Top 7 Pay Later Apps In India [With Review & Ratings]


While it’s really easy to order food, or recharge, buy something. Search, select, tap and pay. You have your food or smartphone delivered. But there are times when you run out of money, and it’s really hard to finish up the last few days of the month.

Well, if you are one of the those guys, here’s a plan on how you can order anything for free.

Well, not free, but you can pay back later. Yeah, you order now and your credit payer will pay. The best part is you can pay them back later, even interest free if paid within the first week of the next month.

So, what are the best options available currently to pay later?

We have decoded a whole article to test some of the best instant credit or pay later apps to see who works the best.

Before we start, do remember that we are here evaluating the apps who offer free credit with pay later options, and not apps who give you instant loans to your bank account directly.


Let’s begin.

1. Lazy Pay

It’s a pretty damn easy. You sign up, provide your basic details like PAN and Aadhaar, and they give you a credit limit. Like supposedly based on your details provided, they offer you a 1,000 Lazy Pay credit. You can use it to pay at different platforms like Swiggy, Urban Clap and more. You can then pay them ¬†back later, interest free till first week next month

Rating: 3/5

2. Simpl

Just like Lazy Pay, Simpl also offers you to pay later with free credit now. They offer you a credit, and you just need to pay them back later. The app offers you a credit limit, and you have to pay them back for without any interest till first week next month. Simpl is available on popular movie booking app, BookMyShow.

Rating: 3/5

3. Paytm Postpaid

First launched with ICICI bank account holders only, Paytm Postpaid is now available with all users. You can apply, and Paytm will soon reply you back with your exclusive Paytm Postpaid account with a limit. Paytm’s biggest advantage is it’s wide availability. You can use it to pay for bills, bookings, recharges and more. Again, it’s free to pay back without any interest till first week next month.

Rating: 4.5/5

4. KrazyBee

The instant credit platform is backed by none other than, India’s number one smartphone brand, Xiaomi. Apart from a lot of other pay later payment options on a number of platforms, you can choose to buy a Xiaomi smartphone or any other Xiaomi device on credit via KrazyBee.

Rating: 3.5/5

5. Quiklo

Quiklo is different other pay later options. Quiklo offers asset based loans, like you take a loan for a smartphone, laptop or camera or something else, and Quiklo will fulfill it for you. They will deliver the product directly to you, and you will have to pay them back in installments.

Rating: 4/5

6. SlicePay

This pay later credit platform is exclusive for students. SlicePay supports all major e-commerce websites like Amazon, Flipkart, Snapdeal and Paytm. You can buy something from any of these platforms via SlicePay. They even have courses available from Byju’s and allows you to book cabs, movie tickets, recharge, and pay later.

Rating: 4/5

7. ePayLater

IRCTC has a new pay later feature called epaylater. Do remember, this is only applicable on IRCTC. The epaylater is a payment option to free credit to book a ticket. You have to pay the due amount later, used for booking the ticket. It’s a really useful feature to book something in an emergency, but is only limited to IRCTC platform.

Rating: 3/5


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