Thenga ngoku hlawula kamva (i-BNPL) usetyenziso luqokelele ingqalelo enkulu kangangeenyanga ezimbalwa ngoku.
Ezi apps ngokusisiseko zikuvumela ukuba uhlawulele izinto zakho ngokukhawuleza ngaphandle kokuchitha nayiphi na imali kwaye wenze ibhili kamva, nokuba yiveki, kabini ngenyanga okanye ngenyanga, ukuze uhlawule yonke imali kunye.
Ii-apps ze-BNPL ngokuqinisekileyo ziye zayenza yalula indlela yentengiselwano njengoko zisebenza njengoguqulelo olulula lwendlela yokuthenga ngetyala, apho konke okufuneka ukwenze kukudibanisa ukuthenga kwakho ngoku hlawula kamva usetyenziso kunye nevenkile ekwi-intanethi ufumana ukutya, iimpahla, okanye nantoni na eyenye. ukusuka.
Uninzi lwezi apps zinezinga lenzala elisezantsi kuphela kwisixa osibolekileyo.
Nangona kunjalo, ukuba uyasilela ukuhlawula ngexesha njengoko isicelo sicela, uya kuhlawuliswa umrhumo kade ngosuku.
Elona candelo lilungileyo malunga nezi apps kukuba zikuvumela ukuba uboleke isixa esikhulu semali ngaphandle kwesibambiso!
Nalu uluhlu lwe-12 ephezulu yokuthenga ngoku hlawula ii -apps zamva eIndiya -
ZestMoney
Zest ikuvumela ukuba uhlawulele izinto ozithengileyo ngempompo enye kwaye ikuvumela ukuba uhlawule ikhredithi kamva ngezavenge ezimbalwa.
Ngale ndlela, i-Zest iqinisekisa ukuba awophuli bhanki yakho kwaye inokulawula imali yakho ngcono.
Iqonga alihlawulisi nantoni na ngetyala elinikiweyo kwaye lamkelwa ngaphezulu kwe-10,000 kwi-intanethi kunye ne-75,000 yeevenkile ezithengisa ngokomzimba eIndiya.
Ngomthengi wabasebenzisi abangaphezu kwezigidi ezili-11, iqonga lelinye lawona manani aphezulu ukuza kuthi ga ngoku!
Nantsi into eyenza iZest yahluke kwabanye abadlali emarikeni-
- Ukuseta okulula okungafunekiyo nayiphi na amaphepha okanye ikhadi lamatyala iinkcukacha.
- umyinge wetyala lomntu ngamnye we-Rs. 2 lakhs
- Akukho ntlawulo yokujoyina okanye iintlawulo ezifihliweyo
- Iimali ezibuyisiweyo kwintengiselwano yokuqala
- Ikuvumela ukuba uhlawule ityala kwithuba leenyanga ezi-3 ukuya kwezi-4
- Ukuhlanganiswa okuKhawuleza kunye nezinye izicelo
Itephu yeMali
Itephu yeMali yenye yezinto zokuqala ezisakhulayo thenga ngoku hlawula kamva usetyenziso olukunceda ukuba uboleke imali kuzo zonke izinto ozithengayo ngokuguquguqukayo.
Ikwaza nenqaku letyala elikuvumela ukuba uboleke ukuya kuthi ga kwi-Rs. I-5 lakhs kwi-intanethi kwaye uyidlale kamva kwi-intanethi ngokusebenzisa iintengiselwano ezilula ze-EMI.
NgeTap yeMali, unokuboleka imali kwizinto ezininzi ezibalulekileyo njengemali mboleko yezonyango, imali mboleko yemfundo, imali mboleko yokuhlaziya ikhaya, kunye neenjongo zokuzonwabisa njengemali mboleko yokuhamba, iimali-mboleko zamavili amabini nokunye okuninzi.
Nantsi into eyenza i-Money Tap yahluke kwabanye abadlali kwimarike-
- Inzala ihlawuliswa kuphela kwimali oyibolekileyo.
- Basebenza kunye namaziko emali alawulwayo eIndiya
- Ukuhlawuliswa rhoqo kwimida yekhredithi
- Ilawulwa ngokupheleleyo yi-RBI
- Ukuboleka akufuni nasiphi na isibambiso
Ilula
Ilula yenye i-app yokuthenga ngoku hlawula kamva eqhagamshelwe kwiivenkile ezingaphezu kwama-5500 kulo lonke elaseIndiya.
I-app ine-interface esebenzisekayo kakhulu ekuvumela ukuba uhlawulele izinto zakho kwi-intanethi ngetyala kwaye ekugqibeleni uhlawule ityala kwishedyuli kabini ngenyanga.
