Best Buy Now Pay Later Apps in India – Are you looking for a convenient way to make payments without having to worry about cash? Pay Later apps are the perfect solution! Get to know the top 21+ pay-later apps in India and make payments easier.

These apps offer a range of, from interest-free payments to easy access to credit. With these apps, you can shop online, pay bills, and even make travel bookings without having to worry about cash. Find out more about the top 21+ pay-later apps in India and make payments easier today!

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What is Buy Now Pay Later Apps?

The Buy Now Pay Later (BNPL) apps have revolutionized the way people shop in India. BNPL apps provide an easy and convenient way to purchase goods and services without having to pay for them upfront.

With the help of these apps, customers can purchase goods and services without having to worry about the immediate financial burden. They can help customers manage their finances, get discounts, and even build their credit scores.

BNPL apps are designed to help customers manage their finances better. They allow customers to spread the cost of their purchases over a period of time, usually in monthly installments. This helps customers to budget their money better and avoid taking on too much debt.

Top 21 Most Popular Buy Now Pay Later Apps in India 2023

#	App Name	Credit Limit	EMI Tenure	Interest Rate
1	LazyPay	Up to Rs. 1 lakh	3-24 months	15-28% p.a.
2	Simpl App	Up to Rs. 1 lakh	3-24 months	15-28% p.a.
3	ZestMoney	Up to Rs. 5 lakh	3-36 months	0-30% p.a.
4	ePayLater	Up to Rs. 20,000	15-120 days	24-36% p.a.
5	KreditBee Pay Later	Up to Rs. 4 lakh	2-15 months	18-29% p.a.
6	PayU	Up to Rs. 5 lakh	3-24 months	0-28% p.a.
7	Amazon Pay Later	Up to Rs. 60,000	3-12 months	0-14% p.a.
8	Ola Money Postpaid	Up to Rs. 25,000	15-30 days	0-30% p.a.
9	Cashfree	Up to Rs. 5 lakh	3-12 months	0-28% p.a.
10	Kissht	Up to Rs. 1 lakh	3-15 months	18-30% p.a.
11	Flipkart Pay Later	Up to ₹ 1 Lakh	1 Month And Select EMI	no-cost EMI
12	PostPe	Up to Rs. 1 lakh	1 Month	18% – 27%
13	Freecharge Pay Later	Up to Rs. 5,000	3 Months	1.75% p.m.
14	Paytm Postpaid	up to ₹60,000	30 Days	0%
15	MobiKwik ZIP	up to ₹60,000	15 days	No Interest
16	Afterpay	Up to $2,000 (approx. Rs. 1,47,000)	6 weeks	0%
17	Sezzle	Up to $2,500 (approx. Rs. 1,85,000)	6 weeks	0%
18	Uplift BNPL	Up to Rs. 5,00,000	3-18 months	12-18% per annum
19	PayLater by ICICI Bank	Up to Rs. 20,000	up to 45 days	1.22% per month
20	HDFC UPI Now PayLater	up to ₹50,000	up to 6 months	16% Per Annum
21	MakeMyTrip Book Now Pay Later!	check the eligibility	15 days – 18 months	starting interest rates from 0% to above

Overview of the Top 21 Pay Later Apps

The digital payments revolution has taken India by storm, and pay-later apps are a big part of this revolution. Pay Later apps allow users to make payments for their purchases without having to pay upfront. Instead, they can pay for their purchases at a later date, usually within a few weeks.

This makes it easier for users to manage their finances and make payments without having to worry about having enough money in their bank accounts.

In India, there are a number of pay-later apps that are among users. These apps users with the convenience of making payments without having to worry about having enough money in their bank accounts. Here is an overview of the top 21 pay-later apps in India –

LazyPay – One of The Best Pay Later Apps in India

With LazyPay, you can pay for your purchases over time and enjoy the convenience of paying later. It is a great way to manage your finances and make payments without worrying about interest or fees. LazyPay also offers a range of other features such as cashback, discounts, and rewards, making it a great choice for online shoppers in India. it is accepted across 25k+ platforms.

