How to extend Lazypay billing cycle from 15 days to 30 days December 7, 2025 by Editor Staff
I started using LazyPay two years ago and received an interest-free credit limit of ₹2,000 with a 15-day billing cycle. They call it Laypay FlexiLimit, a BNPL (buy now, pay later) service. I mostly use this credit for mobile recharges and ordering food from Zomoto or Swiggy.
I had to repay what I spent, including a ₹239 mobile recharge and groceries, between the 1st and 18th of each month. Or, if I made a purchase after the 18th, I had to pay by the every 1st of the month.
However, this has now been extended to 30 days, meaning if I use the credit on the 1st, it must be repaid by the 1st of the following month.
LazyPay is well known for its Pay Later service in india, which provides unsecured loans against Aadhaar and PAN cards. The company also provides personal loans (XpressLoan / XpressCash) up to 5 lakhs.
If you take out a personal loan, you will pay a one-time processing fee and may be charged an interest rate of 18% to 36% p.a.
what if you fail to repay lazy pay later dues on time
If you do not repay your dues on time, lazypay will charge you Rs.10-Rs.30 in late penalties and Rs.4-Rs.10 in interest on the outstanding balance.
Lazypay Pay Later late fees and charges are already mentioned in LazyPay Late Payment Charges: Avoid Recovery Agent Calls,
I’ve noticed that when I don’t pay my bills on time, recovery agents call me over 20 times every day. This is completely common, recovery agents frequently call you when you do not make timely payments. These are computer-automated calls. Once the call is answered, you will be transferred to a recovery agent who will take your statement.
A recovery agent asked me to fill out an MITC form to extend my billing cycle, but I was completely confused about where to fill out the MITC form, as they said it was in the LazyPay application. But I couldn’t find it anywhere on the application.
so what should you have to do for extend your willing cycle?
To extend the billing cycle, you will see “upgrade limit” option on the LazyPay homescreen,
Click on the Review T&C now to get higher limit, must ensure that you have completed the KYC before procced.
This is the MITC form that the recovery agent will often give you to extend your billing period. MITC stands for (Most Important Terms and Conditions), and it is an agreement between the lander and the borrower. Completing this process may result in an extension of both the limit and billing period.