ZestMoney. Dream big, pay small.
A better life is for everyone. And ZestMoney helps make it accessible for millions to upgrade, to enhance, to rise, while keeping it affordable. Shopping with ZestMoney gives you the freedom to buy right now and repay in either 30 days, or 3 or 4 months. You get to pick what works best for you. With a quick 3-step approval process, ZestMoney offers buy now in easy EMIs option at over 10,000 online & 85,000 offline stores.

Buy anything from laptop to TV to DSLR camera to a mobile on EMI at 0 down payment and 0 interest at our partner online and offline stores. Get 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 & 10,000+ online stores and pay in easy EMIs.

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 11 million users across India. Customers from more than 16K pin codes have availed loans through ZestMoney ranging anywhere from INR 1,000 to INR 10 Lakhs!

Download to shop now and pay in easy EMIs!

Why should you use ZestMoney?
● Best EMI Shopping App with affordable EMI tenures
● Shop on EMI with 10000+ stores
● Fully digital process with no paperwork
● Instant loan approval and disbursal
● No credit card or CIBIL score is required

What are the unique benefits of using ZestMoney?
★ Zero down payment
★ Zero application 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 & 10000+ online stores. 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 24 Months (Zero prepayment fees)

Example of the loan calculations:
Loan amount = ₹1,00,000
Tenure = 12 months
IRR = 22%
EMI = ₹9,359
Processing Fees Including GST = ₹4,000
Total Interest Payable: ₹9,359 x 12 months - ₹1,00,000 Principal = ₹12,313
Total amount payable in 12 months = ₹1,16,313
Total cost of loan = Interest Amount + Processing Fees = ₹12,313 + ₹4,000 = ₹16,313
Flat Interest = 12.3% (~1.03% per month)
Maximum Annual Percentage Rate (APR) = ~40%

Responsible Lending:
ZestMoney has partnered with RBI-Authorised NBFCs and Banks.
List of our lending partners:
Aditya Birla finance Limited, Kisetsu Saison Finance India Private Limited, Catholic Syrian Bank Limited, Hedge Finance Limited, Hero FinCorp Limited, Hinduja Leyland Finance Limited, Northern Arc capital Limited, State Bank of Mauritius Ltd, Tata Capital Limited, DMI Finance, Edelweiss Broking Ltd., IIFL, Wealth Management Ltd, InCred Financial Services Limited, MoneyWise, Financial Services, Nahar Credits Pvt Ltd, Piramal Capital & Housing Finance Limited

Manage loans
View/manage past and active loans in your account.

Repayment
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.

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

** Terms & Conditions apply

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