LazyPay: Loan App & Pay Later
com.citrus.citruspay
by PayU Finance (India) Private Limited
Screenshots
Ad slot: Top Leaderboard
About this app
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
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.
🛞 Auto360
Your all-in-one vehicle management hub. Now you can add your vehicle, track challans, stay ahead of PUC and insurance expiries. Also, renew your vehicle insurance seamlessly—all in one place.
🎁 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!
⚡XpressLoan: 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 [email protected]
----------
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/
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
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.
🛞 Auto360
Your all-in-one vehicle management hub. Now you can add your vehicle, track challans, stay ahead of PUC and insurance expiries. Also, renew your vehicle insurance seamlessly—all in one place.
🎁 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!
⚡XpressLoan: 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 [email protected]
----------
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/
What's New
Your engine’s running, the road’s wide open, but wait - did you forget to renew your insurance? Or worse, a pesky challan?
Meet Auto360! Your all-in-one vehicle management hub. Track challans, stay ahead of PUC and insurance expiries. Also, renew your vehicle insurance seamlessly, all on the LazyPay app. No more last-minute surprises—just effortless vehicle management at your fingertips.
Update now and keep your ride smooth, stress-free, and always road-ready! 🚗💨
Meet Auto360! Your all-in-one vehicle management hub. Track challans, stay ahead of PUC and insurance expiries. Also, renew your vehicle insurance seamlessly, all on the LazyPay app. No more last-minute surprises—just effortless vehicle management at your fingertips.
Update now and keep your ride smooth, stress-free, and always road-ready! 🚗💨
App Information
Version Name
10.7.1
Version Code
282
File Size
34.6 MB
Minimum OS
Android 6.0+
Target SDK
Android 33
Developer
PayU Finance (India) Private Limited
Contact
Website
Content Rating
Everyone
Package Name
com.citrus.citruspayPermissions Required
This app may request the following permissions:
Recent Reviews
14 14
1.0★
Used this service for over a year. Never missed a payment. I have an excellent credit score. but I didn't like the fact that they kept adding 18rs everyday as a late payment fee on a due amount of just 500rs especially when I was going thru a hard time. and the late fee was supposed to be 10rs when I first used the app. There is no customer service to reach out to for your grievances. Uninstalling.
Rakshak MominBrq
1.0★
Don’t buy anything using Meesho Pay Later. They don’t provide proper statements. I purchased a product and later cancelled it, but the refund was never credited to my Pay Later account. Even though I make my payments on time, the amount still shows as due. Meesho is connected with LazyPay and PayU, so it’s better to avoid such companies.
Kaushik Bhuva
1.0★
Extremely Frustrated — Repeated Calls Even After Payment! I’ve never been this frustrated with any service before. Even after clearing my dues, I keep getting 10–15 calls a day from their system asking for the same thing again and again. It's harassing and mentally exhausting. I’ve explained to multiple agents that the payment is already done — still, the calls don’t stop. It feels like no one in their team communicates or updates the system. I'm shocked at how poor the coordination is.
Dhanamjayeswara rao Ambati
1.0★
Stupid maintenance team. How many times do I need to accept the new terms and agree? I even updated the app twice, but I’m still getting the “accept new terms” error. If I log into the app 20 times in a day, the same issue occurs. Please remove the current team and hire a more competent one.
Gulfam Hussain
4.0★
Best PayLater app. Let's you do recharges and accepted by many merchants. Love the user experience but I just have one little complain. I have been using my lazypay for quite a long time I'd now like to have my limit increased from 1900 to atleast 2500 or 3000 that would give me more of a flexibility to pay my bills properly
Sunil Raj
1.0★
This app is a broker app which gets you feel scammed. I had got a paylater credit for 200 or something. I have to pay 497 as far they called and informed. but when I checked my credit report I see, they transferred to kotak and had to pay 8k. I'm going to sue them. their customer service is not promptly delivered. Never use this app even by mistake.
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