Best Buy Now Pay Later Apps in India

Last Updated on February 4, 2026 by Muskan Sinha

As digital payments become the preferred method for everyday transactions, Buy Now Pay Later apps offer convenience for managing short-term expenses. These apps provide solutions for individuals who need to make an urgent purchase but do not have cash on hand. This opens up two possibilities for people to pay either through credit cards or the buy now pay later option. There are many Buy Now Pay Later apps in India that cater to different spending needs of people like dining, online shopping, travel bookings, bill payments, etc.  

Buy Now Pay Later Apps have grown significantly in recent years, thanks to quick approval, easy documentation and the ease of handling future payments. These apps are a twist on traditional credit cards and have reshaped the way people shop, making everyday expenses a stress free experience. Who doesnt like buying essentials without worrying about the payments? This is exactly why people have shifted to these apps so that they can pay according to their financial conditions, either in installments or a fixed amount, all at once. 

What are Buy Now Pay Later Apps?

Buy Now Pay Later apps are digital financial services that allow customers to purchase goods and services immediately and pay for them later. Think of these apps as short term loans given to customers through partnerships with banks or NBFCs to meet their financial needs, similar to those offered by credit cards. With the growing popularity of digital banking and e-commerce, BNPL apps have transformed how people view expenses which has led to increased demand for BNPL services. 

Since having a credit card is not necessary, the BNPL apps make it convenient for students and first time credit users to access them and cover their expenses. Also unlike credit cards, these apps offer flexible repayment options allowing customers to pay in EMIs or lumpsum as they wish. When customers need to buy something, they can use these apps to make payments without spending a penny from their own pockets. Later, as the bill is generated, they can repay it easily, without worrying about high interest rates if paid on time. 

Top 8 Buy Now Pay Later Apps in India 

1. LazyPay 

With 6 cr users, LazyPay is India’s credit super app that works across millions of merchants both offline and online. Users can use the LazyPay credit limit across shopping platforms, food delivery apps, e-commerce sites, travel booking apps, petrol pumps, beauty platforms and much more. Users get credits in about 90 seconds without zero physical paperwork. LazyPay has given more than Rs 500 cr + in credit so far. 

LazyPay also has features like Checkout in 1 click and pay in 15 days, Xpress Loan for personal loans, insurance cover and offers exclusive coupons to help people save more on their expenses, making it one of the best Buy Now Pay Later apps in India. 

Key Features 

• Credit Limit – Up to Rs 5 lakh
• Quick Approval – You get credit in 90 seconds
• Digital Paperwork – You require minimal documents and the process is completed digitally. 
• Interest Free Period – It offers a 15-day grace period to pay the bill, with EMI options for 3-12 months. 
• Diverse Network – LazyPay works across a diverse network of merchants, about 250+ in different categories. 
• Offers – It also provides exclusive coupons to help users save big.
• Additional Benefits – Insurance cover, personal loans, pay utility bills with LazyPay limit on the app. 

2. Simpl 

Simpl is another popular Buy Now Pay Later app that offers a digital ‘khata’ or account to its users for making payments to merchants across 26,000 stores. It has over 1cr customers leveraging its credit facility and settling their bills in 15 days at 0% interest. Simpl also allows users to get a full refund on missing or damaged orders. 

It also has three options for users to pay: pay later for regular expenses, pay in 3 for bigger expenses where you can split the payment in 3 and billbox for all your utility bills. With just one tap, you can make payments for everything and even expand your monthly shopping limit, which is why Simpl is a convenient and one of the best Buy Now Pay Later apps in India. 

Key Features 

• Credit Limit – Up to Rs 25,000
• Interest Free Period – You settle the bill after 15 days
• Payment options – It offers the option to split big purchases into 3 payments.
• Diverse Networks – Users can access its services across 26,000 stores in India including shopping, travel bookings, dining, etc. 
• One khata for everything – Users can make payments for bills, recharge and other payments all under one khata or account. 

3. Amazon Pay Later 

As the name suggests, Amazon Pay Later is a facility offered by the Amazon network and offers a hassle free process of getting instant credit for purchases using EMIs on Amazon. This Buy Now Pay Later feature by Amazon is offered in partnership with its leading lending partners Axio or IDFC First Bank. 

There are no pre-closure charges users pay and since it is integrated within the Amazon ecosystem, people can access the EMI options during checkout on the Amazon store. Users can pay later next month or over EMI ranging from 3-12 months. Within 2 minutes, users can set up their account without giving their credit card details and avail the benefits of this best Buy Now Pay Later app. 

Key Features 

• Credit Limit – Varies depending on eligibility 
• Charges – No foreclosure charges
• Maximum Transaction Limit – Rs 60,000 per year for minimum KYC accounts
• Simplified Dashboard – You can track your purchases, repayments and limit history through a simplified dashboard within the Amazon app. 
• EMI options – You can pay later next month or in EMIs over 3-12 months. 

4. Paytm Postpaid – Credit Line on UPI

Paytm, India’s largest UPI app, also offers the ‘Spend Now, Pay Later’ feature through its postpaid UPI credit line. It allows users to make UPI transactions using a pre-approved credit limit rather than having money debited directly from their bank accounts. This postpaid facility is launched in partnership with Suryoday Small Finance Bank and powered by NPCI and offers customers a short term credit of 30 days. 

Users can simply activate this postpaid feature on their Paytm account and get instant credit up to Rs 60,000. Users can make their everyday transactions smoother by paying their groceries, utility bills and recharge through the credit line UPI feature. You can repay, refill and reuse your limit all over again, with fee being applied only on the amount you spend. 

