Month ends are indeed harsh. You are broke but there is a discount on a mobile phone you were yearning for. Those end-of-the-month sales are so tempting. But you are short on funds. You wish that could buy them now and pay later when you get your salary. Say no more. Buy now and pay later apps are here to save you.
Buy now and pay later apps to let users shop and pay for it later. They are the same as credit cards, except where we don’t need credit cards. With these apps, you can shop on your favorite websites. You can even pay your bills and grocery. There are many big websites that have partnered with buy now pay later apps. They ensure transaction safety. These apps are gaining popularity among youngsters. It is because of how easy and convenient they are to use. Here are the top 5 buy now pay later apps.
Best Buy now Pay Later Apps
1. LazyPay
This is a well-known buy now pay later app in India. You can use LazyPay to pay for online services such as Make My Trip, Book My Show, and Swiggy. You also can pay your grocery and gas bills later. Payment plans for EMIs are available in 3, 6, or 9 months. Or you can pay the full amount in 15 days. You can set auto-pay in this app. Or pay using UPI or a debit card. To verify yourself, you must enter your KYC information. You will need the following documents to sign up. – ID proof, address proof, bank details such as account number and IFSC code, and a photo. To use this app, you must be at least 22 years old and a salaried Indian. This app provides services in all major Indian cities.
Website: – https://lazypay.in/pay-later
2. Paytm Postpaid
Using Paytm Postpaid you can shop all across India and all Apps & Websites. You can shop for up to 60000 without any interest for 30 days. You can either pay the full amount or with EMIs.You don’t have to pay any activation fee. To maintain a good credit score, make sure you pay your loans on time. It will help you get better offers.
Website: https://paytm.com/offer/paytm-postpaid
3. Flipkart pay later
It takes less than a minute to sign up for Flipkart pay later. You will need a PAN card, bank details, and an Aadhaar card. With instant credit, you can shop for up to 70000 Rs. If you spend more than 1000 rupees, you must pay a charge of 10 rupees. You will receive a single bill for all of your purchases. You can stack all of your bills and pay them all at once. However, keep in mind that you must pay by the 5th of the following month. Let’s face it, we all get carried away while shopping. But, Flipkart pay later keeps track of your bill. It will help while making your monthly budget.
Website:- https://www.flipkart.com/flipkart-pay-later-store
4. Simpl
The Simpl app is available for both android and ios. Register on the Simpl app. Then clicks the checkout button to explore many online services. Simpl is linked to over 5500 merchants. Such as Zomato, Bigbasket, and Furlenco. You can pay your electric and phone bills. Ensure that you pay all of your bills within 15 minutes. Keep up with your monthly budgeting. Simpl can be used to grow your small business. It will help you in expanding your network and connecting with more customers.
Website:- https://getsimpl.com/
5. ePayLater
ePayLater has a website and mobile app. For signing up you need any government id such as PAN or Aadhaar card and mobile number. This app has a credit limit of up to 25 lakhs. You can pay mobile bills, book tickets, and hotels. You can also pay for online food delivery apps. This app also has a partnership with travel companies. for example, IRCTC, travel smart, Travel Yaari, Ixigo, AHA Taxis, icanstay.com, etc.
Website:- https://www.epaylater.in/index.html
These are the top 5 buy now pay later (BNPL) apps in India. They are convenient and easy to use. But do not buy more than you can pay for. Always pay EMIs on time to maintain your credit score. Your credit score decided whether you are eligible for a credit limit or not. Be careful while shopping and avoid fraud.