Ikuvumela ukuba uboleke imali ngaphandle kweendleko ngokupheleleyo kwaye ihlawulisa kuphela umrhumo kade ukuba awulihlawuli ngexesha elifanelekileyo.
Isicelo sihlaziya imida yakho rhoqo, kwaye njengokuba ufika ngexesha ekuhlawuleni amatyala akho, imida yonyuswa ngokufanelekileyo.
Nantsi into eyenza ukuba iSimpl ihluke kwabanye abadlali kwimarike -
- Iqhagamshelwe kwezinye iibrendi ezinkulu eIndiya, kubandakanya iZomato, iBig Basket, iJio Mart nokunye.
- Abahlawulisi nayiphi na imali eyongezelelweyo kwiintlawulo zekhredithi.
- Ibonelela ngenkqubo yokuhlawula impompo enye
- Ibandakanya ukungafihli kubathengi
- Masibe nolawulo olululo kwisazisi sakho setyala
- Enye yeapps ezifikelelekayo ezikhoyo
Sezzle
Sezzle ikwenza ukwazi ukwahlula imali yakho yonke yeodolo ibe ziinxalenye ezi-4 onokuthi uhlawule kwiiveki ezi-6 ngaphandle kwenzala eyongezelelweyo.
Babiza umrhumo osebenzayo kuphela ukuba awubahlawuli ngexesha.
Yonke enye into ayifuni mdla! Ngenxa yokuba iqonga liza nenkqubo yesigqibo sokuvunywa ngoko nangoko, alichaphazeli amanqaku akho etyala nangayiphi na indlela, nokuba uyaphoswa ngumhla omiselweyo wentlawulo.
Badityaniswe namagama amakhulu afana ne-Fastrack, i-Pet Sutra, i-Giva kunye nokunye, okukuvumela ukuba uthenge kwiivenkile zakho ozithandayo ngaphandle kokuphazamiseka.
Nantsi into eyenza iSezzle yahluke kwabanye abadlali emarikeni-
- Idityaniswe nabathengisi be-intanethi abangaphezu kwe-10,000
- Zonke izigqibo zokuvunywa zenziwa ngoko nangoko
- Ukudityaniswa okuninzi
- Inkxaso eyomeleleyo
- Zero-inzala yentlawulo
Intlawulo yasimahla
Intlawulo yasimahla's pay kamva imveliso yetyala ikuvumela ukuba uthenge ngoku bhatala kamva ngamanyathelo ambalwa alula.
Nokuba ufuna ukuhlawulela uqhagamshelo lwakho lwe-DTH, ityala lombane okanye i-odolo yokutya - I-Freecharge ikunyamekela konke! Kwakhona kukunceda ngokulula jonga iindleko zakho ngokukunika uluhlu lwazo zonke iindawo ochitha imali yakho kunye nemihla kunye nezixa.
Iintlawulo azinanzala, nto leyo ekuvumela ukuba wonwabele yonke into ngetyala de kufike umhla wetyala lakho. Ungachitha ukuya kuthi ga kwi-Rs. I-10,000 rhoqo ngenyanga nge-Freecharge's thenga ngoku hlawula kamva iskimu!
Nantsi into eyenza iFreecharge yahluke kwabanye abadlali emarikeni-
- Bakunika inyanga epheleleyo ukuba ubahlawule.
- Iqonga linomsebenzi wokuhlawula umpompo omnye okhuselwe nge-PIN okanye i-OTP.
- Yonke inzala oyihlawulayo, ukuba ikhona, ibuyiselwa kuwe njengemali ebuyisiweyo yasimahla enokusetyenziselwa intlawulo elandelayo yetyala.
- Akukho ntlawulo yokuqhuba
- Isebenza ngeevenkile ezingaphezu kwama-25,000, kuquka iMyntra, iSwiggy, iZomato nokunye
ILazypay
Njengoko lo gama libonisa, ILazypay njengoko iqonga lenziwe kakuhle kubo bonke abadlali abavilayo abanqwenela ukwenza isixa-mali sentlawulo ngexesha elinye endaweni yokwenza iintlawulo ezincinci amaxesha amaninzi.
Banenkqubo yokuhlawula kabini ngenyanga, kunye nomgaqo wentlawulo wempompo enye ekuvumela ukuba ufumane amava okuhlawula asimahla kunye neevenkile ezininzi kulo lonke elaseIndiya.
Unokusebenzisa eli qonga nge-UPI yakho, kwi-intanethi nakwi-intanethi; akukho ntlawulo ifihliweyo kwaye akukho mrhumo wenzala osebenzayo ukuba uzihlawule ngexesha.
