Instant Personal Loan Online App - LazyPay


LazyPay is India’s leading online loan 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 for travel, family events, weddings, buying electronics, 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
* Interest rate varies

Over 2 million+ Indians use LazyPay daily. Completely digitally driven, with an easy one-time application process and no bank visits; you get instant access to funds. So say goodbye to waiting for that salary or salary advance, LazyPay truly provides Kredit on tap!

Check your eligibility in minutes with no commitment right from the LazyPay loan app to activate your credit limit for personal loans, to pay later with interest free 15 day credit or to shop online by converting large purchases into instant EMIs at affordable interest rates.

LazyPay Cardless EMIs
LazyPay also offers a Cardless EMI facility, which you can use to shop online. With convenient payback period options and affordable interest rates including No cost options, you can convert all your high-value purchases into pocket-friendly EMIs on your favorite websites and apps! You can avail this facility by completing the same steps listed above for instant personal loans.

Interest-free shopping via LazyPay Pay Later
LazyPay also offers a pay later option with interest free 15-day credit at checkout when you shop on your favorite apps such as Swiggy, Zomato, MakeMyTrip, Goibibo, BookMyShow, TataSky, Dunzo, Flipkart, Rapido and more!

How do I apply for a LazyPay Personal Loan?
Availing an instant personal loan is super easy and can be completed in 3 steps:

1. Check eligibility in the App - Using mobile number & PAN you can check your limit in seconds
2. Complete Application - Keep a few documents such as Aadhar card, proof of current address and PAN card handy to complete the process
3. Get Your Money – Setup your bank account to receive the funds and auto debit your EMI’s

What all do I need for Personal Loan application?
You will need the following documents handy. You will just need to upload them to our app when promoted from the steps below.
1. PAN Information
2. Identity proof such as Aadhar Card
3. Current address proof such as rent agreement, electricity bill etc.
4. Bank Details – Bank name, account number and ifsc code
4. Selfie
5. Photo of your signature

How do I avail LazyPay’s EMI facility for shopping?
Just complete the one-time loan application process as above and get access to all of LazyPay’s credit products including shopping on EMI, No cost EMI and more in one tap!

How do I avail LazyPay’s pay later 15 day interest free credit?
LazyPay’s interest free pay late credit is available to over 40Mn Indians on checkout at their favourite apps without any documentation. You can check if your eligible for the same by downloading the LazyPay loan app and checking your active credit limit.

Can I increase my pay later credit limit?
Your credit limit increases as you keep using LazyPay to pay on your favorite apps and clear your outstanding with us on or before due date. You may also enhance your credit limit by providing us with basic information on the LazyPay loan app.

How do I make a repayment for my LazyPay pay later outstanding?
You can pay your LazyPay pay later outstanding on the 3rd and 18th of each month on the LazyPay loan app via Net banking, debit card, credit card or UPI.

Security & Privacy
Data security & privacy is given top priority at LazyPay. We comply with the highest security standards & protocols.

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Additional Information

May 8, 2020
Current Version
Requires Android
5.0 and up
Content Rating
Offered By
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