LazyPay: Loan App & Pay Later vs Zype Instant Personal Loan App Usage & Stats
Get credit that’s easy, instant and stress-free. With LazyPay, you get a free credit limit upto Rs.10,000 that you can use across 45,000+ online stores and merchants! Just repay the total every 15 or 30 days, interest-free.
Here’s what you can do on LazyPay:
PayLater
Checkout on your favourite merchants in just one-tap! It’s completely free. No extra charges, no hidden fees. Shop, buy, spend from your credit limit and pay just one single bill every 15 days.
• One-tap payments
• No OTPs, CVVs or PINs
• Repay just once every 15 days
• No interest and no hidden charges
◆ Get attractive discounts and offers on various merchants like Swiggy, Zomato, Myntra, Zepto and more.
◆ A quick, simple KYC makes your experience a lot smoother. If you complete your KYC with us, you can increase your credit limit (upto as much as Rs. 5 lakhs), and get 30 days to repay your dues (that’s double the normal billing period!). In case you’re unable to pay your bill, you’ll also have options to repay your dues in EMIs.
BillPay: Pay Utility Bills
[Currently open to select users]
With over 20,000+ supported billers, LazyPay allows you to pay utility bills with your credit limit. Pay electricity, gas, water bills in one-click; recharge FASTag, mobile postpaid, mobile prepaid, landline, DTH and more. Repay in one shot, along with your LazyPay dues, every 15 or 30 days.
GiftCards
Now you can purchase vouchers of over 200+ brands like Amazon, Myntra, Flipkart and more on the LazyPay app. Use them to avail discounts ranging upto 30% on your purchases, or share them with your loved ones!
XpressLoans: Instant Personal Loans
LazyPay offers instant personal loans for all your needs, big or small. Get online loans within minutes and use it for anything you want - no questions asked. Our instant personal loans are cash loans where the lump sum amount is transferred to your bank account. The entire process is paperless and 100% digital, for your convenience.
Personal loan interest rates range from 12% to 36% p.a. with EMI tenures from 3 months upto 60 months.
XpressLoans range from Rs. 3,000 to Rs. 5 lakh with an Annual Repayment Period (APR) from 3 to 60 months. Percentage rate (APR) between 12% - 36% on a reducing balance basis.
◆Sample EMI Calculation◆
For a loan amount = Rs 10,000 | Tenure = 6 months @ interest rate of 18%* p.a.
EMI will be = Rs 1,755/- p.m.
Processing fee = Rs. 200
Total Payment = Rs. 10,730
*Interest rate and processing fee may vary.
◆ Join over 20 lakh fellow Indians using the LazyPay app everyday to get instant personal loans, and make payments easily.
◆ We believe in total transparency and data safety and security. All your information is safe with us.
◆ Have questions? Reach out to us anytime at wecare@lazypay.in
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Revolve rates - 36% to 42%. For Revolve there is no period for repayment. It's a monthly rolling feature.
Convert to EMI - 3 month 24% | 6 month 26% Tenure basis - 3 to 6 months.
Declaration
LazyPay is a platform that only facilitates money lending to duly registered NBFCs to users and complies with all applicable laws including RBI’s Fair Practices code. The details of the registered NBFCs who are partnered with us are mentioned below.
• PayU Finance India Private Limited (“PayU Finance”)
https://www.payufin.in/
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Introducing Zype, an app for personal loans that can help you quickly and easily meet your loan requirements. Obtain quick loans at any time with minimal paperwork required and quick approval.
Zype instant loan app is a platform trusted by over 5 Million + users; we provide an instant personal loan up to Rs 5,00,000. You can take multiple loans and pay Interest only on the amount utilized for your personal loan.
Why Choose Zype?
- New 60 Second loan transfer feature for instant loan disbursal
- Apply completely online without any paperwork
- Get approved & instant personal loan up to ₹5 lakhs
- Interest rates start at only 1.5% per month
- Pay later with easy EMI loan Multi-purpose loan calculator
- 24x7 dedicated customer support
Why is Zype the ideal personal loan app?
- Quick Loans: Activate your personal or salary loan in three simple steps and access funds within minutes.
- Loan Calculator: Easily estimate monthly payments, total Interest, and repayment amounts with our handy loan calculator.
- Complete Transparency: No hidden charges - enjoy full disclosure of terms for your instant loan.
- Utility Bill Payments: Conveniently settle bills online – credit card bills, loan repayment, gas, electricity, water, mobile, FASTag, DTH, and more, with guaranteed cashback.
- Referral Rewards: Refer to the Zype Loan App to friends, and both will earn a flat ₹250 reward on their first loan.
Features of the Zype Loan app
- Instant cash and money loans from Rs 3,000 to Rs 5,00,000!
- Flexible repayment tenures: 6, 9, & 12 months for personal loans
- Quick loan approval under 60 seconds
- 100% online loan, no physical documents required
- Attractive interest rates start from 18% to 36% per annum.
- Low processing fees range from 2% to 6% on your instant personal loan.
Sample Calculation Of A Personal Loan From Zype:
- Loan Amount: ₹50,000
- Tenure: 12 months
- Rate of Interest: 24% p.a.
- Processing Fee: ₹1,250 (2.5%)
- GST on Processing Fee: ₹225
- Total Interest: ₹6,736
- EMI: ₹4,728
- Amount Disbursed: ₹48,525 (PF + GST deducted upfront during the personal loans disbursal)
- Total Repayment Amount (Loan amount + Interest): ₹56,736
*Note – All the above numbers are for representation only. The final interest rate or processing fee on your quick loans may vary depending on the profile assessment.
Steps To Activate Zype loan limit
- Install the Zype quick loan app.
- Add your details to the personal loan app.
- Your instant personal loan details will be generated on the Zype online loan app.
- To start getting an instant loan, unlock your credit line by completing the KYC process with Aadhaar verification & selfie.
- Select the personal loan amount required and choose an EMI plan.
- Transfer the selected loan amount from your credit line to your bank account and pay later in flexible EMI.
Lending Partners Of Zype Personal Loan App
Respo Financial Capital Pvt Ltd
https://respo.co.in/our-partners/
Zype Instant Loan Eligibility Criteria:
- Must be a salaried professional
- A minimum monthly salary of Rs 15,000
- A valid Aadhar Card
- A valid Pan Card
We Would Love To Hear From You
Want to know more about our online loan & personal loan services? Connect with us at our email id support@getzype.com or call us at 08035018179.
Data Security & Privacy
All the data submitted to the Zype online loan app is safe and secure as each data transaction is protected through secure 256-bit SSL encryption.
Get Started with the Zype instant loan app to get the funds you need anytime, anywhere!
- Apple App Store
- Paid
- Finance
Store Rank
- -
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LazyPay: Loan App & Pay Later VS. 
Zype Instant Personal Loan AppMarch 15, 2025