Eligibility Criteria	Requirements
Age	Must be at least 18 years old
Employment	Must be employed or self-employed with a steady income
Residency	Must be a resident of India
Bank Account	Must have a valid bank account
Credit Score	No credit score requirement, but a good credit score can increase your chances of approval
KYC Documents	Must have valid KYC documents such as Aadhaar Card, PAN Card, Voter ID, or Passport
LazyPay Account	Must have a LazyPay account, which can be created by downloading the LazyPay app and completing the registration process

Simpl App

With Simpl Pay Later, customers can purchase items without having to worry about immediate payment. Instead, they can spread the cost of their purchase over a period of time, making it easier to manage their finances.

Simpl Pay Later is a great app for those looking to make their payments more convenient and secure. It offers a range of benefits, such as easy sign-up, no credit checks, instant approval, no interest or hidden fees, and the ability to pay later. it allows repaying in 3 EMIs, with no extra cost. Moreover, it allows users to get discounts from 26000+ brands.

ZestMoney – Another Top Pay Later Apps in India

ZestMoney Pay Later is a great way to make purchases without having to pay upfront. With ZestMoney Pay Later, you can buy the items you need now and pay for them later, with no interest or hidden fees. This makes it an ideal option for those who need to make a purchase but don’t have the funds available right away. With its simple application process and fast approval, ZestMoney Pay Later is a great choice for anyone looking for a convenient and affordable way to pay for their purchases.

Eligibility Criteria	Requirements
Age	Must be at least 18 years old
Employment	Must be employed or self-employed with a steady income
Residency	Must be a resident of India
Bank Account	Must have a valid bank account
Credit Score	No credit score requirement, but a good credit score can increase your chances of approval
KYC Documents	Must have valid KYC documents such as Aadhaar Card, PAN Card, Voter ID, or Passport
ZestMoney Account	Must have a ZestMoney account, which can be created by downloading the ZestMoney app and completing the registration process

ePayLater

ePayLater is a great tool for businesses in India to unlock their potential and boost their business. It offers a range of features such as instant credit, quick and easy payments, and secure transactions, making it an ideal payment solution for businesses of all sizes.

With ePayLater, businesses can enjoy the convenience of cashless payments, faster checkouts, and improved customer satisfaction. ePayLater is a reliable and secure payment solution that can help businesses in India to maximize their potential and take their business to the next level.

KreditBee – One of the Great Buy Now Pay Later Apps

KreditBee Buy Now Pay Later is a great way to help manage your finances in India. It allows you to purchase items now and pay for them later, with no interest or fees. it allow users to get loan upto Rs. 4 lakh with 100% online process. This makes it easier to budget and plan for the future, as you can spread out the cost of purchases over time.

The service also offers cashback rewards, so you can save money on future purchases. With KreditBee Buy Now Pay Later, you can make the most of your finances and manage them more effectively.

PayU – One of the Top Pay Later Apps

With PayU Buy Now Pay Later, customers can purchase items with no upfront payment and no interest. This means that customers can purchase items without having to worry about paying for them right away. Instead, they can pay for their purchases over time, making it easier to manage their finances.

PayU Buy Now Pay Later is a great way to help you manage your finances and make purchases without having to worry about high interest rates or large upfront payments. With Pay you can enjoy the convenience online with no interest and no upfront payments you to make purchases with confidence.

With the ability to choose from a variety of payment options, you can tailor your payments to fit your budget and lifestyle. Whether you’re looking to make a large purchase or just need some extra cash, PayU Buy Now Pay Later can help you get the most out of your money.

Amazon Pay Later – One of the popular Pay Later Apps

Amazon Pay Later is India’s latest payment option that allows customers to purchase items without having to pay upfront. It is a convenient and secure way to pay for goods and services online. With Amazon Pay Later, customers can pay for their purchases in easy installments, making it a great option for those who need to manage their finances better.

