Best 5 Pay Later Apps in India

Buy now, pay later applications allow users to shop and pay later. They are the same as credit cards, except where credit cards are not required. You may use these applications to shop on your favorite websites. You can even pay your bills and go food shopping.

The nicest aspect about these applications is that they allow you to borrow large sums of money with no collateral.

Here is a list of the best 5 pay later apps in India.

Best 5 Pay Later Apps in India

1. LazyPay

LazyPay is a PayU brand. LazyPay allows you to borrow between Rs. 10,000 and Rs. 1 lakh. Apply for a LazyPay personal loan with as few as three documents. Increase the loan repayment period from 3 to 24 months.


  • Loan amount Rs. 10,000 to 1 lakh
  • 100% digital process
  • Minimum documents required
  • Easily convert pay later credit limit to EMI.
 Interest rate18%  to 25% per annum
 Loan Amount Income From 10,000 to  1 lakh  
 Approval Process Online
 Income Required Rs. 30,000 per month
 Loan Tenure 3 months to 24 months
 Eligibility Age 22 years to 55 years
 Processing Fees 2% + GST
 Eligible For Salaried Person / Self Employed
Also Read: Best Pay Later Apps in USA

2. Paytm Postpaid

Paytm postpaid loans are another sort of loan provided through the Paytm app. For 30 days, you may acquire a Paytm postpaid loan of up to Rs. 60,000.

Pay cinema tickets, telephone, DTH, and power bills, and purchase online with your Paytm Postpaid balance.

This is an entirely paperless procedure. That means you don’t have to leave the house. You may apply from the comfort of your own home.


  • Approval within 30 minutes
  • 0% interest-free for up to 30 days
  • Up to Rs. 60,000 loan amount
  • Everyone can apply
  • Minimum documents required to apply
 Interest rate 0% Interest Rate for up to 30 days
 Loan Amount Up to Rs. 60,000/-
 Approval Process Online
 Loan Tenure 30 days
 Eligibility Age 18 to 65 years
 Processing Fees NIL
 Who Can Apply Self-Employed/ Salaried Person/ Student/ HouseWife
Also Read: 11 best personal loan apps in India

3. Slice

Slice is a Bengaluru-based company that assists Generation Z and millennials in India with credit card concerns. Slice has developed a new credit card with all of the capabilities of a credit card.

There are no annual fees or any hidden expenses with this card. Customers can also divide their spending and make payments across three months without incurring interest.


  • Slice card provides up to 10 lakh credit limit
  • Income proof does not require
  • Interest-free credit limit of up to 90 days
  • The fully digital loan process
 Credit Limit From Rs. 10,000 to 10 Lakh
 Age Criteria18 years or above
 Joining Fees Zero
 Annual Charges Zero
 Approval Process Online
 Rewards Points 2% of every transaction
 Interest-Free Up to 90 days
 Eligible Self Employed/ Salaried/ Student/ Housewife

4. Uni Card

Uni has created India’s first third-party payment card, which is backed by payment processor Visa Platinum. It is quite beneficial to individuals who have difficulty making complete payments. You may pay the balance in three installments on your 1/3 Uni credit card, with no additional fees.

One of the greatest EMI cards is the Uni Pay 1/3 card. Pay your monthly bills in three installments and receive a 1% bonus after the last payment.


  • Get a higher credit limit of up to 5 lakh
  • Joining fees doesn’t require
  • Reward points are available after full payment
  • Interest-free period up to 90 days
 Credit Limit Up to 5 Lakh
 Age Criteria18 years or above
 Joining Fees Zero
 Annual Charges Zero
 Approval Process Online
 Rewards Points 1% after full payment
 Interest-Free Up to 90 days
 Eligible Self Employed/ Salaried/ Student/ Housewife

5. ZestMoney

ZestMoney is an Indian fintech startup that specializes in consumer lending. A credit card is not required to obtain a shopping loan.

ZestMoney Shopping Loan offers a loan limit of up to 2 lakh.


  • ZestMoney provides up to 2 lakh credit limit
  • Payment through QR code scan
  • Don’t require a hard copy to apply
  • Instant approval
  • Everyone can apply
 Credit Limit Up to 2 lakh
 Interest rate 0% to 21%
 Approval Process Online
 Repayment Tenure 3 months to 18 months
 Processing Fees NIL
 Eligible For Self-employed/ Salaried/Student/Housewife
Also Read: Flipkart Pay Later

Documents Required For Buy Now Pay Later

Require the following documents for buy now pay later activation:

  1. Pan Card
  2. Aadhaar Card
  3. Bank Account
Also Read: RBL MoneyTap Credit Card Apply

Eligibility Criteria

  • The age must be between 18 and 65 years old.
  • You must be a resident of India.
  • Good Cibil Score required.

Bottom Line

These are the best 5 pay later apps in India. They are practical and simple to use. However, do not buy more than you can afford. To keep your credit score high, always pay your EMIs on schedule. Your credit score determined whether or not you were qualified for a credit limit.