Build your dream home your way

Instant personal loans upto ₹1 Lac
  • Online process with minimal documentation
  • One time approval for a lifetime of usage
  • No bank visit, no collateral needed
  • Pay interest only on amount taken and not approved.
How do I apply?
3 Easy steps
Download & sign-up
Check your limit in app using only mobile number & PAN
Complete Application
Keep your documents handy to set-up your limit or reach out for help to complete the process
Money in Your Account
Finish your auto-repayment & withdraw upto Rs. 1 lakh directly to your bank account!
Download & sign-up
Check your limit in app using only mobile number & PAN

What is the eligibility criteria with LazyPay?

To get approved and to enhance your LazyPay limit, check your eligibility against the following criteria:

  • Age : You must be between 22-55 years old
  • City : All major tier I and tier II cities
  • Salaried
  • Resident of India

What Documents do I need?

Keep these documents handy to speed up the sign-up process

  • Photo ID proof List
  • Address proof List
  • Bank details (a/c no, IFSC code)
  • A selfie Guidelines

Sample EMI Calculator

Loan Amount
3 Months
*Interest amount currently calculated at 18% and may go upto 25% based on amount and profile.
0 %
Interest payable
0.00 pm
Total payment

Why LazyPay?

Complete Digital Process

Check your eligibility for a limit within minutes, with just a few details


We maintain the highest level of security, rest assured all your information is safe with us

Minimal Documentation

With just your PAN, Aadhaar & photograph, you can get access to funds

LazyPay Personal Loans when you need them


Two-wheeler Purchase


Travel Expenses


Medical Emergencies


Education and course fees


Home Renovation


Wedding Expenses

India loves LazyPay

10+ Lac.

App Installs

1+ Cr.

Credit Transactions

₹500+ Cr.

Credit Disbursed

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Bought a new TV

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Purchased a Microwave

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Bought a New Fridge

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New Phone from Flipkart

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Recharge TataSky Account

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Get movie tickets

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To go on a holiday

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Planned family holiday

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Paid Electricity Bill

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New Bike

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New Phone from Flipkart

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Bought an Oven Online

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Purchased a DSLR

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To buy a Washing Machine

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To buy a Washing Machine

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Ordered an AC online

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Renovated my Flat

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Used to study a digital course

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To buy a Washing Machine

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Used for Shopping

Get the App and get started with Lazypay

Download the LazyPay app, get your credit limit and enjoy making those purchases like you never have !!!

Or send the link directly to my mobile phone


Why do you need a home renovation loan?

You do need a home renovation loan or a home improvement loan as it is often called in case you need to renovate, refurbish and transform your home anew after a prolonged period. Also, you may require a personal loan for home furnishing in order to change all the furniture items and fixtures that have grown old and replace them with more contemporary and practical furniture that appeals to you. Getting funding in the form of a home renovation loan is now possible online. You will naturally require funds for renovating or doing up your abode since there are multiple costs right from paint jobs and plumbing to other repairs and furnishing changes.

Why use up your savings for completing these tasks when you can simply apply for a home renovation loan online with LazyPay . It is the surest and best source of quick funding for this purpose and gives you swift access to funds up to Rs. 1 lakh. You only need to download the LazyPay app and complete the one-time approval/verification procedure for obtaining your credit/funding limit. Once you get this, you can borrow money seamlessly and pay it back via auto-debit from your bank account.

How to apply for a home renovation loan and obtain it?

Applying for a home renovation loan can be a really simple affair if you’re using LazyPay. Now you can apply for your house improvement loan in a series of really simple steps. These include the following:

  • Download your LazyPay App and then sign-in.
  • You will have to complete the process by providing your PAN Card number and mobile phone number.
  • The sign-up procedure does not take much time.
  • Have all necessary documents at hand for finishing the process and also finalizing your limit for credit or funding.
  • The documents provided will help in finalizing this threshold for one-time approval.
  • Once the automatic repayment mechanism is set up by providing your bank details, the process will be finished. This ensures hassle-free repayment of the loan amount every month.
  • You will be paying interest only on the actual amount used and not the whole limit that has been approved.
  • The loan process involves minimal documentation and zero collateral, along with zero bank visits.
  • Upon completion of the entire process, the sum taken by you up to Rs. 1 lakh will be disbursed directly to your bank account.
  • You can now use this amount for funding your home renovation needs.

As you can see, the application procedure for a home renovation loan is pretty simple actually and does not involve too much time or effort on your part.

Your guide to the eligibility criteria for your home renovation loan

Your guide to the eligibility criteria for your home renovation loan

  • You should be between 22-55 years of age
  • You should be a salaried professional
  • You should be residing in a major Tier-1 or Tier-2 city
  • You should be an Indian resident

The key documents for this process are listed below for your perusal:

  • Photo ID (Aadhar Card front and back)
  • Address Proof (Aadhar Card/Passport/ Voter ID Card/ Water Bill/ Electricity Bill/ Driving License/ Bank Statement/ Cooking Gas Bill/ Municipal or Property Tax Receipt/ National Population Register-issued Letter/ Post-paid mobile phone bill/ Official allotment letter for accommodation from Employer &/ Government/ Broadband Bill/ Telephone Bill/ Latest Utility Bill/ Registered Rental Agreement)
  • Bank Details- IFSC Code, Account Number Branch Information
  • Selfie for Verification- You should snap a Selfie that should display your full face and should not be showing any nudity. The expression on the face should be normal, and the photograph should not be in black and white or mono-colour. It should not be a screenshot or a photograph taken of a physically printed photograph. The photograph should be absolutely clear and visible while matching with the photograph in your ID

The real convenience that you get with LazyPay for your home renovation loan is that you do not have to go anywhere to obtain funds physically. You do not have to go through the time consuming and exhausting process of applying for loans at a financial institution which requires huge paperwork and multiple stages of verification or approvals.

Here, you only have to download an application, provide details for one-time approval and verification and get a finalized credit limit. You can now borrow within this limit from time to time and pay interest only on the actual amount used. The sheer convenience and effectiveness of this system are what makes it a great choice for funding the home renovation, repair and other necessary work on your abode.