Lazy Pay India

Looking to pay later on your favourite merchants? Or understand more about your credit score? Look no further than LazyPay. LazyPay lets you buy now and pay later across merchants. You can pay the total every 15 days, without any interest. There are exciting merchant offers and cashbacks too. You can even use your LazyPay credit limit at any store that accepts UPI. And if the transaction is over INR 3000, you can convert it into EMIs.

Pay Later

Want to buy things and pay it later quickly? Just Buy Now, Pay Later (BNPL). Use our flexible no-cost payment options on your favourite merchants across 40k+ websites and mobile applications. With LazyPay’s BNPL services, you get a 30 day repayment period for your monthly transactions. So sign up today to get the credit that’s easy, instant and stress-free.

Merchant Offers

Craving a meal? Or a weekend getaway? You can use our services and look for Swiggy Coupons, Zomato Coupons, TataSky Coupons, MedLife Coupons and AbhiBus Coupons. Use LazyPay and get multiple offers, cash discounts as well as cashbacks while paying on your favourite applications.

Free Credit Score

Are you aware of what your credit score is? A healthy credit score ensures that you are eligible to get loans and saves you financial stress. You can use the free credit score check feature on the LazyPay app which would normally cost INR 1200 and find out your CIBIL credit score. This helps you instantly find out if you are eligible for a loan. It also helps keep a track of changes in your CIBIL score and improve your rating.

Instant Personal loan

Whatever your dreams and aspirations, LazyPay comes to your rescue with instant personal loans. This online loan can reach you within minutes. Our instant personal loans are cash loans where the lump sum amount is transferred to your bank account. The entire process is paperless making sure there is no contact with anyone during these trying times.

LazyPay is India’s leading online Instant Credit app offering its users a credit limit between Rs 10,000 to Rs 1 lakh with instant approval and zero collateral. Personal loan interest rates range from 15% to 32% p.a. with EMI tenures of 3 to 24 months. You can use it to travel, buy electronics, cover medical expenses, home renovations & more!

*Sample EMI Calculation*
Loan amount = Rs 10,000 Tenure = 6 months, @ interest rate of 18%* p.a.
EMI = Rs 1,755/- p.m.
Processing fee = Rs. 200
Total Payment = Rs. 10,730
* Interest rate varies

Join over 2 million fellow Indians using the LazyPay application daily to get instant personal loans, check their credit scores, and make payments easily.
Have questions? Reach out to us at wecare@lazypay.in or raise your query here: https://rewards.lazypay.in/contact-us/.

It is important to note, we believe in total transparency and data safety and security. All your information stored with us will never be shared with anyone for any reason.

Xpress Cash from 3,000 to 1 lakh with an Annual Repayment Period – 3 to 18 months. Percentage rate (APR) between 16-32% on a reducing balance basis
Revolve rates – 36% to 42% Revolve there is no period for repayment. It’s a monthly rolling feature
Convert to EMI – 3 month 24% | 6 month 26% Tenure basis- 3 to 6 months.

Declaration

LazyPay is a platform that only facilitates money lending by duly registered NBFCs to users and complies with all applicable laws including RBI’s Fair Practices code. The details of the registered NBFCs who are partnered with us are mentioned below: