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LazyPay Personal Loan

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Hassle-Free Application Process

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No Collateral Requirement

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End-to-End Expert Assistance

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No Physical Documents Required

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2839 Reviews

51M+Satisfied Customers
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800+Cities across India

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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 Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

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

About LazyPay Personal Loan

  • LazyPay personal loans are offered at competitive interest rates to meet different personal financial requirements.
  • Consumers who apply through the Paisabazaar can experience a  hassle-free online loan process and end-to-end expert assistance.
  • LazyPay personal loans require minimal paperwork and come with lightening fast approvals
  • These personal loans need no collateral/security and offer flexible EMI options.
  • LazyPay personal loans have zero hidden charges and offer flexible end-usage.

Interest rates of LazyPay Personal Loan

LazyPay disburses personal loan at interest rates ranging from 18% to 28% that are influenced by the factors like your credit score, income, age, employer, etc.

Features/Benefits of LazyPay Personal Loan

Basic internet knowledge is more than enough to leverage the App based personal loan service provider.  Here are the benefits of LazyPay Personal Loan:

  • Easy to avail from the comfort of your home.
  • Swift loan disbursal.
  • Know your loan eligibility within a fraction of a second.
  • Best personal loan interest rates.
  • Choice of loan amount ranging from  Rs. 3,000 to Rs. 5 lakh.
  • Transparent application loan process.
  • Minimal paperwork.
  • Affordable EMIs.
  • Feasible and hassle-free repayment process.
  • Select your own personal loan tenure to meet your requirements – 3 months to 24 months.
  • The credit limit can be increased for professionals with a monthly salary of more than Rs. 30,000.

Eligibility of LazyPay Personal Loan

In accordance with the stipulated guidelines of the government establishments, LazyPay has rolled out the eligibility criteria. A personal loan seeker is advised to measure his/ her eligibility on the basis of these guidelines. The salient feature of the eligibility criteria comprises:

  • An Applicant must be of a minimum age of 18 years.
  • He should be an Indian citizen.
  • His KYC process should be completed.
  • He should either be a salaried individual or a self- employed professional.
  • His minimum monthly income should be Rs. 30,000.
  • If he is a salaried individual, he must be with the current employer for the last six months or more.

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Documentation Required to Avail LazyPay Personal Loan

A set of documents have been necessitated as per the guidelines of the establishments to borrow the LazyPay personal loan. These include:

  • Filled in online personal loan application form.
  • Copy in support of ID proof document – Passport/ Voter ID/ Driving License/ PAN Card/ Aadhar Card.
  • Copy in support of address proof document – Passport/ Voter ID/ Driving License/ PAN Card/ Aadhar Card.
  • PAN card document copy issued by the government of India.
  • Income proof – last three months’ salary slip issued by the current company.
  • Bank statement for the last six months.
  • IT returns, income proof for the self-employed employee.

Additional Charges of LazyPay Personal Loan

The App based financial service provider has in place a transparent business structure for all its customers.

Service Charge
Personal loan processing fee 2%
Bank account bounce charges Rs. 300 per billing cycle

Customer Care/Support of LazyPay Personal Loan

You can visit the official website of LazyPay and can seek customer help by the following ways:

  • Go to ‘need help’ button on the top and click it. A new window will open up with various options. Select a suitable option to solve your query.
  • You can submit the query form.

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

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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FAQs

Yes, as the data and information shared on the app remain safe due to the modern technology.

KYC stands for Know Your Customer. Under the process, through certain documents, including PAC Card, Passport and Voter Card, institutions verify the identity of the loan seeker. The objective is to put an embargo on the abuse of services.

Yes, you can raise a loan application. Just complete the online application process. Shortly, you will be informed about the eligibility.

Yes, you can calculate the EMI online or through the app.

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What our customers say

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

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Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

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Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

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Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

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Bilal ZaidiDec 9, 2025

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

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Shiv KumarDec 3, 2025

Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

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SunnyDec 3, 2025
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