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As one of India’s first online loan providers, LazyPay offers its users a limit of up to Rs. 1 lakh! Get approved for an instant personal loan at zero collateral. You can borrow as low as Rs. 10,000 from your limit, at personal loan interest rates ranging from 15% to 32% per annum for 3 to 24 months and use it freely for travel, family functions, electronics, medical expenses & more!

EMI Calculation:
For a loan amount of Rs. 10,000 availed for 6 months, at an interest rate of 18%* per annum, the EMI will be around Rs. 1755. We will charge a processing fee of Rs. 200 on the loan amount.
* Interest rate varies

With over 1.5 million+ active users, LazyPay has been able to meet the daily needs for credit across India. Completely digitally driven, with an easy application process and no bank visits; you get access to funds for all the things you’ve been saving up for with easy personal loans!

Every user who need personal loan can check their eligibility in minutes with no commitment, apply for a credit limit & use it in the form of a personal loan, for interest-free shopping on different apps & websites or to convert large purchases into Instant EMIs at affordable interest rates.

Understanding your LazyPay Credit Limit
- Signing up for LazyPay is simple, in just 3 steps!
- Once you’ve completed your personal loan online apply setup, you get a unique Credit Limit on your instant loan app, which you can use freely for any personal need.

LazyPay Personal Loans
With quick approvals & secure online processing, getting a personal loan via LazyPay is super convenient! Keep your documents handy, to complete sign up using the instant loan app.

What Documents do I need for Personal Loan application?
Keep these documents handy to speed up the sign-up process for instant personal loan
1. Identity proof
2. Address proof
3. Bank Details
4. Selfie
5. Photo of your signature

How do I apply for a LazyPay Personal Loan?
We’ve made it super easy for you, instant personal loan application in just 3 steps:

1. Quick Sign-up in App - Using mobile number & PAN you can check your limit in seconds
2. Complete Application - Keep your documents handy to complete the process
3. Get Your Money - Now you can withdraw up to Rs. 1 lakh as instant personal loan online

Experience the LazyPay Advantage
1. Easy Digital Sign-up - Check your eligibility for a limit in minutes, with just a few details
2. Credit Available On The Go - Get up to Rs. 1 lakh online loan on set-up & use freely anytime, anywhere!
3. Secure Process - We maintain the highest level of security, rest assured all your information is safe with us
4. Minimal Documentation - With just your PAN, Aadhaar & photograph; you can get access to funds
5. Credit Available for A Lifetime - When you make timely repayments, your credit is once again available to use for all the things on your wish-list!

LazyPay Cardless EMIs
LazyPay also offers a Cardless EMI facility using which you can shop online. With a convenient payback period and affordable interest rates, you can convert all their high-value purchases into pocket-friendly EMIs!

Interest-free shopping via LazyPay
Pay in one go using LazyPay! Available as a checkout option on 100+ apps & websites - you can select ‘Pay Later via LazyPay’ and pay in One Tap!

You will receive a consolidated bill (of all your purchases during the period) on the 1st and 16th of every month, and you can choose any convenient payment mode to pay us back.

So, you get a 15-day interest-free period to shop, go for movies, order in some lip-smacking meals & we’ll keep track of all these small purchases and send you reminders about your LazyPay Bill via SMS, Email & WhatsApp so you never miss your due-date!

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

Need Help?
You can reach out to us at wecare@lazypay.in or raise your query here: https://rewards.lazypay.in/contact-us/

What’s New

Version 2.5.0

• Improved KYC process for better assistance through your LazyPay setup
• Bug fixes now ensure a smoother in-app experience

Ratings and Reviews

4.8 out of 5
9.7K Ratings

9.7K Ratings

SANJU_1991 ,

Superb app

It’s an amazing app.. From past 5 months I’m using LazyPay and 100% of my Swiggy payments are paid through LazyPay.. And no charges on any payments except only if you pay after due date,only Rs:10/- is charged perday.. Apart from that your account is not blocked even though your due date is over .. Will get grace 15 days time.. And as you spend more and pay timely they will increase our credit limit.. Do do download and use this app..

Developer Response ,

Hey Sanju, we appreciate your kind words :) Keep transacting and #BeLazy ;)

hhhhjggbn ,

Good for Swiggy,Tomato, BookMyShow etc...Don’t Map for autopay

I am using pat 1 yr and frequently using for food and movie ticket purchase. I never delay any payment till now.
I got an offer for personal loan and I shared all of my bank details. Instead of PL they took my confirmation for Auto deduction of payments and I came to know that post submitting all the details.
They won’t provide any PL and they will make us fool and they will add auto pay without our concern.
Except this I have a good experience with them.

Developer Response ,

Hey, we're sorry about this. Kindly help us with your registered contact details and our team will get this checked for you now.

Deva - ,

Worst customer Care

3 of my friends had faced worst experience with lazypay. So, I don’t want to use this and get myself into trouble.
Even my colleague lost 395/- rupees with this guys and she fighter like crazy with this people. She is literally disappointed with this guys. Whatever it is, mouth publicity is very bad in my circle. So, I uninstalled the app now and don’t want to get myself into trouble. “Prevention is better than cure.” I am following this with lazypay team.

One more important thing - most of the social media is showing the bad rating and 70+ % of bad reviews and here in app store, I don’t know how lazypay have such a high rating and that too with 5* - I guess they had purchased the stars. GOD KNOWS - NO COMMENTS

Developer Response ,

Hi Deva, we would never want our customers to face issues with our services. If you could help us with the details of your friends, then we'll make sure to help them out. You can also reach us directly at wecare@lazypay.in for any further assistance needed.


PayU Payments Private Limited
89.7 MB

Requires iOS 10.0 or later. Compatible with iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XS, iPhone XS Max, iPhone XR, iPad Air, iPad Air Wi-Fi + Cellular, iPad mini 2, iPad mini 2 Wi-Fi + Cellular, iPad Air 2, iPad Air 2 Wi-Fi + Cellular, iPad mini 3, iPad mini 3 Wi-Fi + Cellular, iPad mini 4, iPad mini 4 Wi-Fi + Cellular, 12.9-inch iPad Pro, 12.9-inch iPad Pro Wi-Fi + Cellular, iPad Pro (9.7-inch), iPad Pro (9.7-inch) Wi‑Fi + Cellular, iPad Wi-Fi (5th generation), iPad (5th generation) Wi‑Fi + Cellular, iPad Pro (12.9-inch) (2nd generation), iPad Pro (12.9‑inch) (2nd generation) Wi‑Fi + Cellular, iPad Pro (10.5-inch), iPad Pro (10.5-inch) Wi‑Fi + Cellular, iPad (6th generation), iPad Wi-Fi + Cellular (6th generation), iPad Pro (11-inch), iPad Pro (11-inch)Wi-Fi + Cellular, iPad Pro (12.9-inch), iPad Pro (12.9-inch) Wi‑Fi + Cellular, iPad mini (5th generation), iPad mini (5th generation) Wi-Fi + Cellular, iPad Air (3rd generation), iPad Air (3rd generation) Wi-Fi + Cellular and iPod touch.



Age Rating
Rated 4+
© 2019 PayU Payments Private Limited


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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