Credit cards were for a long time believed to be an amazing service that made life much easier. But the process to apply for a credit card is so cumbersome that many people don’t find the time or the motivation to do it. But Lazypay lets you avail all the benefits of a credit card without the burdensome process of verifying your credit card eligibility.

Digital credit

Lazypay is like having an online credit card. The credit limit of the user on Lazypay is set and then they can use that amount as they like. Repayment can be made later as per the client’s convenience.

Become a Lazypay user

To set their credit limit on Lazypay, clients have to first complete their KYC (Know Your Customer) requirements on Lazypay. They will have to provide their Adhaar number, their address proof, their PAN card, and a photograph. But this documentation is minimal compared to the elaborate process necessary to apply for a physical credit card.

Once the KYC is completed and clients have applied for their credit line, Lazypay sends immediate approval along with a calculation of the client’s credit limit. The client can spend this amount directly on Lazypay merchant sites, use the Scan and Pay application for online payment at stores or use the Lazypay UPI ID. All common apps like Swiggy, Urban Company, Make My Trip and more than 250 other ones are merchant partners of Lazypay. So Lazypay users when shopping on these apps or websites can get huge cashback and money-saving coupon codes.

Eligibility for Lazypay credit

To be eligible for credit from Lazypay, clients must be residents of India, living in any tie I or tier II city. They must also have a regular salary and be between the ages of 22 and 55.

Credit repayment

Lazypay clients have many options to make their repayments. They can pay the whole amount anytime within the first 15 days of using Lazypay credit and incur no interest. Clients can also choose an EMI plan that involves monthly installments for 3 or 6 or 9 or 12 months. EMI payment scheme involves an interest to be paid, but the rate of interest is kept low and affordable.

Lazypay does not just ensure you can pay when you want, it also ensures that while making these payments your transactions and personal details remain completely safe from all online miscreants.

Comfort and speed

The 21st century world is always running at a fast pace. The process to apply for a credit card and get approved for credit card eligibility is too slow for modern-day shoppers who want easy credit options. They want to buy now and pay later. But they don’t want to waste their time filling forms and writing down OTPs. Lazypay offers a solution to all these problems in one package. With its easy credit approval mechanism and UPI payment options, Lazypay is all set to become the go-to for all modern-day online shoppers. Download theLazyPay app, get your credit limit and enjoy making those purchases like you never have !!!

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