Nantsi into eyenza iLazypay yahluke kwabanye abadlali kwimarike -
- Ikuvumela ukuba uthenge ngokuthe ngqo kwiivenkile ezininzi
- Ikuvumela ukuba uhlawule 3, 6, 9 yaye 12 ngenyanga izicwangciso EMI
- Qhagamshelana namagama afana ne-Hake My Trip, Book My Show, Swiggy nokunye
- Ingasetyenziselwa ukuthenga kwi-intanethi, ukubhukisha i-cab, iintlawulo zebhili kunye nokunye.
- Hlawula ngokupheleleyo okanye kwi-EMI - nangona kunjalo, uyathanda
- Ukuvula iakhawunti ngokulula
Paytm Postpaid
Enye yeenkampani ezinkulu zeenkonzo zezimali zaseIndiya, Paytm, nayo ineskimu sayo sokuthenga ngoku hlawula kamva onokusisebenzisa. Iintlawulo ezingenanzala zinokuhlawulwa emva kweentsuku ezingama-30, kwaye nyanga nganye unokuchitha imali efikelela kwi-Rs. 60,000.
Iqonga lamkelwa ngokubanzi kulo lonke ilizwe, kwaye awuzukufumana nasiphi na ivenkile ngaphandle kweintanethi okanye kwi-intanethi engayamkeliyo iPaytm.
Iqonga likwakunceda ukuba wakhe eyakho amanqaku etyala kunye nokubuyisela ixesha kwaye kukwenza ukuba ufanelekele ukuboleka imali engcono!
Nantsi into eyenza iPaytm Postpaid yahluke kwabanye abadlali emarikeni-
- Super-fast checkouts ngokucofa kanye
- Yamkelwe kwiivenkile ezingaphezu kwe-5 lakh kwi-intanethi nakwi-intanethi
- Idityaniswe nawona magama makhulu afana neDominos, iCroma, iOli yaseIndiya, kunye nokunye
- Inkqubo yedijithali ngokupheleleyo
- Ikuvumela ukuba uhlawule ngokupheleleyo okanye ngee-EMIs
- Ayibandakanyi nayiphi na intlawulo yokuvula
Thumela Pe
I-Post Pe yi-app ye-Thenga-ngoku-hlawula-kamva ye-BharatPe evumela abasebenzisi ukuba bafumane iikhredithi kwaye bawasebenzise kwiindawo ezahlukeneyo zokuthengisa. Ungahlawula isixa kwi-0 inzala kwisithuba seentsuku ezingama-30.
Ikwabonelela ukuya kuthi ga kwi-10 lakhs yekhredithi kubasebenzisi ngokusekelwe kumanqaku e-CIBIL.
I-PostPe ibonelela ngenqaku lokuskena apho abasebenzisi banokuhlawula kwangoko ngeekhowudi ze-QR kwaye kamva bahlawule kwii-EMIs. Umthetho oyilwayo wenziwa ngomhla woku-1 wenyanga nganye. Abasebenzisi nabo banokhetho lokwahlula kwii-EMIs zenyanga ezi-3/4/5/6.
Nantsi into eyenza iPostPe yahluke kwabanye abadlali emarikeni-
- Sebenzisa ikhadi lePostpe ekuthengeni kwi-intanethi okanye ngaphandle kweintanethi
- Bhalisa ngoko nangoko ngeWhatsapp
- Jonga kwi-app kwaye uzuze ukuya kuthi ga kwi-5% yembuyekezo yemali
- Thumela imali kubafowunelwa bakho okanye kwiakhawunti yakho yebhanki simahla
- Ityala elingenanzala ukuya kuthi ga kwiintsuku ezingama-30
- App rating-4.1 iinkwenkwezi
Bullet
The Bullet Thenga ngoku hlawula kamva usetyenziso lunonxibelelwano oluthe ngqo oluhlawula inkqubo engenamthungo.
Zonke iintlawulo zakho ze-UPI zenziwa ngemizuzwana, kwaye ukuthenga kwakho imihla ngemihla kuxhaswa liqela elomeleleyo labantu abakhutheleyo abazimisele ukukunceda kuyo nantoni na nayo yonke into. Iqonga liyafumaneka kuGoogle Play kunye neApp Store.
Bakunika umyinge wetyala lakho ngokwamanqaku akho etyala, ngoko okukhona liphezulu amanqaku akho, kokukhona unokuchitha ngaphezulu ngetyala! Ukuhlawula kwenzeka rhoqo nge-5 kunye ne-20 yenyanga nganye.
