required KYC information and bank details, which includes your repayment plan. This information should be updated on the partner bank site.
  6. Read the bank's terms and conditions.
  7. Tap Accept and apply. You’ll get an OTP through SMS.
  8. Enter the OTP.
  9. Tap Submit.

For more info on the status of your loan, contact the lender.

Fix problems

Am I eligible for a pre-approved or pre-qualified loan?

If you’re eligible for a pre-approved loan with your bank, you’ll be notified through:

  • A notification on the Google Pay app. If you believe you are eligible for a loan and don’t receive a notification, contact the lender.
  • The “Money” section in the Google Pay app for Loans. You can select any loan offers available to you.

I always get loan offers. How can I stop it?

For loan offers to stop, disable any of the following:
Tip: If personalization within Google Pay and Ad personalization are on, but your setting for personalization through web and app activity is turned off, you may still find offers for pre-approved loans.

Why can’t I find any loan offer in the Google Pay app?

These offers are either given directly by the lender (based on their discretion) or are based on:

  • Your Google Pay transaction data
  • Google’s estimate of your demographics, based on your activity on Google Pay and other Google services, like YouTube and Search, while signed in to Google
  • Lender’s personal loan eligibility criteria
  • Because you have disabled ad personalization, personalization with Google Pay, or personalization through web and app activity settings

Why is my loan application rejected?

Google Pay doesn’t review your application. Based on their eligibility criteria, the lending partner decides whether to accept or reject your application. For more information, contact the lender.

Need more help?

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