Shop now & pay in EMI without credit card

Enjoy the convenience of EMIs on smartphones, fashion, travel, education, healthcare & more. No credit card, debit card or credit score required.

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Pay with ZestMoney at these leading merchants

  • EMI on MakeMyTrip
  • Emi on flipkart
  • emi on amazon
  • EMI on Myntra
  • Xiaomi smartphones on EMI
  • EMI on Lifestyle

Pay using 0% interest EMI

Enjoy no cost EMI at select partner stores & fulfil your wishlist.

3 steps to fulfil your dream with ZestMoney EMI

  1. Signup with ZestMoney

    Complete your profile to signup with ZestMoney & discover your credit limit.

  2. Activate your credit limit

    Upload your KYC & setup automatic repayments to start using your credit limit across our 1000+ merchant partners.

  3. Pay with ZestMoney EMI

    Visit our merchant partner & make payment using your ZestMoney credit limit.

Meet ZestMoney

Founded in 2016, ZestMoney is the largest and fastest growing consumer lending fintech company in India. We offer instant financing, at the checkout using technology to make life more affordable for everyone.

6 million happy consumers

3000+ merchants

4.7 star Google review rating

  • Awesome! You are getting service here which you cannot get in the bank if you have no credit history. I will be your customer for life even if I move up beyond the need on serious, I am sincerely grateful for this privilege! 
    Huveto Khamo
  • “I have been a user of ZestMoney for the last two years. Through this period I have taken 8 ZestMoney loans without any hassles & Fast, now I do not need a credit card to do any shopping. Thank you! You have fulfilled all my needs.”
    Ritesh Rai
  • “Genuine, Quick online verification and process, Sanction within no time. I like this, it's very reliable and immediate processing and sanction. No additional charges and processing charges. Quick disbursement and hassle-free. Really, it is excellent.”
    Ravindraprasad Pelluru
  • “Very simple documents. Their word of commitment is very strong. They really trust customers. All my small dreams have come true because of ZestMoney. Love you ZestMoney.”
    Praveen Pal
  • “ZestMoney is wonderful platform for everybody you can also easily process to help us with our dreams and in our requirements, I will pay faithfully for ZestMoney.”
    Amit Verma

Press coverage

  • Forbes ZestMoney

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