Looking for the best buy now pay later apps in India?
Great! you have come to the right place.
Buy Now Pay Later apps are a great way to have the most perfect purchase without the same being too heavy on your wallet.
These types of apps are very much in use in today’s time and are very much appreciated by people from all over the world.
They have proven to be so great because of their flexibility in terms of payment. If you wish to buy something but are low on the budget,
the buy now pays later apps prove to be quite useful. You can use these apps at your convenience. In a way, they also act as installments. This is because the customer gets the option to pay later.
Thus, majorly, these apps act as loan providers. If you have been planning on using the buy now pay later apps. Then read this article as a guide to understanding how they function and work.
It is important to understand what these apps are used for and how they work before diving into them. Let us understand a few basics about the same, first.
How to choose the best Buy now pay later App?
What is meant by Buy now pay later apps? "Buy now, pay later" (BNPL) apps are digital platforms that allow consumers to purchase goods or services and pay for them at a later date, rather than at the time of purchase.
These apps typically work by offering a line of credit to the consumer, which they can then use to make purchases. They are often used as an alternative to traditional credit cards
or loans and can be a way for consumers to make purchases they might not be able to afford upfront. When choosing a "buy now, pay later" (BNPL) app, there are several factors to consider:
- Fees
- Interest rates
- Credit check
- Available merchants
- Payment terms
- Security
- Customer Service
Which is the best buy now pay later app in India in 2023?
There are many buy now pay later apps that one can utilize as per their needs to buy any product they like. In India, these types of apps have emerged to make your life and purchases much easier.
In this article, some of the best buys now pay later apps will be discussed that you can use for your purchases! Read on to know more!
However, it's always a good idea to check the terms and conditions, interest rate, and the merchants accepting the app before choosing one.
Also, it is always better to do your research and compare different BNPL apps before making a decision and choosing one that best meets your needs and fits your financial situation.
Some of the buy now pay later apps are mentioned here. You can check them out to consider anyone for your use.
Also Read: Best UPI payment Apps In India, Best Earning Apps in India & Best Money Earning Apps In India
In this guide, we ranked and reviewed the 17+ best buy now pay later apps, along with our top 3 choices, so that you can pick the best one for you.
Top 18 Best Buy Now Pay Later Apps In India (Updated 2023)
1. Amazon Pay Later
Amazon Pay Later is a service offered by Amazon in India that allows customers to buy now and pay later for their purchases.
It is available for both Amazon.in and the Amazon mobile app. With Amazon Pay Later, customers can purchase items and pay for them at a later date, rather than at the time of purchase.
The service is designed to be a convenient and flexible way for customers to shop on Amazon.
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In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
2. Lazy Pay
LazyPay is a "buy now, pay later" (BNPL) service in India that allows customers to make purchases and pay for them at a later date, rather than at the time of purchase.
LazyPay is offered by PayU, which is a leading payment gateway service in India. It works by offering a line of credit to customers,
which they can then use to make purchases at participating merchants.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
3. Flipkart Pay Later
Flipkart Pay Later is a service offered by Flipkart, an Indian e-commerce company, that allows customers to buy now and pay later for their purchases.
It is a "buy now, pay later" service that allows customers to make purchases and pay for them at a later date, rather than at the time of purchase.
The service is designed to be a convenient and flexible way for customers to shop on Flipkart.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
4. Zest Money
Zest Money is a fintech company in India that provides a "buy now, pay later" service that allows customers to make purchases and pay for them at a later date,
Rather than at the time of purchase. The service is designed to be a convenient and flexible way for customers to shop online and in-store.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
5. ZIP by MobiKwik
ZIP by MobiKwik is a digital lending platform offered by MobiKwik, a mobile wallet and financial services company in India.
ZIP stands for "Zest Insta Personal loan" and it allows customers to apply for a personal loan through the MobiKwik app,
And if approved, get the loan amount credited to their MobiKwik wallet within minutes. This is a great buy now pay later app that many have used to buy the products they need.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
6. Jupiter Edge Pay Later app
Jupiter Edge Pay Later app is a buy now pay later (BNPL) platform that many users have used to make urgent purchases.
Like any Buy Now Pay Later app, it allows users to make purchases and pay for them later, usually in installments, without having to pay the full amount upfront.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
7. Freecharge Pay Later
FreeCharge Pay Later is a service offered by FreeCharge, which is a digital payments platform in India.
It allows customers to make purchases and pay for them later, at a later date, without having to pay any interest or late fees.
With FreeCharge Pay Later, users can purchase products and services from a variety of merchants and pay for them in flexible installments, without having to pay any additional charges.
The service is available to users who have a FreeCharge account and have undergone a credit assessment process.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
8. Simpl
Simpl is a mobile app that offers a "buy now, pay later" option for users in India. This feature allows users to make purchases from participating merchants and pay for them in installments instead of paying the full amount upfront.
The app also provides features such as spend tracking and budgeting to help users stay on top of their finances.
The feature is called Simpl Pay Later, which allows users to shop at over 1,000 merchants and pay in flexible installments.
it's a great way to manage cash flows for big-ticket items like mobiles, laptops, furniture, and more.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
9. Money Tap
MoneyTap is a mobile app-based line of credit service in India. It allows users to borrow money as and when they need it, up to a certain limit, and repay it in flexible EMIs.
The app also provides features such as spend tracking and budgeting to help users stay on top of their finances.
Users can use the borrowed funds to make purchases or pay for bills, expenses, and other financial needs. They can also use the app to manage their finances and track their spending.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
10. Cashe
Cashe is a financial services app based in India that offers various financial services such as personal loans, credit cards, and insurance.
