ZestMoney is India’s fastest growing buy now pay later company that helps you shop on EMI without credit card. You can buy various products like a laptop, TV, DSLR camera, mobile on EMI at 0 down payment and 0 interest at our partner online and offline stores. It offers you no cost EMI without credit card or CIBIL score. Loyal ZestMoney customers are also offered personal loans making it the only loan app that you will ever need.
Get your instant credit limit today and shop across Amazon, Flipkart, MakeMyTrip, Yatra, Myntra, Mi Homes & 8000+ merchants and pay later in easy EMIs. ZestMoney is the one stop solution for all your EMI needs from Electronics like mobiles, smart watches etc. to Appliances like TV, refrigerator, AC and more.
ZestMoney is India’s leading digital financing solutions provider. It has partnered with registered banks & NBFCs through which it facilitates consumer loans. It is loved by more than 6 million consumers across India. Customers from more than 16K pin codes have availed loans through ZestMoney ranging anywhere from INR 1,000 to INR 10 Lakhs!
Awards & Recognition
ZestMoney was named a Technology Pioneer by the World Economic Forum in 2020. In the same year, CB Insights recognized ZestMoney as one of the 250 most promising fintech companies in the world.
Download to shop now and pay later with zero cost EMI !
Why should you use ZestMoney?
● Best Pay Later App with affordable EMI tenures
● Shop on EMI with 8000+ merchants
● Fully digital process with no paperwork
● Instant loan approval and disbursal
● No credit card or CIBIL score required
What are the unique benefits of using ZestMoney?
★ Avail 0% Interest EMI**
★ 0 down payment
★ Zero application fees
★ Zero processing fees**
★ No pre-closure fees
How do you sign up with ZestMoney?
● Download the ZestMoney app
● Complete your profile
● Submit required documentation
● Activate your credit limit
Where can you use ZestMoney?
You can make purchases on Amazon, Flipkart, MakeMyTrip, Myntra, Yatra, Mi, Oyo, Sangeetha Mobiles & 8000+ other merchants across online and offline channels. You can buy anything from smart phones to speakers from these stores.
How can you avail personal loan through ZestMoney?
ZestMoney facilitates personal loans through its lending partners to select customers based on different factors like good repayment behavior etc. The loan tenure can vary from 3 months to 36 months. The maximum cost (interest & processing fee) can go up to 36% based on an individual's credit profile, although most of our customers incur much lower cost. As an example, if you take a personal loan of Rs.20,000 for a tenure of 12 months at 20% interest rate, you will have to pay a processing fee of Rs.708 (3% of loan amount & GST) and your EMI will be Rs.1853. The total interest charged will be Rs.2232 (which is already included in your earlier mentioned EMI amount). Hence, you will be paying a total of Rs.22,940.
What can you do with the ZestMoney app?
Purchase Gift Cards
You can buy gift cards for Amazon, Flipkart, Myntra etc.
View/manage past and active loans in your account.
Make repayments for active loans to increase your available credit limit.
Apply for Personal Loan
Eligible customers can apply for a personal loan.
Discover our merchant partners across all channels.
Communicate with our customer support through phone or chat to get your queries resolved.
** Terms & Conditions apply
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