Lazy Loan

Lazy Loan is India’s leading online loan app offering its users a credit limit between Rs 10,000 to Rs 1 lakh! with instant approval and zero collateral. Personal loan interest rates range from 15% to 32% p.a. with EMI tenures of 3 to 24 months. You can use it for travel, family events, weddings, buying electronics, medical expenses, home renovations & more!

**Sample EMI Calculation**

Loan amount = Rs 10,000 Tenure = 6 months, @ interest rate of 18%* p.a.

EMI = Rs 1,755/- p.m.

Processing fee = Rs. 200

* Interest rate varies

Over 2 million+ Indians use Lazy Loan daily. Completely digitally driven, with an easy one-time application process and no bank visits; you get instant access to funds. So say goodbye to waiting for that salary or salary advance, Lazy Loan truly provides Kredit on tap!

Check your eligibility in minutes with no commitment right from the Lazy Loan loan app to activate your credit limit for personal loans, to pay later with interest free 15 day credit or to shop online by converting large purchases into instant EMIs at affordable interest rates.

Lazy Loan Cardless EMIs

Lazy Loan also offers a Cardless EMI facility, which you can use to shop online. With convenient payback period options and affordable interest rates including No cost options, you can convert all your high-value purchases into pocket-friendly EMIs on your favorite websites and apps! You can avail this facility by completing the same steps listed above for instant personal loans.

Interest-free shopping via Lazy Loan Pay Later

Lazy Loan also offers a pay later option with interest free 15-day credit at checkout when you shop on your favorite apps such as Swiggy, Zomato, MakeMyTrip, Goibibo, BookMyShow, TataSky, Dunzo, Flipkart, Rapido and more!

How do I apply for a Lazy Loan Personal Loan?

Availing an instant personal loan is super easy and can be completed in 3 steps:

1. Check eligibility in the App - Using mobile number & PAN you can check your limit in seconds

2. Complete Application - Keep a few documents such as Aadhar card, proof of current address and PAN card handy to complete the process

3. Get Your Money – Setup your bank account to receive the funds and auto debit your EMI’s

What all do I need for Personal Loan application?

You will need the following documents handy. You will just need to upload them to our app when promoted from the steps below.

1. PAN Information

2. Identity proof such as Aadhar Card

3. Current address proof such as rent agreement, electricity bill etc.

4. Bank Details – Bank name, account number and ifsc code

4. Selfie

5. Photo of your signature

How do I avail Lazy Loan's EMI facility for shopping?

Just complete the one-time loan application process as above and get access to all of Lazy Loan’s credit products including shopping on EMI, No cost EMI and more in one tap!

How do I avail Lazy Loan’s pay later 15 day interest free credit?

Lazy Loan’s interest free pay late credit is available to over 40Mn Indians on checkout at their favourite apps without any documentation. You can check if your eligible for the same by downloading the Lazy Loan loan app and checking your active credit limit.

Can I increase my pay later credit limit?

Your credit limit increases as you keep using Lazy Loan to pay on your favorite apps and clear your outstanding with us on or before due date. You may also enhance your credit limit by providing us with basic information on the Lazy Loan loan app.

How do I make a repayment for my Lazy Loan pay later outstanding?

You can pay your Lazy Loan pay later outstanding on the 3rd and 18th of each month on the Lazy Loan loan app via Net banking, debit card, credit card or UPI.

Security & Privacy

Data security & privacy is given top priority at Lazy Loan. We comply with the highest security standards & protocols.

Lazy Loan adalah aplikasi pinjaman dalam talian terkemuka di India yang menawarkan pengguna batas kredit antara Rs 10,000 hingga Rs 1 lakh! dengan kelulusan segera dan cagaran sifar. Kadar faedah pinjaman peribadi berkisar dari 15% hingga 32% p.a. dengan tempoh EMI 3 hingga 24 bulan. Anda boleh menggunakannya untuk perjalanan, acara keluarga, majlis perkahwinan, membeli elektronik, perbelanjaan perubatan, pengubahsuaian rumah & banyak lagi!

** Contoh Pengiraan EMI **

Jumlah pinjaman = Rs 10,000 Tempoh pegangan = 6 bulan, @ kadar faedah 18% * p.a.

EMI = Rs 1,755 / - p.m.

Yuran pemprosesan = RM. 200

* Kadar faedah berbeza-beza

Lebih 2 juta + orang India menggunakan Lazy Loan setiap hari. Ditarik sepenuhnya secara digital, dengan proses permohonan sekali sahaja dan tidak ada lawatan bank; anda mendapat akses segera ke dana. Jadi mengucapkan selamat tinggal untuk menunggu gaji atau gaji awal, Lazy Loan benar-benar memberikan Kredit di ketuk!