It also offers a "buy now, pay later" option called Cashe Advance, which allows users to make purchases from participating merchants and pay for them in installments.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
11. Paytm Postpaid
Paytm Postpaid is a buy now pay later app offered by Paytm, leading digital payments and financial services company in India.
Paytm Postpaid allows users to make purchases and pay for them later in easy monthly installments.
It also offers credit limits of up to INR 60,000 and can be used to make purchases across a wide range of merchants including e-commerce platforms, supermarkets, restaurants, and more.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
12. Postpe
Postpe app is a buy now pay later (BNPL) app or platform that allows users to buy any product or service without paying.
The payment can be made later with that. Many cashback facilities are also provided on this app which proves to be quite beneficial to the users.
To gain more information on this, read ahead.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
13. ePay Later
ePay Later is a type of buy now, pay later app that allows consumers to make purchases and pay for them at a later date.
These types of apps are typically used to make online shopping more convenient, as they allow users to purchase items they may not be able to afford at the time of purchase.
Users are typically required to provide their personal and financial information, such as their name, address, and credit card information, to use the service.
Some ePay Later apps may also require users to pay interest or fees on the items they purchase.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
14. Pay Later By ICICI Bank
Pay Later by ICICI Bank is a service that allows customers to make purchases online and pay for them at a later date.
The service is offered in partnership with various merchants and e-commerce platforms and allows customers to pay for their purchases within a specific time frame,
Usually 14-60 days, without any interest or fees. The service can be accessed through ICICI Bank's mobile app or website.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
15. Ola Money Postpaid
Ola Money Postpaid is a service offered by Ola, an Indian ride-hailing company. It allows users to take multiple rides on Ola and pay for them at the end of the month, instead of paying for each ride separately.
This service is similar to a postpaid mobile phone plan, where users pay for the service at the end of the month instead of paying for each call or text separately.
Ola Money Postpaid also offers cashback, discounts, and other benefits. Users can avail of this service by signing up on the Ola app and linking their Ola account with a credit or debit card.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
16. Snapmint
Snapmint is a consumer lending platform that provides short-term loans to individuals in India.
The platform offers a range of loan products, such as personal loans, consumer durable loans, and two-wheeler loans.
Snapmint uses technology to analyze the creditworthiness of potential borrowers and offers loans at competitive interest rates.
The process is digital and fully online, allowing users to apply for and receive a loan in a matter of minutes, without the need to visit a bank branch.
Snapmint also provides EMI options, which allow users to repay the loan in monthly installments. They also have a mobile application, which allows users to apply for a loan, check their loan status, and make payments from their mobile device.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
17. Bullet
Bullet app is a buy now pay later app or platform that can aid you a lot. With the credit they offer to their customers, one can buy anything that they desire.
It does not matter if any budget is lower, you can simply pay the amount later. The amount you can gain through this is instant and can help you a lot.
More details on the same are given below. Read on to understand them.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
18. Sezzle
Sezzle is a "buy now, pay later" platform that allows consumers to purchase goods and services from participating merchants and pay for them in four interest-free installments.
Sezzle splits the total cost of the purchase into four payments and allows users to pay for each installment over six weeks.
Users can use Sezzle to shop online at participating merchants, and the platform does not require a credit check or credit card to use.
Instead, Sezzle uses a variety of data points, such as bank account information and order history, to determine a user's creditworthiness. The platform also allows users to schedule payments and make payments early without penalty.
Features
ConClusion
In conclusion, "Buy Now Pay Later" apps like Ola Money Postpaid, Snapmint, and Sezzle offer a convenient and flexible way for consumers to make purchases and pay for them over time.
They provide various EMI options, such as fixed EMI, flexible EMI, and installment plans, which allow users to choose a repayment plan that suits their needs.
These apps also use technology to assess the creditworthiness of potential borrowers and offer loans at competitive interest rates.
However, it's important to note that these loans come with terms and conditions and users should be aware of the fees and penalties that may be charged for delayed or missed payments.
It's recommended to review the loan agreement and speak with customer support for more information before availing of these services.
Therefore, be sure to seek direct assistance from expert professionals to learn more about this topic. It is also essential that you conduct a thorough online search to gain more knowledge about the concept.
frequently asked question
1. Which app is best for shopping Now Pay Later?
It depends on the user's needs and preferences. Popular "buy now pay later" apps include Klarna, Afterpay, Sezzle, and Quadpay. All the apps listed here are also great apps one can consider.
These apps are widely accepted by merchants and offer flexible repayment options. Users should compare the fees, interest rates, and terms and conditions of each app before making a decision.
It's always recommended to check the app's reviews, ratings, and customer support service to get a better idea of which app would be the best fit for their needs.
2. Which Pay Later option is best?
All of the apps that are mentioned in this article are some of the best buys now pay later apps one can use. These apps are great helpers if one is in urgent need to buy something but is not able to because of a shortage of money.
These apps give one enough time to collect a certain amount and repay it. It is a great credit service one can try out. Thus, any of the buys now pay later apps you will choose from the list given here will prove to be the best for you!
3. Does Amazon accept Afterpay?
Amazon does not officially accept Afterpay as a payment method on its website. Amazon offers financing options, such as Amazon Store Card and Amazon Credit Builder, for customers to pay for their purchases over time.
However, some third-party sellers on Amazon may accept Afterpay as a form of payment for their products, but it's best to check with the individual seller for more information.
4. What is Sezzle pay later?
Sezzle is a buy now, pay later platform that allows customers to make online purchases and pay for them in 4 interest-free installments over 6 weeks.
It uses bank account information and order history to assess creditworthiness, no credit check or credit card is required. It allows users to schedule payments and make early payments without penalty.