LazyPay: Loan App & Pay Later vs Capital Now: Instant Cash Loan Usage & Stats

India's most trusted app for salaried individuals to avail instant personal loans. Apply for a quick online loan and get instant funds - anytime, anywhere, with no hidden charges. An experience you would enjoy at every step of your journey, with rewards that make your day. 100% Safe 100% Secure Key Features: Instant Personal Loans: Personal loans, which are effortless and instant with repayment periods from 3 to 6 months. Loan Against Mutual Funds: Leverage your mutual funds without liquidating, FYI MF loans are cheaper than personal loans. Bill Payments & Recharges: Seamlessly pay utility bills, mobile recharges, and more via the Bharat Bill Payment System (BBPS) directly from the app. Pocket-Friendly Rates: Enjoy competitive rates starting at just 1.5% per month. 100% Paperless Application: Quick approval without tedious paperwork. Cashback & Rewards: Welcome to the world of rewards - earn real and effortless rewards on every transaction Refer & Earn: Earn up to 10,000 rs every month through our refer and earn program. Zero Foreclosure Charges: Enjoy the freedom to pay off your loan early without any extra fees—no hidden costs! Eligibility Criteria: Age: 21+ Nationality: Indian Income: ₹22,000+ monthly income Documents Required: Valid PAN, Aadhaar card, Recent Salary Slip or Income Proof Instant Cash Loans: Capital Now offers instant personal loans with transparent terms, low fees, and fast disbursal. Loans are so easy that you can complete the process while sipping your coffee. Sample calculation of a personal loan: >Amount: ₹50,000 >Tenure: 6 months >Rate of Interest: 24% p.a. >Processing Fee: ₹2,500 >GST on Processing Fee: ₹450 >Total Interest: ₹6,000 >EMI: ₹9,333 >APR: 36.30% >Total Repayment Amount (Loan amount + Interest): ₹56,000 *Note – All the above numbers are for representation only. The final interest rate or processing fee may vary depending on the profile assessment. Maximum APR up to 41.08% Bills Payments and Recharges: With the Capital Now app now enjoy BBPS services and win exciting rewards Pay electricity bills, broadband bills, landline bills, water bills, book cylinders, pay CC bills, Repay loans, recharge fastag, home rent and many more Loan Against Mutual Funds: Unlock liquidity without selling your investments. Pledge your mutual fund units and access funds with competitive rates and flexible repayment terms. Rates as low as 8% p.a Why Choose Capital Now? Transparent Loan Terms: Loans that are clear and honest, with No hidden fees. No hefty Charges: We don’t charge excessive penalties. Flexible Repayment Options: An instalment plan that fits your budget, with zero foreclosure charges. Rapid Approval Process: Get approved within minutes and funds are disbursed promptly. 24/7 Customer Support: Available via phone or email to assist you at every step Join Our Referral Program: Invite your friends to use the Capital Now app and earn up to 10,000rs per month. Our instant loan product is worth the share. Get an instant loan within 20 minutes and enjoy exciting rewards as you repay At Capital Now, we're all about making borrowing simple, fast, and transparent. Our fees are laid out upfront, so you’re never caught by surprise. Whether you need an instant personal loan or pay your bills, you can access everything you need anytime. With 24/7 customer support, we’re here to assist you at every step. Download now a hassle-free experience every step of the way. Our Lending Partners: Goldline Finance Private Limited Anu Colonisers Limited Data Security: Your privacy is our top priority! We utilize 256-bit SSL encryption to protect your personal and financial information. We value your privacy and are committed to protecting your data. Contact Us: Have questions? Call us at 9867366896 or email: support@capitalnow.in.