Nantsi into eyenza iBullet yahluke kwabanye abadlali emarikeni-
- Ukukhwela ngokulula ngokukhankanya iinkcukacha zekhadi lePAN
- Easy snacking kunye nenkqubo yokuhlawula
- Umjikelo wentlawulo yenyanga kabini
- Isinxibelelanisi somsebenzisi
- Ikuvumela ukuba ulandelele iindleko zakho yonke imihla
Mobikwik ZIP
Mobikwik ZIP Thenga ngoku hlawula kamva iapp ikuvumela ukuba uchithe ukuya kuthi ga kwi-Rs. 30,000 nyanga zonke kwiibrand ezingaphezu kwe-1 lakh kwi-intanethi nakwi-intanethi. Ukusuka ekutyeni, kuhambo, kumakhadi esipho, amatyala ukuya ezivenkileni-iMobikwik ZIP ikunika yonke into phantsi kophahla olunye!
Iqonga lineentengiso kunye nezivumelwano eziza kwaye zihamba phantse yonke imihla, nto leyo ekuvumela ukuba ufumane imbuyekezo ngembuyekezo ngexesha kunye nokunye. Unokusebenzisa iqonga okanye ezinye iinkonzo ezifana nokudluliselwa ebhankini, ukutshaja kwakhona kunye nokuhlawula amatyala kunye nokunye.
Nantsi into eyenza iMobikwik ZIP yahluke kwabanye abadlali emarikeni-
- 0% inzala kuzo zonke iintlawulo zekhredithi
- Amaxwebhu amancinci ayafuneka ukulungiselela ukuseta
- Ityala lifikelela kwiRs. 30,000 nyanga nganye
- Ikunceda ukuba wakhe amanqaku akho etyala ngokuhlawula ngexesha.
Epay Kamva
I-EpayLater izisa uguqulo kusomashishini welizwe ngokunikezela ngetyala le-Rs.25 lakhs ngaphandle kwenzala ngexesha lokuhlawula.
Isebenzisana nezinye iibrendi ezinkulu elizweni kubandakanya iFlipkart ihoseyili, iMetro, kunye nezinye ezininzi.
Sebenzisa iikhredithi zakho ngokulula ukusuka kwi-Rs 25k ukuya kwi-25 lakhs kwaye ufumane iintsuku ezili-14 zokuyilungisa nge-0%.
Nantsi into eyenza i-Epay yahluke kwabanye abadlali emarikeni-
- Inkqubo yokubhalisa imizuzu engama-5
- Lawula iakhawunti yakho ngokupheleleyo kwiselula yakho
- Cofa-kanye ukuphuma kunye neetoni zabarhwebi
- Akukho nzala idibanisayo kwityala
- App rating- 4.5 iinkwenkwezi
Snapmint
Ngokukhutshelwa okungaphezulu kwezigidi ezi-5, i-Snapmint ngumdlali omkhulu womdlalo kwicandelo le-E-commerce. Ngoku, yenza ukungena kwayo kwicandelo le-BNPL kunye neenketho ze-EMI ezifikelelekayo.
Inika intlawulo ephantsi yokukhetha kunye nee-EMIs ngaphandle kokuba nekhadi letyala. Emva kokubhalisa, umsebenzisi ufumana umda wekhredithi ngokuhambelana nenqaku lekhredithi kumakhadi abo e-debit. Ngale ndlela, uya kusebenzisa ikhredithi ngaphandle kokuba naliphi na ikhadi letyala okanye imali mboleko.
Kukho iitoni zeemveliso kwi-Electronics, indlela yokuphila, kunye nefashoni ekhoyo kwi-app. Unokusebenzisa iinkonzo zayo ze-BNPL kwiinkampani ezinkulu ze-E-commerce, kubandakanya iAmazon, iFlipkart, iMyntra, iShopper's Stop, nokunye.
Nantsi into eyenza i-Snapmint yahluke kwabanye abadlali kwiMarike -
- Abathengi bePremium bangathatha iimali-mboleko zobuqu kwi-Snapmint.
- Thenga kwi-intanethi / ngaphandle kwe-intanethi kwaye uhlawule nge-Snapmint
- Iinketho zokuhlawula zero phantsi ziyafumaneka
- Akukho sicelo okanye imirhumo yokuvala ebandakanyekayo
- Inkqubo yesicelo yi-100% kwi-intanethi
- App rating- 4.4 iinkwenkwezi
Yiyo leyo. Ezi ibiziindawo endizikhethileyo kwezona zicelo zibalaseleyo zeBNPL esinazo ngoku eIndiya.
Ii-apps ze-BNPL esithethe ngazo ziphakathi kwabadlali abagqwesileyo kwimarike, ezibonelela ngezicwangciso zembuyekezo ezibhetyebhetye kunye ne-0% yenzala kuyo yonke ikhredithi ethathiweyo.
Ezi zixhobo zenza amava akho okuthenga angabinamthungo kwaye asebenze kakuhle, njengoko kungafuneki ukuba ufake iinkcukacha zakho zentlawulo ngalo lonke ixesha uthenga into.
Bhatala nje ezi apps kwaye emva koko uhlawule i-app isixa semali kamva!
Shiya iMpendulo