Key Feature 

• Credit Limit – Up to Rs 60,000
• Simple Onboarding – Users can easily activate this feature on their Paytm account and get credit instantly. 
• Interest Free Period – You can enoy interest free credit period up to 30 days
• Paytm Ecosystem – This feature is integrated within the broad Paytm ecosystem.
• Instant Access to Fund – Even when you don’t have enough funds in your account, you can still make payments. 
• Widely Accepted – This feature works on all UPI enabled website, making it accessible on millions of merchants, both offline and online. 
• Build Credit Profile – Timely payment using the credit line UPI helps you improve your credit score over time. 

5. Flipkart Pay Later 

Like Amazon, even Flipkart has a Pay Later option which allows users to make purchases on Flipkart without paying immediately. Again, integrated within the Flipkart ecosystem, it allows users to access millions of merchants across a wide range of categories.

Flipkart users can instantly activate this feature on their accounts and complete the application process within 30 seconds to become eligible for one-click checkout for faster transactions. You can pay back next month or in EMIs at no extra cost, making it one of the best Buy Now Pay Later apps in India. 

Key Features 

• Credit Limit – Up to Rs 1 lakh
• Instant Approval – 30-minute application process to get instant credit in account. 
• Wide Network – Make payments across the Flipkart ecosystem and selected partners. 
• Interest Free Period – Pay within 30 days or in EMIs
• Instant Refunds – On cancelled orders, you get instant refunds
• Bills – Other than shopping, you can use this feature to settle your utility bills, mobile recharges, etc. 

6. OlaMoney Postpaid 

OlaMoney Postpaid is a digital credit facility offered by Ola through its wallet app that allows users to pay for Ola rides later at the end of the month. Other than rides, users can now access this pay-later option for various other services like utilities, mobile bills and over 300+ apps. 

Users can pay for their expenses every 15 or 30 days, depending on their billing cycle and make super-fast payments at no additional cost. The OlaMoney Postpaid is integrated with the Ola wallet for seamless usage and there is no need for users to worry about wallet recharge to use this service. 

Key Features

• Credit Limit – Based on the total amount you can spend using Olapostpaid, usually up to Rs 5000 but can vary depending on your profile. 
• Billing Cycle – 15 to 30 days
• Wide Acceptance – Available across 100+ partner apps and brands in India
• Multiple Uses – Apart from using it for Ola rides, users can pay for bills, shopping, entertainment, dining, travel and more. 
• Cashback Offers – Users can get up to 30% cashback on more than 300 apps using Ola Postpaid. 

7. Tata Pay Later 

As part of the Tata Neu ecosystem and integrated with the Tata Neu rewards system, Tata Pay Later is a popular BNPL app. It allows users to shop anytime and pay next month, while earning up to 1,000 Neu coins per transaction. 

Users can use this feature across multiple Tata brands such as Tata Cliq, BigBasket, Tata 1mg, Croma and more. With a simple signup, users can get instant credit in their account which they can use to shop on Tata brands and pay on the 5th of every month.

Key Features 

• Earn  Neucoins – Every transaction rewards users with Neucoins(1 Neucoins = Rs 1)
• Instant Credit – With a quick signup, get credit in your account
• Tata Ecosystem – Use the credit to purchase across any Tata brand
• Tata Neu Reward System – Users who are part of the Neu reward system receive additional benefits for making payments. 

8. ePayLater 

ePayLater is a BNPL app that primarily serves small business owners, offering tailored credit options to help them grow. It helps businesses to manage cash flow, purchase inventory and grow their operations. 

Users can get instant credit for their kirana store or retail business at zero cost and zero processing fees. ePaylater also allows customers to buy anything from their partner merchants or even local distributors and manage transactions to increase profitability. 

Key Features 

• Credit Limit – Up to Rs 25 lakh
• Interest Free Period – 14-30 days
• Integration – Works well with the B2B marketplaces and suppliers
• No Additional Costs – Users pay no processing fees, hidden fees or extra costs. 

9. Fibe Pay Later

Fibe, a popular financial lending app, offers BNPL services for certain purchases. Customers can buy services on EMIs and repay the cost of the service over small EMIs that work best for them. 

However, Fibe is moreover a financial service provider offering loans up to Rs 10 lakh on EMIs for 3-36 months. There are no hidden charges for BNPL services but users may or may not pay processing fees. 

Key Features 

• Credit Limit – Rs 10 lakh
• Loan Tenure – 3-36 months 
• Partner Network – 8500+ merchants
• Low cost EMI – Easy repayment options with low cost EMIs

10.  InstaCred Pay Later

InstaCred is a cardless EMI platform that enables BNPL financing by partnering with banks and lenders. It is accepted at 68000+ merchants across categories like mobiles, electronics, fashion, travel, furniture and education. It works seamlessly across e-commerce platforms like Amazon, Flipkart, Coursera, etc and allows you to pay in easy installments for your favourite brands. 

Key Features 

• Cardless EMI – Shop without a credit card and pay in installments
• Wide Network – Accepted on popular e-commerce sites and across 68000+ merchants
• Instant Digital Credit – Pre-approved credit lines via partner banks and NBFCs. 

Conclusion 

Buy Now, Pay Later apps have made it easier for individuals to manage their finances and pay at a time that suits their spending schedule. They have become a prominent part of India’s digital landscape, offering short term credit solutions for those who do not use credit cards. Buy Now Pay Later apps make everyday expenses such as shopping, utility bills, recharges, travel bookings, etc, more manageable with their interest-free period and flexible EMI options. 

FAQs