I started using Lazypay few months ago. This application provide pre-approved fund for making online payments. For example, users can pay for orders on online stores like swiggy and return the money back to lazypay few days later. It can be used for small transactions but not suitable for big transactions. The return period is 4-5 days and if users fail to pay the due amount, then the late fee charges are high. The late fee charge is Rs 10/day which will continue till you pay the due amount. The app will make you feel like you can manage all your payments here but at the end of week you will face problems as this is a cycle which will never end. I do recommend viewers to use this app for daily lifestyle purchases. But sometimes, it can cost you huge.