LazyPay: Loan App & Pay Later 4+

Loans | BNPL | Card | BillPay

PayU Payments Private Limited

    • Free

iPhone Screenshots


Get credit that’s easy, instant and stress-free. With LazyPay, you get a free credit limit upto Rs.10,000 that you can use across 45,000+ online stores and merchants! Just repay the total every 15 or 30 days, interest-free.

Here’s what you can do on LazyPay:


Checkout on your favourite merchants in just one-tap! It’s completely free. No extra charges, no hidden fees. Shop, buy, spend from your credit limit and pay just one single bill every 15 days.

• One-tap payments
• No OTPs, CVVs or PINs
• Repay just once every 15 days
• No interest and no hidden charges

◆ Get attractive discounts and offers on various merchants like Swiggy, Zomato, Myntra, Zepto and more.
◆ A quick, simple KYC makes your experience a lot smoother. If you complete your KYC with us, you can increase your credit limit (upto as much as Rs. 5 lakhs), and get 30 days to repay your dues (that’s double the normal billing period!). In case you’re unable to pay your bill, you’ll also have options to repay your dues in EMIs.

BillPay: Pay Utility Bills

[Currently open to select users]

With over 20,000+ supported billers, LazyPay allows you to pay utility bills with your credit limit. Pay electricity, gas, water bills in one-click; recharge FASTag, mobile postpaid, mobile prepaid, landline, DTH and more. Repay in one shot, along with your LazyPay dues, every 15 or 30 days.

XpressCash: Instant Personal Loans

LazyPay offers instant personal loans for all your needs, big or small. Get online loans within minutes and use it for anything you want - no questions asked. Our instant personal loans are cash loans where the lump sum amount is transferred to your bank account. The entire process is paperless and 100% digital, for your convenience.
Personal loan interest rates range from 12% to 36% p.a. with EMI tenures from 3 months upto 60 months.

XpressCash loans range from Rs. 3,000 to Rs. 5 lakh with an Annual Repayment Period (APR) from 3 to 60 months. Percentage rate (APR) between 12% - 36% on a reducing balance basis.

◆Sample EMI Calculation◆

For a loan amount = Rs 10,000 | Tenure = 6 months @ interest rate of 18%* p.a.
EMI will be = Rs 1,755/- p.m.
Processing fee = Rs. 200
Total Payment = Rs. 10,730
*Interest rate and processing fee may vary.

◆ Join over 20 lakh fellow Indians using the LazyPay app everyday to get instant personal loans, and make payments easily.
◆ We believe in total transparency and data safety and security. All your information is safe with us.
◆ Have questions? Reach out to us anytime at

Revolve rates - 36% to 42%. For 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.

LazyPay is a platform that only facilitates money lending to 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.
• PayU Finance India Private Limited (“PayU Finance”)

What’s New

Version 7.3.0

Arey beta, suno! Idhar ao jaldi... I heard there’s a new LazyPay update... And they’ve given the app a full-on makeover (even more than the bride had during Jayashri’s son’s wedding - hee hee)

They're saying the new app is like a digital party on my phone. Kya baat hai ji…I’ve also done my fair share of party-sharty back in the day - but those were inside our society’s complex, not on a tiny screen.

They've even made a fancy new Home page, Profile page, and PayLater page it seems. Sounds nice na? I was a bit sceptical, thinking it might be too complicated for an old-timer like me, but no, it's quite simple.

Meera ji was saying she paid her electricity bill on the app, and it was so easy. You can even get rewards. Back in the day, paying bills was its own kind of reward, beta.

But this whole party business on the phone, I'm not so sure... Kids and their tech lingo these days, hai na? I might give it a try, but if this is the future they better not forget the snacks, right?

Anyway, I better go tell Mrs Sharma about this! You update the app right now and check it out, okay dear? Jeete raho!

Ratings and Reviews

4.8 out of 5
129.2K Ratings

129.2K Ratings

Ricky pandit ,

Hats off/ great team of lazy pay

You know guys.i can’t die with hunger because I am having LazyPay my father’s pocket when I need money for food .just Ineed to login fp/zomato/swiggy/ n I ll get my food love u team . But yaar There is one big issue with your customer service team there was no response from last 1.5 month I have raised multiple tickets/mail but till now no reply ‘’ wrong email is updated in my account so I have requested for correction. And what you have Shown pictures in App Store for KYC page n for loan but in my app nothing like that .i am able to avail loan service . For KYC I have clicked multiple time in your add but after clicking just opened my app nothing else . I am using latest version in iOS . I hope you guys will take seriously this feedback and will work on it. And please add Uber eat n any cab app

Developer Response ,

Hey Ricky, we are glad to know that you are loving being #Lazy with us :) On the other hand, we are sorry for the minor issues that you have been facing. We request you to share your allotted case ID with us here and we shall take over your issue further and resolve the same for once and all.

therajdeepdas ,

Quick and no mess while ordering but a lot of mess while paying it back

So I gave a positive review to LazyPay but then here is what happened. When I tried to pay the amount to lazypay using my credit card and debit card it just opens up a window called transaction network services and says my browser should be configured to accept all cookies. Which it is, it’s a iphone and by default accepts cookies. So every time i try to pay this happens. I finally complained to lazypay using their app and several days later I get a ring today and says I have been charged 30 extra for late payment. To me 30 is not that big a deal but the very fact that if I would have used my credit card for payments I wouldn’t have had to pay that extra at all and the hassle tht I went through to pay the amount back and also that no one really looked at the complaint makes me think that I will have trouble using this in the future. I just paid it using google pay right now but I don’t think its good for me to use a payment service whose customer service is a bit dodgy. So from 5stars to two stars annnnd Uninstalling.

Developer Response ,

This is definitely not the experience we want you to have. We request you write us email to regarding the repayment issue from your registered contact details, so we can assist you further. ^TS

K sandeep kumar ,

Great effort of lazypay team but still needs fixes

I’m writing this review after sending many queries as to update regarding scan and pay feature and while I’m trying to avail loan facility through website it is showing as already number registered!!…what the hell was that I’ve not given my number till now in website but it stated as that and when I’m trying to set autopay feature in app it is automatically redirecting and stating as Autobill payment setup failed….as to the App there are many differences in interface compared to my friends and mine as to he can view his credit report or cibil score and using the app since last 1 yr & he got scan and pay and loan feature and updated app to see credit score but on my end there is nothing with respect to all those features even after being the lazypay customer since more than 2 and half years and there is no update on lazycard too even after I’ve given my consent for the same long ago.

Developer Response ,

LazyPlus UPI is not available for new users currently. If you’re interested to be notified when we open up LazyPlus UPI again, click the ‘Notify Me’ button within the ‘Scan & Pay’ tab. Please write us at so we can check about the card eligibility

App Privacy

The developer, PayU Payments Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Purchases
  • Location
  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Other Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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