What is a Buy Now Pay Later (BNPL) app?

A BNPL app allows you to purchase products or services instantly and pay for them later in easy installments. It offers short-term credit, usually with zero or low interest, making online and offline shopping more flexible.

Are BNPL apps safe to use in India?

Yes, most BNPL apps in India are regulated by the Reserve Bank of India (RBI) and partner with licensed financial institutions. However, always check the app’s credibility, privacy policy, and repayment terms before using it.

Does using BNPL apps in India affect my credit score?

Yes, it can. Timely repayments can improve your credit score, while missed or delayed payments may negatively impact it. Treat BNPL like a short-term loan and pay on time to build a healthy credit profile.

Which BNPL app is best for beginners?

Apps like LazyPay and ZestMoney are great for beginners due to their simple sign-up, instant approvals, and wide acceptance across online stores. Choose based on your spending needs and repayment flexibility.

Are there any hidden charges in BNPL services?

Most BNPL apps offer zero-interest EMIs if you pay on time, but late payments can attract penalties or interest fees. Always read the terms and conditions carefully to avoid unexpected costs.

5+ Buy Now Pay Later Apps in India | Expert Tested & Reviewed

We are not biased. We test and review every product. Here’s our Methodology.

The countdown timer on the flash sale is mocking you. That perfect gadget, those dream sneakers, the flight tickets for a much-needed getaway—all within reach, yet payday feels a lifetime away. It’s a familiar story of desire versus bank balance.

But what if you could rewrite the ending? What if you could seize the moment and settle the bill later, without the dreaded interest trap of a credit card? Welcome to the revolution of Buy Now, Pay Later (BNPL). These apps are your financial superpower in a hyper-digital India.

But with a flood of apps all promising the moon, which one actually delivers? To answer that, our team has gone beyond the surface-level reviews. We've spent days rigorously testing, comparing fee structures, and scrutinizing the fine print of top buy now pay later apps in India to forge the definitive list!

List of the Best Buy Now Pay Later Apps in India

Table of Content

1. Lazypay
2. Flipkart Pay Later
3. Amazon Pay Later
4. ZestMoney
5. Paytm Postpaid
6. ePayLater
7. OlaMoney Postpaid
8. Airtel Thanks
Why Using Buy Now Pay Later Apps in India is a Good Option?
Wrapping Up!
FAQ

Related Topics

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Pros & Cons
Pros
Quick approval process with minimal documentation
Seamless checkout experience on partnered merchants
Option to split bills into easy EMIs
Transparent repayment reminders and dashboard
Offers cashback and discounts on select purchases
Cons
The credit limit may be lower for new users
Late fees can be high if payments are missed
Customer support responses can be slow
Not accepted by all online platforms
May impact the credit score if EMIs are delayed
Why You'll Love It
LazyPay is one of the best buy now later apps for the quick, convenient, and interest-free credit that it offers on all your online purchases. It offers simple consolidated bill payment every 15-30 days.
Top Features
- Instant personal loans from ₹3,000 to ₹5 lakh
- Convenient single-tap checkouts without the need for OTPs, CVVs, or PINs
- Easy repayments for electricity, gas, water, and more for over 20,000 billers
- Free credit limit of up to ₹10,000 to use at over 45,000 online stores and merchants
More about product
LazyPay is a versatile loan and pay-later app designed for your convenience. It provides a PayLater service with a credit limit of up to ₹10,000, which you can use across a vast network of online stores.

You can easily shop now and settle a single bill every 15 or 30 days without any interest or hidden charges. The app also simplifies your life with BillPay for all your utility bills, Auto360 for vehicle management that lets you track your challans, manage insurance, and do much more. This is the best pay-later app in India, which also offers discounted gift cards for over 200 brands like Myntra, Amazon, Flipkart, and more.

For larger needs, the app offers XpressLoans, which are instant personal loans with a completely digital process. The interest rate for the loan can range from 12% to 36% per annum, with flexible EMI tenures from 3 months to 60 months.

Based on your credit history, you can get a personal loan from ₹3000 to ₹5 Lakhs. This paylater app in India ensures a secure and transparent experience for all users and, hence, is the most trusted BNPL app in India.

