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FAQs related to application process

ZestMoney is the fastest way to pay using EMI even if you do not have a credit card. Using its completely online process you can pay for your entire cart amount in EMIs of your choice as and when made available to you by our lending partners. Loans taken through our platform have some of the highest approval rates and zero pre-closure charges.

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  • Avail EMI without a credit card
  • Speedy approval
  • Easy account opening
  • Flexible EMIs to suit your convenience
  • Repay any time without any prepayment penalties (foreclosure charges)
  • Transparent fee structure
  • No hidden charges
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There are two ways to use ZestMoney:

  • You can sign up on our website and find out your credit limit. Click here to get started.
  • Alternatively, you can apply for a ZestMoney account from the checkout at one of our partner merchants – you can see the partner merchants.

In both cases, we will need a few basic details about you (including your employment details and income proof). Using this information, a risk analysis is performed and you will find out immediately if your loan has been approved by our lending partners.

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Yes. Once you register on ZestMoney and upload your documents, a credit limit will be given to you. Our lending partners will make ZestMoney EMIs available to you as and when you need them up to this limit.

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Request you to give a missed call to 9513650707 from your registered phone number and you will receive an SMS with your available credit limit.

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To use ZestMoney, you must be over 18 years of age and under 65 years. You must be Indian resident and have a bank account, PAN card & Aadhaar card. A credit card is not mandatory.

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No, we do not have a fixed income requirement for accepting the EMI application. We review every application independently based on many different data points.

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Perfios is a web-based personal finance application, which helps ZestMoney to access your recent bank statements in a safe and secure manner.

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In a very small amount of cases, an application will be declined after making the down payment. This is usually because the customer did not have the required documents or put wrong information on the original application form.

In case your application is declined after the document check, we will initiate the complete refund (without any fees/charges) within 24-48 hours. The refunded amount will reflect in your account within 5-7 working days.

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Personal Loan Disbursals will happen in 7 working days post loan activation.

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Any interest charged on No-cost EMI will be processed as cashback. Cashback will be credited within 7 working days after each on-time EMI payment.

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FAQs related to EMI repayments

We’re sorry to inform you that we will not be able to change your EMI tenure. However, you can pre-close (i.e. repay early) your EMI account at anytime, without any additional charges.

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We’re sorry to inform you that we will not be able to change your repayment date.

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NACH/eNACH Mandate is payment services that allow us to easily automate recurring payments. Hence, your monthly EMIs will be automatically collected from your bank on the due date. This setup will help you pay your EMIs on time!

PS: Making on-time payments helps increase your CIBIL score.

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No. You can repay all or some of your outstanding balance at any time without penalty. The amount you repay will depend on the date of the month. Please call our helpline at 6269000097, and we will help you sort it out.

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You can double-check the terms with the loan agreement that we have sent you and call our customer support number at 6269000097 or email us at help@zestmoney.in, so we can rectify it in accordance with any required changes.

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Please fill in the form and one of our support executives will reach out within 24 hours.