killerloanapps · live: India · Sri Lanka · historical: India · Nigeria · deleted · methodology

LazyPay - Pay Later | Credit Score | Personal Loan [India] lending

32 elevated (partial) · installs 1,000,000+ · rating 4.3924413 (97558) · updated 1608278810000

Corpus: India historical · harvested 2022-02-27

Risk signals, not verdicts. Scores flag indicators of abusive-lending behaviour from public app-store data. A high score is not proof of illegality; a low score is not a safety certificate. See methodology.

Score breakdown (rubric 0.2)

Indicator family	Weight	Score
I1 Brand & ASO abuse	w=15	0/100
I2 I2	w=?	0/100
I3 I3	w=?	/100
I4 I4	w=?	60/100
I5 I5	w=?	/100
I6 Permission excess	w=15	100/100
I7 I7	w=?	/100

Triggered signals

none

Paperwork

Developer	LazyPay
Legal entity	—
Legal email	—
Legal address	—
Legal phone	—
Developer email	hello@lazypay.in
Website	https://lazypay.in
Privacy policy	https://lazypay.in/privacy-policy
Released	Jun 19, 2014
Version	7.4.4
Play listing	https://play.google.com/store/apps/details?id=com.citrus.citruspay&hl=en&gl=us

Permissions (22 total, 17 dangerous)

Camera: take pictures and videos
Contacts: find accounts on the device
Contacts: read your contacts
Device ID & call information: read phone status and identity
Identity: find accounts on the device
Location: approximate location (network-based)
Location: precise location (GPS and network-based)
Other: full network access
Other: view network connections
Phone: read phone status and identity
Photos/Media/Files: modify or delete the contents of your USB storage
Photos/Media/Files: read the contents of your USB storage
Storage: modify or delete the contents of your USB storage
Storage: read the contents of your USB storage
read your text messages (SMS or MMS)
receive text messages (SMS)
send SMS messages

Full permission list in the dataset repo. Permissions captured at harvest time; apps update silently.