# Paytm PostPaid: What is it? How to activate and get instant credit | How-to (HT Tech) > Paytm has a lending service called Paytm Postpaid. Know what it is and how to activate it. # Paytm PostPaid: What is it? How to activate and get instant credit ## Paytm has a lending service called Paytm Postpaid. Know what it is and how to activate it. Aug 21 2022, 23:18 IST ![Follow on Facebook](https://images.hindustantimes.com/tech/static/revamp/images/png/follow-us-facebook.png) ![Follow on Facebook](https://images.hindustantimes.com/tech/static/revamp/images/png/follow-us-facebook-hover.png) ![Share](https://images.hindustantimes.com/tech/static/revamp/images/png/Share.png) ![Share](https://images.hindustantimes.com/tech/static/revamp/images/png/Shareclicked.png) ![Share on WhatsApp](https://images.hindustantimes.com/tech/static/revamp/images/png/whatsapp.png) ![Share on WhatsApp](https://images.hindustantimes.com/tech/static/revamp/images/png/whatsapp-hover.png) ![Share on Twitter](https://images.hindustantimes.com/tech/static/revamp/images/png/twitter.png) ![Share on Twitter](https://images.hindustantimes.com/tech/static/revamp/images/png/twitter-hover.png) ![Share on Facebook](https://images.hindustantimes.com/tech/static/revamp/images/png/facebook.png) ![Share on Facebook](https://images.hindustantimes.com/tech/static/revamp/images/png/facebook-hover.png) ![Bookmark](https://images.hindustantimes.com/tech/static/revamp/images/png/Bookmark.png) ![Bookmarked](https://images.hindustantimes.com/tech/static/revamp/images/png/Bookmarked.png) ![The Paytm PostPaid service provides small ticket instant loans help users to deal with their household expenses, or shop at stores.](https://images.hindustantimes.com/tech/img/2022/01/06/1600x900/advertisements-vegetable-roadside-vendors-digital-wallet-company_f79e879c-c40e-11e9-9ed0-dd7a6b36c3ad_1641476015060.jpg) The Paytm PostPaid service provides small ticket instant loans help users to deal with their household expenses, or shop at stores. (Reuters) ![Author Photo](https://images.hindustantimes.com/tech/static/revamp/images/png/HTTech-new-circle-logo.png) ### By HT TECH Paytm is one of the most popular payment services in the country. Starting with the Paytm wallet a few years ago, Paytm now lets you make payments via UPI, pay bills, and even take small loans. yes, back in 0219, Paytm announced its lending service called Paytm Postpaid. Consisting of two services, Paytm PostPaid and Paytm PostPaid Mini, these plans further the “Buy Now, Pay Later” formular for customers. The Paytm PostPaid service provides small ticket instant loans help users to deal with their household expenses, or shop at stores. This service was launched in partnership with Aditya Birla Finance Ltd. ## How much money can you take on loan? The Paytm Postpaid Mini lets you take loans in the amount ranging from ₹250 to ₹1000. For those seeking more, they need to opt for Paytm Postpaid that can offer an instant credit of up to ₹60,000. Also read click here. ## What are loan terms, interest figures? Paytm says that the Postpaid service usually allows users a period of up to 30-days for repayment of loans at 0 percent interest. There is a small convenience fee but Paytm does not charge any annual fees or activation charges. ## How to activate Paytm Postpaid service Step 1: Log in to the Paytm app and type ‘Paytm Postpaid’ by clicking on the search icon on the top-right of the homescreen. Step 2: Next, select My Paytm Postpaid icon. Enter basic details (PAN, DOB) to get started with the onboarding process. Step 3: Complete the fully digital KYC process within a few minutes, as the user is not required to upload extensive documents. Step 4: Review the final loan offer and accept Terms and Conditions. Paytm Postpaid services will be activated instantly and the credit limit will be displayed under the ‘Accounts’ tab. 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