LazyPay Loan App is one of India’s most popular Buy Now Pay Later (BNPL) and personal loan apps that helps users shop, recharge, pay bills, and even take small loans instantly.
Powered by PayU Finance, LazyPay allows users to enjoy short-term credit limits with 100% online approval and zero paperwork.
⚡ Download LazyPay Loan App
📱 Top 5 Apps Similar to LazyPay
- 1️⃣ Slice Loan App – Instant credit card alternative
- 2️⃣ Simpl Pay Later – Shop now, pay later app
- 3️⃣ KreditBee – Instant loan & credit limit
- 4️⃣ PaySense – Flexible EMIs and personal loans
- 5️⃣ MoneyTap – Credit line & EMI-based loan
🌟 LazyPay App Overview
- 💰 Credit Limit: ₹500 – ₹1,00,000
- ⏱️ Approval Time: 5 minutes (AI-based check)
- 📄 100% Paperless Application
- 📆 Repayment Tenure: 15 days to 24 months
- 🏦 RBI-registered NBFC backed (PayU Finance India Pvt. Ltd.)
- 💳 Accepted on 1000+ merchant sites & apps
📋 Eligibility Criteria
- Applicant must be an Indian resident aged 18–55 years
- Must have a valid PAN and Aadhaar card
- Regular monthly income (salary or business)
- Active mobile number & bank account required
- Good repayment history improves credit limit
📑 Documents Required
- ✅ PAN Card (Identity Proof)
- ✅ Aadhaar Card (Address Proof)
- ✅ Bank Account Linked with UPI
- ✅ Selfie for verification (App camera)
⚙️ How to Apply for LazyPay Loan
- Download the LazyPay app from Play Store or click the download link above.
- Register using your mobile number and verify via OTP.
- Complete your KYC with PAN and Aadhaar.
- Check your instant credit limit.
- Use your LazyPay balance to pay bills, shop online, or take a personal loan.
💸 LazyPay Loan Interest Rate & Fees
- Interest Rate: 15% – 28% p.a.
- Processing Fee: ₹99 – ₹999 depending on amount
- Tenure: 15 days – 24 months
- Prepayment: Allowed without penalty
- Late Payment Charges: ₹250 – ₹600
📊 Example EMI Calculation
Loan Amount: ₹10,000 | Tenure: 3 months | Interest: 20% p.a.
EMI = ₹3,450/month | Total Payable = ₹10,350 approx.
🔥 Features of LazyPay Loan App
- Instant approval & disbursal
- Flexible repayment plans
- Pay Later option for online shopping
- Zero hidden charges & 100% digital
- Trusted by over 30 million users in India
💼 Use Cases of LazyPay
- 🛒 Online Shopping (Amazon, Flipkart, Swiggy, Zomato)
- 📱 Mobile Recharges & Bill Payments
- 💳 Short-Term Personal Loans
- 🎁 Festival & Travel Expenses
- 🏫 Education & Emergency Funding
📞 LazyPay Customer Support
Email: care@lazypay.in
Website: www.lazypay.in
Helpline: +91-22-4005-4350
📘 FAQs – LazyPay Loan App
Q1: Is LazyPay safe to use?
👉 Yes, LazyPay is operated by PayU Finance, an RBI-registered NBFC.
Q2: Does LazyPay provide personal loans?
👉 Yes, eligible users can take up to ₹1 lakh as personal loan.
Q3: Can I pay my credit later?
👉 Yes, use “Buy Now Pay Later” and clear dues before the billing date.
Q4: Does LazyPay charge processing fees?
👉 Yes, between ₹99 and ₹999 depending on your loan amount.
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⚠️ Disclaimer
This page is for informational and educational purposes only.
We do not promote LazyPay or guarantee approval.
All offers are subject to LazyPay’s policies. Visit the official website for accurate updates.