Pros & Cons
Pros
Instant checkout without entering payment details each time
No-interest period for short-term repayments
Simplifies returns and refunds with auto-adjusted payments
Secure and integrated with Flipkart’s main app
Great for frequent Flipkart shoppers
Cons
Limited to purchases made on Flipkart and a few partner sites
Late payment penalties apply after the due date
Doesn’t offer EMI flexibility on smaller amounts
Why You'll Love It
Flipkart Pay Later makes your shopping experience incredibly convenient and budget-friendly. Its main appeal is the ability to make purchases with a single click and consolidate all your spending into one bill, which you can pay next month at no extra cost.
Top Features
- Get exclusive access to plans for purchasing premium smartphones
- Convert your monthly bill or individual purchases into flexible EMIs
- Extend credit beyond shopping to book flights and hotels on Flipkart Travel
- Use credit seamlessly across the Flipkart ecosystem, including Myntra and Shopsy
More about product
Flipkart Pay Later is a convenient payment solution that offers instant credit of up to ₹1 lakh, allowing you to shop for a wide range of products without immediate payment. You can choose to clear your dues in a single payment next month or convert your purchases into affordable EMIs.

This feature streamlines your shopping experience with a one-click checkout process, eliminating the hassle of multiple payment steps. Along with buy now, pay later options, you can also enjoy free credit for up to a month. Flipkart Pay Later is available for customers based on their transaction history, credit score, and Flipkart’s internal credit assessment.

With this relatively new pay-later app in India, you can track spending through the app, get regular payment reminders, and convert your purchases into convenient EMIs. It’s a great way to manage your finances, especially for larger purchases, and provides a secure and seamless way to shop on Flipkart.

Pros & Cons
Pros
Instant approval for eligible Amazon users
Option to pay next month or in easy EMIs
Zero interest for short-term payments
Simple, auto-debit repayment process
Integrated seamlessly into Amazon’s checkout
Cons
Limited to Amazon purchases and a few services
EMI options are not available for all products
Requires complete KYC verification for full access
Missed payments can affect your credit score
Why You'll Love It
Amazon Pay Later has made it to the list of the best BNPL apps in India for its seamless integration into your Amazon shopping experience, allowing you to manage your budget and make purchases with ease and flexibility.
Top Features
- Instant credit of up to ₹60,000 to use for purchases on Amazon
- No additional processing fees, no cancellation fees, and no pre-closure charges
- Use the credit limit to conveniently pay monthly utility bills, DTH, and mobile recharges
- Pay for the purchases next month or convert them into easy EMIs for up to 12 months
More about product
Amazon Pay Later is a digital credit service that gives you the power to buy now and pay later on Amazon. After an easy one-time setup, you get access to instant credit of up to ₹60,000. This allows you to purchase everything from daily essentials to electronics.

You can make multiple purchases using this best pay-later service in India, up to your available credit limit. Amazon allows you to pay for it in the following month without any extra fees, or in affordable EMIs over 3 to 12 months.

An important point to note while using this service is that the APL EMI processing fee is applicable to all purchases if you choose to pay with Amazon Pay Later. Amazon Pay later lets you easily track all your expenses and repayments on a simplified dashboard. This service offers a convenient and smart way to manage your online spending.

Pros & Cons
Pros
Works with a wide network of online and offline merchants
Offers EMI options on multiple purchases
Flexible tenures ranging from 3 to 36 months
Credit building benefits for consistent repayments
Easy app-based tracking of transactions and EMIs
Cons
Interest rates can be higher than those of competitors
Loan approval may take longer for new users
Customer service experiences vary
May charge processing fees for certain purchases
Not all merchants support zero-cost EMI
Why You'll Love It
ZestMoney's unique appeal lies in its accessibility, offering a quick and easy way to make purchases and pay in installments, even if you don't have a credit card or an established credit history.
Top Features
- Affordable EMI tenures to choose from
- Access to credit, even without an established CIBIL score
- It can be used at over 10,000 online and 75,000 offline stores across India
- Offers a fully digital application process with instant loan approval and disbursal
More about product
ZestMoney is designed to make life more affordable by providing instant, digital credit. After a simple sign-up process where you complete your profile and submit basic KYC documents, you receive a credit limit.

This credit can be used immediately across a vast network of over 10,000 online stores like Amazon and Myntra, and 75,000 physical stores. The process is entirely paperless and doesn't require a credit card or a prior credit score, opening up financial freedom for millions.

When you check out, simply select ZestMoney EMI, choose a repayment plan that works for you, and your purchase is complete. For loyal customers with a good repayment history, this pay-later app in India also offers personal loans, making it a comprehensive and trusted financial partner.

Pros & Cons
Pros
Integrated directly with Paytm for smooth payments
Can be used across Paytm, merchants, and utility payments
Instant approval and fast setup
Cashback and reward offers available
Helps manage recurring payments conveniently
Cons
Credit limit can be modest for first-time users
High penalties for late repayments
Not every merchant supports the Postpaid option
Limited EMI options compared to BNPL apps
Full repayment is due monthly, with no flexible tenure
Why You'll Love It
Paytm Postpaid's biggest advantage is its deep integration with the UPI network, giving you the power to use a credit line for everyday transactions. This use now pay later app in India can help you make payments everywhere, from your local kirana store to online shopping.
Top Features
- Seamlessly use the credit line for any UPI payment
- Offers up to 30 days of interest-free credit on your spending
- It can be used for online shopping, bill payments, and at any store
- Offers an instant credit limit of up to ₹60,000 to spend now and pay later
More about product
Paytm Postpaid is a digital credit service that offers a flexible ‘Spend Now, Pay Next Month’ solution. After a quick, instant activation on the Paytm app, you get a revolving credit line of up to ₹60,000.

