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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Top 10 Arabic Songs Of All Time (The Top Arabic Artists).


Arabic songs are a big hit around the world. The songs are a hit in India as well. Several people in the country are a fan of some of the biggest Arab hits.
Even if you haven’t listened to any, here’s a list to start with.
We have rendered to find out the top Arab hits. These are some of the most famous Arab songs of all time

1. “Ana Mosh Kaafir” (“I’m not a Heathen”) by Ziad Rahbani.

The song is about the Lebanese common wars all through the 1980s. Amid these occasions, religion was utilized to drum up some excitement in the general population and battle with one another. The word pagan (kaafir) implies unbeliever or heathen which turned into an unfavorable word amid the wars.

2. “Dawwabony Aynee” by Ehab Tawfiq.

“His Eyes Melted Me” has been a hit all time Arabic tune. It is around two individuals who are experiencing passionate feelings for, itemizing how they feel. It has an extraordinary tune that is extremely satisfying to the ears.

3. “Quds al Atika” by Fairuz.

The title signifies “Old Jerusalem”. It is from the collection of Fairuz called Jerusalem in My Heart which was discharged route in 1971. This was after the Israelis vanquished the Arabs and settled in Jerusalem and the West Bank. The melody is certainly among the best ten.

4. “Faris Odeh” by Rim Banna.

In the year 2000, there was the Second Intifada in Gaza where a multi year old kid was killed by the Israeli troopers. His name is Faris Odeh which is likewise the title of this melody. It includes the pain that was felt by the Lebanese amid these occasions.

5. “Khalini Shoufak Billeil” by Najwa Karam.

Najwa Karam’s amazing voice makes her tune one of the 10 best Arabic tunes ever. The title signifies “Let Me See You at Night.” The melody discusses love that is taboo, where sweethearts can just observe each other around evening time. It is a standout amongst the most prominent melodies in the Middle East and other Arabic talking nations.

6. “Habibi Ya Nour el Ayn” by Amr Diab.

Another of the 10 best Arabic tunes ever that was discharged route in 1996 is “Habibi Ya Nour” or “Light of My Eye.” It was sung by the Egyptian artist Amr Diab, a standout amongst the most outstanding Arabic pop stars up to nowadays. The video was set in an Andalusian town with flamenco guitars and accordion added to the theme.

7. “Nessini El Donya” by Ragheb Alama.

This tune, one of the 10 best Arabic tunes ever is designated “Influence Me To overlook the World” in English. It is around a remarkable love where a man met somebody that is genuinely ideal for him. With that, he will clutch what he has, including overlooking the world.

8. “El Donia Helwa” by Nancy Ajram.

Interpreted in English, the title signifies “The World is Sweet.” It was additionally played for a Coca Cola business that influenced individuals to be attracted to it. It is tied in with proceeding onward from the past and confronting the world with adoration.

9. “Hareb” by Kazem el-Saher.

Entitled fleeing, this melody, one of the 10 best Arabic tunes ever is about the wars in Iraq amid the previous 20 years which prompted the obliteration of a relationship. It was entitled along these lines since the individual is endeavoring to flee from where he is, yet awakening every day recollecting the substance of his lost love.

10. “Tariq al Nahal” by Fairuz.

The title of this tune is deciphered as “The Path of The Bees” that was made by the Rahbani Brothers. It is a standout amongst the most amazing tunes of Lebanon which brings out a sentiment of bitterness of yearning once you hear it out.

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