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LazyPay Personal Loan Eligibility

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

LazyPay Personal Loan Eligibility

LazyPay offers you an instant personal loan starting from Rs. 10,000 and upto Rs. 1 lakh. At LazyPay, you get convenient repayment options and can repay the loan within flexible tenure ranging from 3 to 24 months. The app based lender allows an individual to apply for a personal loan from the comfort of their home or office.  All you need to do is to meet the eligibility criteria and submit necessary documents.

LazyPay Personal Loan – Eligibility Criteria

  • You should be at least 18 years old
  • You should be an Indian citizen
  • Your KYC process should be completed
  • You should either be a salaried individual or a self- employed professional.
  • Your minimum monthly income should be Rs. 30,000
  • If you are a salaried individual, you must be with the current employer for the last six months or more

Factors Affecting LazyPay Personal Loan Eligibility

  • Income: The more you earn, the better your repayment capability is. So, high income boosts your eligibility
  • Credit history: Your credit history is highly important for calculating your credit score, which majorly affects the loan amount, interest rate and tenure. Any discrepancy in your credit history can lead to an outright rejection of your loan application.
  • Employment history: Holding a job in a reputed company for a longer duration signifies financial stability and better repayable capacity. The reputation of the organization you are working in also affects your eligibility

How to Improve Your LazyPay Personal Loan Eligibility Criteria?

  • Ensure your credit score is above 750: Having a poor reimbursement track reflects in one’s credit score rating. Most moneylenders including LazyPay expect a credit score rating of 750 as one of the factors for eligibility as it demonstrates if the candidate can reimburse the personal loan
  • Income of the individual: LazyPay considers the monthly income of the person, to analyse whether he will likely reimburse the credit. The higher the income, the better are the chances of the person’s application being confirmed
  • Expected documents: To guarantee that the personal loan verification procedure is smooth, the candidate ought to present all the significant documents to prove identity, age, address and salary

Avail Personal Loan for
All Your Needs

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Avail Personal Loan for
All Your Needs

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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