This credit can be used for a wide range of transactions, including paying at any UPI QR code, settling utility bills, and shopping online. Your bill is generated on the 1st of every month. This gives you a clear view of your spending, and you get an interest-free period of up to 30 days to repay the amount.

Paytm Postpaid is a secure and convenient way to manage your monthly expenses and handle unexpected purchases.

Pros & Cons
Pros
Designed for both retail and business users
Instant credit line approval for eligible users
Great for managing short-term cash flow
No-interest repayment if done within the due period
Simple repayment tracking in-app
Cons
Interface feels basic compared to competitors
Limited merchant acceptance network
Manual verification may delay approval
Penalties apply immediately after missed deadlines
Customer support could be more responsive
Why You'll Love It
ePayLater is specifically designed to empower retailers by providing a substantial, interest-free credit line for inventory procurement. Its unique proposition is allowing businesses to stock up on the best products at the best prices without immediate capital.
Top Features
- Access to a revolving credit line of up to ₹25 Lakhs
- Offers a 0% interest period of 14-30 days on the purchases
- Use credit to purchase inventory from a wide network of partner merchants
- Manage transactions securely and earn rewards and exciting offers on purchases
More about product
If you own a business and are looking for a simple and quick method for credit, ePay Later is the app for you. ePayLater provides you with a powerful revolving credit line, offering instant approvals from ₹25,000 up to ₹25 Lakhs.

It is specifically designed for retailers and allows you to purchase inventory and manage working capital efficiently. After a simple and quick setup process, you can use your approved credit limit anytime to buy products from partner merchants.

You get an interest-free period of up to 30 days to repay the amount. Once repaid, your credit limit is fully restored for your next purchase cycle, ensuring you always have the funds to grow your business.

Pros & Cons
Pros
Pay later for Ola rides, food orders, and partner merchants, ensuring flexibility
Offers a consolidated bill every 15 or 30 days, making expense tracking simpler
Seamlessly integrates with Ola services, eliminating the need for constant wallet recharges
Useful for managing short-term liquidity without needing a credit card
Cons
Available only for selected users based on eligibility, limiting accessibility
Delayed payments can lead to late fees or impact your credit score
Lacks transparency in eligibility and spending limits for new users
Why You'll Love It
OlaMoney Postpaid is the ultimate payment convenience, especially for Ola users. It eliminates the hassle of wallet recharges by giving you a single credit line that pays for all your rides and online shopping with just one click.
Top Features
- Does not require a minimum balance
- Receive one single bill for all your spending every 15 or 30 days
- Pay for services with a single tap, no OTPs or passwords required
- Use it for Ola rides and across 300+ apps for food, travel, and shopping
More about product
OlaMoney Postpaid is designed for those who want fast, flexible, and hassle-free payments. It offers you an instant credit line that can be used not just for your daily Ola rides but also for a wide range of everyday expenses. From ordering food and shopping online to paying your electricity, phone, or broadband bills, this app does it all.

With access across 300+ partner apps and websites, including BookMyShow, Red Bus, etc. OlaMoney Postpaid eliminates the need to manage multiple payment methods or keep topping up wallets.

All your transactions are neatly consolidated into a single bill, payable every 15 or 30 days based on your chosen plan. This gives you better control and visibility over your spending.

Its one-tap checkout experience ensures you can complete payments instantly without OTPs or delays, making it one of the fastest ways to pay online. Whether you’re catching a ride, booking movie tickets, or buying groceries, this is the best pay-later service in India that lets you do it all with speed, simplicity, and security, so you’re never held back by a low wallet balance or lack of cash.

