We came across lazypay few years ago when we had some cash problems and wanted to pay for something later on, you can pay via lazypay on select apps and websites, you don’t have to download the app but have to provide a phone number before using their services.
They provide a starting amount Rs. 500 and gradually increase depending on your usage and timely repayments.
So far I’ve liked their services, their billing cycle is every 15 days and they keep reminding you before the due date. If you somehow fail to pay by due date they block your account and restart only when you make the payment, which I think is reasonable. Definitely recommend it to people looking for a reliable pay later service!