It is also an excellent way to save money, as customers can take advantage of cashback offers and discounts. With Amazon Pay Later, customers can enjoy a hassle-free shopping experience with the added benefit of being able to manage their finances better.

Ola Money Postpaid

Ola Money Postpaid Pay Later is a great way to take control of your spending. With its simple and secure payment system, you can enjoy the convenience of making purchases with a single click, while still having the flexibility to pay for them later.

So, if you’re looking for a way to take control of your spending, Ola Money Postpaid Pay Later is the perfect solution. it allow users to get up to 30% flat cashback on more than 300 apps in india.

Cashfree

Cashfree Pay Later is a buy now, pay later solution that enables customers to purchase goods and services online without having to pay upfront. Customers can choose to pay for their purchases at a later date, with the option to pay in full or in installments. This payment solution is powered by Cashfree’s proprietary risk engine, which helps to ensure that customers are able to make their payments on time.

Kissht

Kissht Pay Later is an innovative financial technology platform that enables customers to buy products and services now and pay later in India. It provides a convenient and secure way to shop for goods and services without worrying about upfront payments.

With Kissht Pay Later, customers can enjoy a wide range of benefits such as no interest, no processing fees, no hidden charges, and flexible repayment options. It also offers a secure and easy-to-use platform for customers to make payments with just a few clicks. With Kissht Pay Later, customers can unlock the benefits of convenient and secure payments and enjoy a hassle-free shopping experience.

Flipkart Pay Later – Another one of the popular Pay Later Apps

Flipkart Pay Later is a great payment option for Indian consumers. It is an easy, secure, and convenient way to make purchases online. With no interest or hidden fees, it is a great way to manage your finances. It also offers a number of features such as no-cost EMIs, instant refunds, and more.

With Flipkart Pay Later, customers can shop without worrying about the hassle of carrying cash or making multiple payments. It is a great way to make online payments in India. It also offers cashback and discounts on select purchases, which helps consumers save money.

PostPe

Postepay Later is a safe and secure way to make payments online. All transactions are protected by a PIN code and the card is monitored by the Poste Italiane fraud prevention system. The card also has a spending limit, which can be set by the user.

This payment option a great way make purchases without worrying about flow and to manage. With its simple and secure payment system, Postepay Pay Later is a great choice for those looking for a convenient and secure payment option in India.

Freecharge Pay Later

Freecharge Pay Later is a revolutionary payment solution that has many advantages over traditional payment solutions. It is a payment solution that allows customers to make purchases without having to pay upfront. Instead, customers can choose to pay later, usually within 30 days.

This payment solution is ideal for customers who want to make purchases without having to worry about having enough money in their bank account or credit card.

Paytm Postpaid

With Paytm Postpaid Pay Later, users can make purchases online and pay for them later. This means that users can shop now and pay later, without having to worry about making an upfront payment. This makes online shopping much more convenient and hassle-free.

Paytm Postpaid Pay Later is a great way to make payments and manage your finances. It offers convenience, flexibility, and security, making it an ideal choice for those who want to manage their finances in a smarter way.

With Paytm Postpaid Pay Later, you can easily pay your bills, shop online, and make other payments without worrying about the hassle of carrying cash or worrying about late payments. With its low-interest rates and no hidden fees, Paytm Postpaid Pay Later is a great choice for anyone looking to make their financial life easier.

MobiKwik ZIP

MobiKwik ZIP Pay Later is an innovative payment solution that allows users to pay for their purchases in India without the need for a credit card. With MobiKwik ZIP Pay Later, users can enjoy the convenience of shopping without worrying about credit card bills or other financial commitments.

With its easy sign-up process, secure payment gateway, and flexible payment options, MobiKwik ZIP Pay Later is the perfect way to unlock the benefits of online shopping in India. So, don’t wait longer, unlock the benefits of MobiKwik ZIP Pay Later today and enjoy a hassle-free shopping experience.

