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Citrus Payment Solutions Pte

Nougat

LazyPay is a financial application designed to facilitate easy access to credit and streamline payment processes for users. This app is available for the Android platform, and users can download LazyPay to enjoy its various features that cater to both shopping and bill payment needs.

The primary function of LazyPay is to provide users with a credit limit of up to Rs. 10,000, which can be utilized across a wide range of online merchants. This feature allows users to shop at over 45,000 online stores without the immediate need for cash. Users can make purchases and defer payments, simplifying the shopping experience while managing their finances effectively.

LazyPay introduces a convenient payment method called PayLater. This feature enables users to check out with just one tap, eliminating the need for additional security measures such as OTPs, CVVs, or PINs. Users are only required to make a single repayment every 15 days, which is interest-free, making it an appealing option for those who prefer to manage their expenses with flexibility. Moreover, there are no hidden fees associated with this payment method, ensuring transparency throughout the transaction process.

For users seeking to enhance their credit capabilities, LazyPay offers an option to complete a quick KYC process. By doing so, users can increase their credit limit significantly, potentially reaching up to Rs. 5 lakhs. This enhanced limit comes with the added benefit of extending the repayment period to 30 days, which is double the standard billing cycle. In situations where users are unable to pay their bills on time, LazyPay provides alternatives for repaying dues in installments, known as EMIs.

In addition to shopping, LazyPay also supports utility bill payments through its BillPay feature, which is currently available to select users. This function allows users to pay various utility bills, including electricity, gas, and water, using their credit limit. With support for over 20,000 billers, users can conveniently manage their household expenses in one place. The process is streamlined, allowing users to recharge FASTag, mobile plans, and other services with just a few clicks.

Another feature of LazyPay is the option to purchase gift cards for over 200 brands, including popular names like Amazon, Myntra, and Flipkart. These gift cards can offer discounts of up to 30% on purchases, making them a valuable addition for users who enjoy shopping. This feature not only allows users to save money but also provides a way to share savings with friends and family.

For those in need of personal loans, LazyPay offers XpressLoan, which provides instant cash loans ranging from Rs. 3,000 to Rs. 5 lakh. This service is designed to meet a variety of financial needs without extensive paperwork or a lengthy approval process. The entire experience is digital, ensuring that users can access funds quickly and efficiently. The interest rates for personal loans vary between 12% to 36% per annum, with flexible EMI tenures that range from 3 months to 60 months.

Calculating the potential costs associated with loans is made simple with LazyPay. For instance, a loan amount of Rs. 10,000 with a tenure of 6 months at an interest rate of 18% results in an EMI of approximately Rs. 1,755 per month. Additionally, there is a processing fee of Rs. 200, which is also clearly communicated to users before they commit to the loan.

LazyPay places a strong emphasis on data safety and security, ensuring that all users' information is protected. The platform adheres to applicable laws and regulations, including the RBI’s Fair Practices code. This commitment to transparency and security helps build trust among users, as they can feel confident in using the app for their financial transactions.

With a user base exceeding 2 million in India, LazyPay is becoming a popular choice for those seeking a reliable and efficient way to manage their finances. The app's combination of shopping flexibility, bill payment capabilities, and personal loan services makes it a multifaceted tool for financial management. Users looking for an easy and stress-free way to handle credit will find LazyPay to be a valuable resource in their daily lives. 

Explore the features of LazyPay and consider downloading the app to experience its benefits firsthand.

LazyPay: Loan App & Pay Later

Latest Version of LazyPay: Loan App & Pay Later

Other versions