Now enjoy the freedom to make UPI payments even when your bank account is low on funds, with the new PhonePe Credit Line. This feature gives you instant access to a pre-approved credit limit, which you can use directly through UPI at any store or app that accepts UPI payments. No need to enter card details or go through lengthy approvals—just activate your credit line, choose it as your payment option, and pay instantly. Whether you're shopping, paying bills, or ordering food, PhonePe Credit Line ensures your transactions go through smoothly, every time. Backed by trusted lending partners and built with the highest security standards, it offers flexible repayment options and complete transparency. Check your eligibility in the PhonePe app and unlock seamless, stress-free payments today.
Instant credit when you need it
💸 Zero balance? No problem! Use credit to complete transactions
⏱️ Instant approval in minutes
🛒 Shop anywhere UPI is accepted
📆 Flexible repayment options
🔒 100% safe & secure
How to Use PhonePe Credit Line on UPI – Step by Step:
Check Eligibility
Open the PhonePe app and go to the “Credit Line” section to see if you’re eligible for a pre-approved credit limit from our trusted lending partners.
Activate Instantly
If eligible, complete a quick KYC (if required) and activate your credit line in just a few minutes—no paperwork or long wait times.
Get Your Credit Limit
Once activated, your credit limit will be linked to your PhonePe account, ready to be used for any UPI payments.
Make UPI Payments
When you’re making a payment through PhonePe, simply select the Credit Line option at checkout instead of your bank account.
Complete the Payment
Your payment will be processed instantly using the available credit limit. The merchant gets paid right away—just like any normal UPI transaction.
Repay Later
You can repay the used amount later, either in full or through easy EMIs, depending on the plan offered by the lender.
Track & Manage Easily
Stay on top of your spending and repayment schedule directly from the PhonePe app. Get reminders, statements, and repayment options in one place.
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