Afterpay

Afterpay Pay Later is a simple and convenient way to shop. It eliminates the need to carry cash or credit cards and allows customers to purchase items without having to pay for them upfront. Instead, customers can pay for their purchases in four equal installments, due every two weeks. This payment solution is available to customers in Australia, New Zealand, and the United States.

It is a secure and convenient way to shop. Customers can sign up for an account and link their bank account or debit card to their Afterpay account. Once their account is set up, customers can shop online or in-store at participating retailers and select Afterpay Pay Later as their payment option.

Customers will then be asked to provide their personal information and payment details. Afterpay will then process the payment and customers will be able to take their purchase home.

Sezzle

Unlock Your Shopping Potential with Sezzle Pay Later is a great way to make your shopping experience more convenient and affordable. With Sezzle, you can buy now and pay later with no interest or fees. Plus, you can get up to 25% off your purchase when you use Sezzle.

With Sezzle, you can shop with confidence knowing that you have the flexibility to pay over time. With Sezzle, you can unlock your shopping potential and enjoy the convenience of shopping without the worry of high interest payments.

Uplift BNPL

Uplift Pay Later is a great way to unlock flexible payment options for customers. It is a secure and convenient payment solution that allows customers to make purchases now and pay later. With Uplift Pay Later, customers can make larger purchases without the need for a credit card, and they can pay for their purchases in four easy installments, with no interest or fees.

it is available to customers in the United States, Canada, and the United Kingdom, and it is a great way to help customers manage their finances and make larger purchases without the need for a credit card.

PayLater by ICICI Bank

With ICICI PayLater, customers can shop online or pay bills using the credit facility and repay the amount in full or in instalments within a specified period. The credit limit for each customer is determined based on various factors such as credit score, transaction history, and other eligibility criteria. You can get up to 5 lakh credit limit which you can repay within 45 days.

To use PayLater, customers need to activate the facility on the ICICI Bank mobile app or internet banking portal. Once activated, customers can use the credit facility to make online purchases or pay bills. The amount spent is added to the customer’s PayLater balance, which is payable within the specified period.

HDFC UPI Now PayLater

With UPI Now PayLater, customers can make payments through UPI and choose to defer the payment for up to credit period up to 6 months from the transaction date. Customers can also choose to pay the outstanding amount in one go or in monthly installments.

in simple words, it is overdraft facility offered to HDFC Bank account holders which can be utilised via all UPI apps. including Google Pay, Mobikwik and more.

MakeMyTrip Book Now Pay Later!

MakeMyTrip’s Book Now Pay Later option is the perfect way to get the most out of your vacation. With this option, you can book your vacation now and pay for it later, giving you more time to save up and plan your trip. You can also take advantage of exclusive discounts and offers that MakeMyTrip has to offer. So don’t wait any longer and book your dream vacation today with MakeMyTrip’s Book Now Pay Later option!

Benefits of Pay Later Apps in India

Benefits of Pay Later Apps	Overview
No worry of short on cash	Pay Later Apps are particularly beneficial for those who are short on cash or who need to make a purchase quickly. They allow users to make payments without having to worry about having enough money in their bank account.
Discounts And Cashback	Pay Later Apps also offer a range of other benefits. For example, some apps offer discounts and cashback offers, which can help users save money. Additionally, some apps offer loyalty programs, which can help users save even more money.
Quickly Secure Payments on Time	Pay Later Apps also offer a secure way to make payments. These apps use encryption technology to ensure that all payments are secure and safe
Convenience	With the help of these apps, customers can shop from the comfort of their own homes without having to worry about the cost of their purchases.

Conclusion For Best Buy Now Pay Later Apps

The top 21 pay-later apps in India make payments easier and more convenient than ever before. From the user-friendly interface of Paytm to the secure payment gateway of LazyPay, these apps offer a variety of features to make payments easier and faster. With the help of these apps, you can pay your bills, shop online, and make other payments without worrying about the security of your money. So, if you’re looking for a convenient and secure way to make payments, these apps are a perfect choice.

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