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是印度领先的在线贷款应用程序，可为用户提供10,000卢比到10万卢比的信用额度！即时批准和零抵押。个人贷款年利率范围为15％至32％ EMI期限为3到24个月。您可以将其用于旅行，家庭聚会，婚礼，购买电子产品，医疗费用，家庭装修等等！

**样本EMI计算**

贷款金额= 10,000卢比，任期= 6个月，年利率18％*

EMI = Rs 1,755 /-下午

手续费=卢比。 200

*利率不同

每天有超过200万印度人使用懒惰贷款。完全数字化驱动，具有简单的一次性申请流程，无需银行访问；您可以立即使用资金。因此，告别等待薪水或薪金预提，Lazy Loan真正为您提供Kredit！

您可以在几分钟内检查您的资格，而无需从Lazy Loan贷款应用中进行任何承诺，即可激活您的个人贷款信用额度，稍后以15天无息信用额度付款或通过以可承受的利率将大量购买转换为即时EMI来在线购物。

懒贷无卡EMI

Lazy Loan还提供了无卡EMI设备，您可以在网上购物。借助便利的投资回收期选项和可承受的利率（包括无成本选项），您可以在自己喜欢的网站和应用程序上将所有高价值购买的商品转换为便于携带的EMI！您可以通过完成上面列出的即时个人贷款的相同步骤来利用此功能。

通过懒人贷款免息购物稍后付款

当您在喜爱的应用程序（如Swiggy，Zomato，MakeMyTrip，Goibibo，BookMyShow，TataSky，Dunzo，Flipkart，Rapido等）上购物时，Lazy Loan还提供结帐后付款的15天免息利息选项。

如何申请懒人贷款个人贷款？

即时获得个人贷款非常容易，可以通过3个步骤完成：

1.在应用程序中检查资格-使用手机号码和PAN，您可以在几秒钟内检查限额

2.完整的申请-随身携带一些文件，如Aadhar卡，当前地址证明和PAN卡，以完成该过程

3.赚钱–设置您的银行帐户以接收资金并自动从EMI帐户中扣除

个人贷款申请需要什么？

您将需要以下文件。按照以下步骤进行升级后，您只需要将它们上传到我们的应用中即可。

1. PAN信息

2.身份证明，例如Aadhar卡

3.住所证明，如租金协议，电费单等。

4.银行详细信息–银行名称，帐号和ifsc代码

4.自拍照

5.签名照片

如何利用Lazy Loan的EMI设施购物？

只需完成上述一次性贷款申请流程，即可一次访问Lazy Loan的所有信贷产品，包括通过EMI购物，免费EMI等等。

我如何利用Lazy Loan的15天后无息信用付款？

超过4000万印度人可以在自己喜欢的应用程序上结帐时使用Lazy Loan的无息延迟付款信贷，而无需任何文档，这笔款项可用于超过4000万印度人。您可以通过下载Lazy Loan贷款应用并检查您的有效信用额度来检查您是否符合相同条件。

我可以增加以后的付款信用额度吗？

当您继续使用“懒人贷款”来支付您最喜欢的应用程序并在到期日或之前向我们清算您的未偿还款项时，您的信用额度会增加。您还可以通过向我们提供有关“懒人贷款”贷款应用程序的基本信息来提高您的信用额度。

我该如何偿还以后的“懒人贷款”付款？

您可以通过网络银行，借记卡，信用卡或UPI在每月的3号和18号通过Lazy Loan贷款应用程序支付未偿还的Lazy Loan款项。

安全与隐私

懒惰贷款将数据安全性和隐私放在首位。我们遵守最高的安全标准和协议。