Turn your phone, laptop, bike or gold into instant cash
Loans against your mobile phone, laptop, tablet, bike / scooter or gold. Get your loan estimate within 10 minutes, hand it over, and get money straight into your bank account.
10 min
Loan estimate
₹0
Self drop-off
🚚
Doorstep pickup
Quick loan estimate
No sign-up needed. Just a rough idea in seconds.
You could get
…
How it works
1
Upload product
Add photos and a few details. Get your loan estimate within 10 minutes.
2
Schedule handover
Our agent picks it up from your doorstep, or drop it off yourself for free.
3
Add bank account
After inspection we transfer the approved amount to your account.
4
Track in wallet
See what you owe, bonuses earned and every transaction in one place.
What you can get a loan on
Mobile phones
iPhone, Samsung, OnePlus & more
Laptops
MacBook, Windows, gaming laptops
Tablets
iPad, Galaxy Tab & more
Bikes & scooters
Activa, Splendor, Pulsar & more
Gold
Jewellery & coins, 14K to 24K
Money when you need it, without the paperwork
Fees due, a trip with friends, or an emergency at home? Use the phone, laptop, tablet, bike or gold you already own to get cash, and get them back when you repay.
-
✓
No CIBIL or salary slip needed
Your product is the only guarantee. Perfect for students with no credit history.
-
✓
Estimate in 10 minutes
Upload a few photos and our team shares your loan range quickly.
-
✓
Money straight to your bank
Once we receive and check your product, the amount is sent to your bank account.
-
✓
₹100 welcome bonus
Get a bonus on your first loan and use it to pay your dues.
Your product is safe with us
We treat your things like our own. Every product is sealed, insured and stored in a secure locker until you repay.
🛡️
Fully insured
Covered against damage and theft.
🔒
Secure lockers
Sealed in front of you, with CCTV.
📦
Same condition
Returned exactly as you gave it.
🔍
Clear charges
No hidden fees. Track everything in your wallet.
Frequently asked questions
Who can take a loan on Punify? +
Any college student aged 18 or above with a valid college ID and a bank account in their name.
How much money can I get? +
It depends on the product, its condition and age. Use the quick estimate above for a rough idea; after you upload, our team shares your exact range within 10 minutes.
How is gold valued? +
By weight and purity (karat) at today's gold rate. We lend up to 75% of the gold value. Stones and other metals are not counted, and purity is checked at our hub before the loan is sent.
How do I give my product? +
Choose doorstep pickup and our agent collects it from your hostel or home, or drop it off at our hub for free.
When will I receive the money? +
As soon as we receive and check your product, the approved amount is sent to the bank account in your profile.
How long can I keep the loan? +
Repay within 30 days, in full or in parts. One-time charges, no compound interest.
How do I get my product back? +
Once your dues are fully paid, your product is returned to you in the same condition.
What is the bonus and how do I use it? +
You get a ₹100 bonus on your first loan, plus 40% of the interest paid by every friend you refer. While paying, you can use up to 20% of your bonus balance to reduce the amount you pay.
Still have a question?
Ready to unlock cash from your phone, laptop, bike or gold?
Join students who use Punify to handle fees, trips and emergencies, without asking anyone for money.
Get started, it's free