killerloanapps · live: India · Sri Lanka · historical: India · Nigeria · deleted · methodology
ePayLater - Get Instant Credit [India] lending
14 low (partial) · installs 1,000,000+ · rating 4.1465755 (7300) · updated 1786629117000
Corpus: India live · harvested 2026-09-21
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=? | 0/100 |
| I4 I4 | w=? | 0/100 |
| I5 I5 | w=? | |
| I6 Permission excess | w=15 | 72/100 |
| I7 I7 | w=? |
Triggered signals
- none
Paperwork
| Developer | Arthashastra Fintech Private Limited |
| Legal entity | ARTHASHASTRA FINTECH PRIVATE LIMITED |
| Legal email | dev@epaylater.in |
| Legal address | 94, 3G, Kalpataru Aura, Lbs Marg, Ghatkopar - West, Mumbai, Maharashtra 400086, India |
| Legal phone | +91 96199 80898 |
| Developer email | support@epaylater.in |
| Website | https://www.epaylater.in |
| Privacy policy | https://epaylater.in/privacy.html |
| Released | Jul 2, 2019 |
| Version | 5.2.10 |
| Play listing | — |
Permissions (12 total, 8 dangerous)
- Device & app history: approximate location (network-based)
- Device & app history: modify or delete the contents of your USB storage
- Device & app history: precise location (GPS and network-based)
- Device & app history: read phone status and identity
- Device & app history: read the contents of your USB storage
- Other: full network access
- Other: reorder running apps
- Other: view network connections
Full permission list in the dataset repo. Permissions captured at harvest time; apps update silently.