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ZestMoney is India’s fastest growing EMI Shopping app that helps you upgrade your lifestyle by offering you a credit limit that you can use for buy now pay later financing options like no cost EMI without credit card or CIBIL score.

Once signed up, you can shop across Amazon, Flipkart, MakeMyTrip, Yatra, Myntra, Mi Homes & 8000+ merchants and pay later in easy EMIs. You can buy various products like a laptop, TV, DSLR camera, mobile on EMI at 0 down payment and 0 interest and pay later for your shopping through monthly EMI payments.

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.

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.

Manage loans
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 Merchants
Discover our merchant partners across all channels.

Communicate with our customer support through phone or chat to get your queries resolved.

Frequently Asked Questions

What is the eligibility criteria to sign up for ZestMoney?
You must be 18 years old, an Indian resident, have a bank account, PAN card and government valid address proof.

How do I increase my credit limit?
You can increase your credit limit by making timely repayments. We review credit limits periodically for all customers and increase it based on repayment behaviour.

How can I reach ZestMoney support?
For product, transaction, or loan related queries, please write to us at [email protected] and one of our executives will reach out to you within 24 hours.

** Terms & Conditions apply

ZestMoney Privacy Policy :

From version ZestMoney - Shopping on EMI without credit card 1.1.8:

The latest version of ZestMoney app offers you a faster and smoother experience on your Buy Now Pay Later journey. With ZestMoney you get:
- Credit limit in 5 minutes
- Know your credit score
- Exclusive offers on your favorite merchants
- Instant paperless approval
- No cost EMIs
- Zero hidden fees

Its the only trusted pay later app you will need for all your EMI shopping across Amazon, Flipkart, Myntra, Yatra, MakeMyTrip, Sangeetha Mobiles, Croma and 8000 other merchants.

Download Now.

All versions