LazyPay

Indian pay-later and instant credit app for online checkout and small personal loans

FreeBuy now, pay later apps

Updated Nov 7, 2026 · AppBreakup editorial · Android, iOS, Web

Visit LazyPay See 3 alternatives

Is LazyPay free?

Yes, free to use

Switch from LazyPay to

All 3

Snapmint
Free
Kr
KreditBee
Free
Moneyview
Free

Verified facts: 5 of 5
Alternatives ranked: 3
Approved reviews: 0
Visits sent from here: 0

About LazyPay

LazyPay is an Indian credit app that combines a buy now, pay later checkout option with instant personal loans. After a quick eligibility check you get a PayLater limit you can use at checkout on partner shopping, food and travel sites, then settle the combined bill later, typically within 15 days. Its XpressLoan product sends a personal loan to your bank account with EMI plans that run from a few months to two years, and it also offers no-cost and low-cost EMI options at some merchants. It belongs to the PayU group, so it shows up at many checkouts that use PayU payments. There's no fee to sign up; LazyPay earns from interest, processing fees and merchant fees, and loan rates depend on your credit profile. It runs as an Android and iOS app and as a checkout option on the web. It's only for Indian residents, and late payments add charges and can hurt your credit score.

Best for: Indian shoppers who want short pay-later credit at checkout or a small, fast personal loan.

What works

One PayLater limit works across many partner merchants
Instant personal loans with flexible EMI tenures
Widely available at checkouts that use PayU

Why people leave

Personal loan interest can run as high as 32% a year
A processing fee is charged on loan amounts withdrawn
Only available to Indian residents

LazyPay vs Snapmint, KreditBee and Moneyview

From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.

Attribute	LazyPay	Snapmint	KreditBee	Moneyview
Pricing	Free	Free	Free	Free
Verified price	—	—	—	—
Free plan	Free app	Free app	Free app	Free app
Open source	No	No	No	No
Self-hostable	No	No	No	No
Platforms	Android, iOS, Web	Android, iOS, Web	Web, iOS, Android	Web, Android

Top LazyPay alternatives

See all 3

1
Snapmint
Lets you split purchases into EMIs without a credit card, with its own store of deals.
68.8
2Kr
KreditBee
Indian instant loan app offering larger personal loans and credit lines.
54.4
3
Moneyview
Indian personal loan app with longer tenures for bigger borrowing needs.
52.6

Why people left LazyPay

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

No switching stories yet. If you moved away from LazyPay, review the app you switched to and tell us why.

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LazyPay: common questions

What is LazyPay?

LazyPay: Indian pay-later and instant credit app for online checkout and small personal loans. Best for indian shoppers who want short pay-later credit at checkout or a small, fast personal loan. Available for Android, iOS and Web.

Is LazyPay free?

Yes, LazyPay is free to use.

Is LazyPay open source?

No, LazyPay is not open source.

What platforms does LazyPay run on?

LazyPay is available for Android, iOS and Web.

What are the best alternatives to LazyPay?

The highest-ranked LazyPay alternatives right now are Snapmint, KreditBee and Moneyview. See the full ranked list for pricing, platforms and verified facts.

LazyPay vs Snapmint: what's the difference?

Both LazyPay and Snapmint are free to use. Both run on Android, iOS and Web.

See all 3 LazyPay alternatives

LazyPay facts

5 of 5 verified

PayLater repayment: Within 15 days; Checked Nov 7, 2026lazypay.in(opens source in a new tab); “Pay back your dues in 15 days.”
Maximum XpressLoan: Up to Rs 5 lakh; Checked Nov 7, 2026lazypay.in(opens source in a new tab); “Upto Rs. 5 lakh in your bank account instantly.”
Loan interest rate: 15% to 32%; Checked Nov 7, 2026lazypay.in(opens source in a new tab); “The rates of interest usually range between 15% and 32%.”
Processing fee: 2% of amount withdrawn; Checked Nov 7, 2026lazypay.in(opens source in a new tab); “There is a 2% processing fee on the amount withdrawn.”
EMI tenure: 3 to 24 months; Checked Nov 7, 2026lazypay.in(opens source in a new tab); “You can choose from flexible EMI plans that cover around 3-24 months.”