PayCrunch is a microloan lending app which makes borrowing money for students easier. It also helps students in personal financial management by helping them track their transactions. A credit system is used to keep a track of a student's repayments, provide them with exciting bonuses to encourage wise financial management. What is unique about PayCrunch is that it has an offline feature so unavailability of internet is no longer an issue and it enhances accessibility throughout the country.