| App Name | LazyPay |
| Loan Type | Instant Personal Loan |
| Loan Amount | Up to ₹5 Lakh |
| Interest Rate | Up to 32% PA |
| Repayment Tenure | 3 to 24 months |
| Verification Type | Online Digital Process |
| Review | 4.4 Star |
| Official website | lazypay.in |
LazyPay App Instant Personal loan: The LazyPay is one of India’s most convenient and fastest-growing digital lending platforms. Known for its “Buy Now, Pay Later” services, but now it has expanded its offerings to include instant personal loans of up to ₹5,00,000, making it a go-to solution for users who need quick access to funds without lengthy paperwork or long wait times.
LazyPay is a top-rated instant personal loan app with 1+ crore downloads on the Google Play Store and a 4.4-star rating. Need urgent funds? Install the LazyPay App now and get an instant Personal loan of up to ₹5 lakhs with a 100% digital process. With fast approval and flexible repayment, LazyPay makes borrowing simple.
LazyPay App Instant Personal loan
LazyPay is a BNPL (Buy Now, Pay Later) and instant loan app that provides:
✅ Quick loans: ₹1,000 – ₹5 lakhs
✅ Fast approval: Disbursal in 10 minutes – 24 hours
✅ Flexible tenure: 3–36 months
✅ No collateral: Unsecured loans for salaried & self-employed
Best for: Urgent expenses, online shopping, or bill payments.
Eligibility Criteria
To qualify, you need:
✔ Age: 21–60 years
✔ Income: ₹15,000+ monthly (salaried/self-employed)
✔ Credit Score: 650+ (relaxed for first-time users)
✔ Documents: PAN, Aadhaar, Bank statements
How to Apply Personal Loan from LazyPay?
Step 1: Download the App
- Install LazyPay from the Google Play Store.
- Register with your mobile number.
Step 2: Complete KYC
- Upload PAN & Aadhaar (e-KYC verification).
- Enter employment & bank details.
Step 3: Select Loan Amount
- Choose amount (₹3K–₹5L) & tenure (3–36 months).
- Check EMI breakdown.
Step 4: Receive Funds
- Approval in 10 minutes – 24 hours.
- Amount credited to your bank account directly.
Similar Loan App:
LazyPay Interest Rates & Charges
- Interest: 1.5%–2.5% per month (18%–30% p.a.)
- Processing Fee: 0%–3% (depends on profile)
- Late Fee: 2% per day (on overdue EMIs)
- Prepayment: 0%–3% charges
Pros & Cons of LazyPay App Instant Personal loan
| ✅ Advantages | ❌ Disadvantages |
|---|---|
| ✔ Instant disbursal (as fast as 10 minutes) | ❌ High interest rates (up to 30% p.a.) |
| ✔ No collateral or guarantor needed | ❌ Short max tenure (36 months) |
| ✔ Flexible repayment (up to 36 months) | ❌ Limited to pre-approved users |
| ✔ Low CIBIL impact (soft credit check) |
LazyPay Customer Care
- Email: support@lazypay.in
- Phone: 02269821111 (MON to SUN 10 AM to 7 PM).
- App Chat: 24/7 support
Final Verdict
LazyPay is ideal for quick, small-ticket loans and shopping EMIs due to its instant approval. However, the high interest rates make it costly for long-term borrowing. In 2025, LazyPay has proven itself as a fast, reliable, and easy-to-use personal loan app that supports the financial needs of India’s young population. Whether you’re facing a mid-month cash crunch or planning a short trip, LazyPay’s instant loan of up to ₹5 lakhs is a trustworthy option.
👉 Download the app, check your eligibility, and get your loan disbursed within hours!