Semak kelayakan anda dalam beberapa minit tanpa komitmen langsung dari aplikasi pinjaman Lazy Loan untuk mengaktifkan batas kredit anda untuk pinjaman peribadi, untuk membayar kemudian dengan kredit 15 hari tanpa faedah atau membeli-belah dalam talian dengan menukar pembelian besar ke EMI segera pada kadar faedah yang berpatutan.

EMIs Tanpa Kad Kredit Pinjaman

Lazy Loan juga menawarkan kemudahan EMI Cardless, yang boleh anda gunakan untuk berbelanja secara dalam talian. Dengan pilihan tempoh bayaran balik yang mudah dan kadar faedah yang berpatutan termasuk tiada pilihan kos, anda boleh menukarkan semua pembelian bernilai tinggi ke EMI mesra poket di laman web dan aplikasi kegemaran anda! Anda boleh memanfaatkan kemudahan ini dengan melengkapkan langkah-langkah yang sama yang disenaraikan di atas untuk pinjaman peribadi segera.

Membeli-belah tanpa faedah melalui Lazy Loan Pay Later

Lazy Loan juga menawarkan pilihan kemudian dengan faedah 15 hari kredit semasa di checkout apabila anda membeli-belah pada aplikasi kegemaran anda seperti Swiggy, Zomato, MakeMyTrip, Goibibo, BookMyShow, TataSky, Dunzo, Flipkart, Rapido dan banyak lagi!

Bagaimanakah saya memohon Pinjaman Peribadi Pinjam?

Mendapatkan pinjaman peribadi segera adalah sangat mudah dan dapat diselesaikan dalam 3 langkah:

1. Semak kelayakan dalam App - Menggunakan nombor mudah alih & PAN anda boleh menyemak had anda dalam beberapa saat

2. Permohonan Lengkap - Simpan beberapa dokumen seperti kad Aadhar, bukti alamat semasa dan kad PAN yang berguna untuk menyelesaikan proses tersebut

3. Dapatkan Wang Anda - Tetapkan akaun bank anda untuk menerima dana dan debit auto EMI anda

Apa yang saya perlukan untuk permohonan Pinjaman Peribadi?

Anda memerlukan dokumen berikut berguna. Anda hanya perlu memuat naiknya ke aplikasi kami apabila dipromosikan dari langkah-langkah di bawah.

1. Maklumat PAN

2. Bukti identiti seperti Kad Aadhar

3. bukti alamat semasa seperti perjanjian sewa, bil elektrik dll.

4. Butiran Bank - Nama bank, nombor akaun dan kod ifsc

4. Selfie

5. Gambar tandatangan anda

Bagaimana saya boleh memanfaatkan kemudahan Lazim Loan Loan untuk membeli-belah?

Lengkapkan proses permohonan pinjaman sekali sahaja seperti di atas dan dapatkan akses kepada semua produk kredit Lazy Loan termasuk membeli-belah di EMI, Tiada biaya EMI dan lebih banyak lagi!

Bagaimanakah saya dapat membayar faedah Lazy Loan selepas kredit percuma faedah 15 hari?

Lazy Loan Loan membayar kredit lewat percuma tersedia untuk lebih daripada 40Mn India pada checkout di aplikasi kegemaran mereka tanpa sebarang dokumentasi. Anda boleh menyemak sama ada anda layak untuk sama dengan memuat turun aplikasi pinjaman Lazy Loan dan memeriksa batas kredit aktif anda.

Bolehkah saya meningkatkan had kredit saya kemudian?

Had kredit anda meningkat semasa anda terus menggunakan Lazy Loan untuk membayar pada aplikasi kegemaran anda dan jelaskan anda tertunggak dengan kami pada atau sebelum tarikh tamat tempoh. Anda juga boleh meningkatkan had kredit anda dengan menyediakan kami maklumat asas mengenai aplikasi pinjaman Lazy Loan.

Bagaimanakah saya membuat pembayaran balik untuk pembayaran Lazy Loan saya yang belum selesai?

Anda boleh bayar bayaran Lazy Loan yang belum dijelaskan pada bulan ke-3 dan ke-18 setiap bulan di aplikasi pinjaman Lazy Loan melalui perbankan Net, kad debit, kad kredit atau UPI.

Keselamatan & Privasi

Keamanan & privasi data diberikan keutamaan pada Lazy Loan. Kami mematuhi piawaian & protokol keselamatan tertinggi.