- Buy now pay later apps are trending in India, offering the convenience of purchasing a product and paying for it later based on credit score.
- Top 5 best buy now pay later apps in India for 2026 include FreeCharge, ZestMoney, MoneyTap, Sezzle, and Paytm Postpaid.
- These apps provide benefits such as easy repayment options, no interest EMIs, and partnerships with various merchants for seamless transactions.
1.FreeCharge
Pay now on Freecharge and pay later at merchants that accept Freecharge Pay Later for items such as Mobile, DTH, Electricity, Landline, Broadband, etc.
The Freecharge Pay Later program is available to salaried people earning over 10k and with a CIBIL score of 720 or higher.
- Pay with a single tap.
- Repayment is easy: Pay once a month on the 5th. The amount spent can be repaid within 30 days.
- Streamlined and faster bill payments.
- Discounts and promotions are available.
- You have one month to repay them.
- The platform supports one-tap payments secured with a PIN or OTP.
- The interest you pay on your bill, if any, will be refunded to your Freecharge account as cashback.
- There are no processing fees
- With more than 25,000 retailers, including Myntra, Swiggy, and Zomato
2.ZestMoney
There is a growing trend of buying now and paying later in India. Therefore, people are finding more and more ways to shop on credit, from applications to credit cards. Further, Zest offers EMIs with 00/0% interest and the option of making payments over a period of 3 to 4 months at no extra charge.
It is not necessary for you to have a credit card or debit card to use ZestMoney. There is no offline component to Zest. Zero pre-closure fees apply to loans taken out via Zest. If you are in a cash crunch or lack credit history, Zest can help you if you cannot get financing elsewhere.
The process is simple. Install the Zest App, verify your mobile number, and submit KYC documents in order to get a credit limit. With Zest, you can pay with any payment method. However, EMI plans must be chosen, and the purchase must be made. Your bank account can also be set up to automatically repay your debt.
- No cost EMI without a credit card.
- Flexible EMI options.
- Paperless.
- It doesn’t charge any fees for interest on the product you purchase on EMI.
- Instant $50 Loan approval and disbursal.
- Personalized credit limits up to 2 lakh.
3.MoneyTap
A total of 10,000 merchants are set to offer 0% and low-cost EMIs through MoneyTap, according to the company’s CEO. In addition, the digital lending platform will launch an EMI card backed by special offers in the next six months.
An interest-free period of 30 days will be offered with the 0% EMI Pay Later Card. Pay later cards to allow users to pay partially or in full after 30 days, then convert the rest into EMIs once they have paid the balance.
- No cost EMI without a credit card.
- Flexible EMI options.
- Discounts and promotions are available.
- You have one month to repay them.
- The platform supports one-tap payments secured with a PIN or OTP.
4.Sezzle
There are no interest charges for using Sezzle’s plan, but some fees may apply. Like Afterpay and Klarna, Sezzle provides BNPL services. BNPL is an affordable form of financing if you keep up with your payments in a timely manner, but it is still a form of debt, and NerdWallet recommends you always pay in cash for nonessential expenses.
A unique feature of Sezzle is its certification as a B Corp. Companies that are designated as B Corps must undergo rigorous assessments and demonstrate environmental and social sustainability.
A U.S. or Canadian phone number, and email address verified with a debit or credit card, and a U.S. or Canadian phone number are required to register for Sezzle. Your initial spending limit will be determined by what Sezzle thinks you can afford to repay.
The company makes approval decisions instantly. You should be able to increase your credit limit if you make all payments on time.
- There is four pay plan.
- Over 10,000 online retailers connected
- A decision is made instantly on all approvals
- Multi-integration capabilities
- Support that is robust
- Payments with no interest
5.Paytm Postpaid
Shoppers Stop, Reliance Fresh, Haldiram, Apollo Pharmacy Croma, and Shoppers Stop, among others, accept Paytm Postpaid for grocery, milk, and other home essentials.
Payment history with Paytm determines your eligibility with the NBFC and Paytm.
You will be asked to provide Paytm with the history of your transactions and the type of payment you made. In addition, the CIBIL score will be checked when you request a credit limit from the app. We will consider these factors when granting credit limits and approvals.
If you wish to receive Paytm Postpaid, you must be at least 18 years old. We will generate monthly Postpaid bills on the 1st of each month. Every 7th day of the month, which is the Paytm postpaid payment date, you must pay the bill through UPI, Debit Card, or your bank account.
If you pay your bill regularly, your Paytm postpaid limit will increase. EMIs are also available when you pay back your PAYTM POST purchases so that you can pay back the amount in easy installments without having to worry about budget constraints.
- One-click checkout with super-fast processing
- Online and in-store acceptance at more than 5 lakh shops
- Their partnerships include Domino’s, Croma, Indian Oil, and more
- It is an entirely digital process
- EMIs or full payments are available
- No activation fee is required
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