Pros & Cons
Pros
Combines recharges, bill payments, and banking features in a single app for easy access
Offers exclusive rewards like OTT subscriptions, cashback, and partner deals
Provides real-time tracking of data usage, balances, and active plans
Includes a secure UPI payment option for fast and reliable transactions
Supports multiple Airtel services—mobile, broadband, and DTH—under one unified account
Cons
The interface can feel cluttered due to the variety of services offered
Some premium rewards are limited to high-value or postpaid users
Occasional bugs or lag are reported during payments or recharges
Too many promotional notifications can feel intrusive
Navigation can be confusing for users looking for specific features
Why You'll Love It
The Airtel Thanks app is the single, unified command center for managing your entire Airtel ecosystem, Mobile, DTH, and Broadband. This BNPL app in India also actively rewards your loyalty through an exclusive, tiered benefits program.
Top Features
- Get Airtel Flexi Credit with instant approval for loans up to ₹9,00,000
- Get cashback on Airtel recharges and bill payments with the credit card
- Offers Bajaj Finserv Insta EMI Card to shop for products on No Cost EMIs
- Manage all recharges, utility bills (electricity, water, gas), and UPI payments from one app
More about product
Airtel Thanks brings you a smarter way to manage your payments with its Buy Now, Pay Later feature. Through Airtel Finance, you can access an instant credit line to pay for recharges, utility bills, shopping, travel bookings, and more, all without needing immediate cash in hand.

The feature seamlessly integrates within the Airtel Thanks app, allowing you to make quick, one-tap payments and settle your dues later in easy billing cycles. Whether you’re topping up your phone, paying a broadband bill, or making an online purchase, Airtel’s BNPL service ensures speed, convenience, and flexibility at every step.

With real-time credit approval, no hidden charges, and secure digital transactions, Airtel Thanks makes it easier than ever to manage everyday expenses. It’s designed for the modern user who values instant access, simplicity, and control. This buy now pay later app in India lets you enjoy uninterrupted services while keeping your finances flexible.

Why Using Buy Now Pay Later Apps in India is a Good Option?

The rise of digital payments has made BNPL apps in India a popular choice for shoppers across the country. These apps offer a seamless blend of credit and convenience, making them an excellent financial tool for managing your purchases and cash flow.

Here are some key reasons why using BNPL apps is a good option:

1. Instant Affordability: BNPL allows you to purchase high-value items like electronics, furniture, or even online courses immediately and pay for them in smaller, manageable installments. This makes expensive products more accessible without straining your monthly budget.

2. Accessible Credit: A significant portion of the Indian population does not have access to credit cards. BNPL apps often have simpler eligibility criteria and can provide instant credit to users who may not have a traditional credit history, promoting financial inclusion.

3. Interest-Free Period: Most BNPL services offer an interest-free repayment period, typically ranging from 15 to 30 days. This allows you to purchase items and pay for them after receiving your salary, effectively managing your short-term cash flow without any extra cost.

4. Seamless and Quick Checkouts: These apps offer a one-tap payment experience, eliminating the need to enter card details, CVVs, and OTPs for every transaction. This convenience significantly speeds up the checkout process, especially for frequent online shoppers.

5. Improved Budget Management: By consolidating all your purchases into a single bill with a fixed due date, BNPL apps help you track your expenses more effectively. This simplified overview makes it easier to manage your monthly spending and repayment schedules.

Also Read: Best Buy Now Pay Later Apps in USA

Wrapping Up!

And there you have it—a complete breakdown of the best buy now, pay later apps in India. We've sorted through the features and benefits to make your choice simple. Now you can pick the service that fits your shopping style and enjoy a smarter, more flexible way to check out.

No more will flash sales mock you from behind the screen! Just remember, with great purchasing power comes great responsibility. Use the apps wisely, pay on time, and avoid the kryptonite of late fees!

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Frequently Asked Questions

What is a Buy Now Pay Later (BNPL) app?
A BNPL app allows you to purchase products or services instantly and pay for them later in easy installments. It offers short-term credit, usually with zero or low interest, making online and offline shopping more flexible.
Are BNPL apps safe to use in India?
Yes, most BNPL apps in India are regulated by the Reserve Bank of India (RBI) and partner with licensed financial institutions. However, always check the app’s credibility, privacy policy, and repayment terms before using it.
Does using BNPL apps in India affect my credit score?
Yes, it can. Timely repayments can improve your credit score, while missed or delayed payments may negatively impact it. Treat BNPL like a short-term loan and pay on time to build a healthy credit profile.
Which BNPL app is best for beginners?
Apps like LazyPay and ZestMoney are great for beginners due to their simple sign-up, instant approvals, and wide acceptance across online stores. Choose based on your spending needs and repayment flexibility.
Are there any hidden charges in BNPL services?
Most BNPL apps offer zero-interest EMIs if you pay on time, but late payments can attract penalties or interest fees. Always read the terms and conditions carefully to avoid unexpected costs.

WRITTEN BY

Riya

Content Writer

Riya turns everyday tech into effortless choices! With a knack for breaking down the latest gadgets, trends, and tips, she brings clarity and confidence to your downloading decisions. Her experience with ShopClues, Great Learning, and IndustryBuying adds depth to her reviews, making them both trustworthy and refreshingly practical.

From social media hacks and lifestyle upgrades to productivity boosts, digital marketing insights, AI trends, and more—Riya’s here to help you stay a step ahead. Always real, always relatable!