Shop now & pay in EMI without credit card

Enjoy the convenience of EMIs on smartphones, fashion, travel, education, healthcare & more with ZestMoney. No credit card, debit card or credit score required. Shop on EMI across Amazon, Flipkart, Myntra, MakeMyTrip, Yatra and 10000+ brands. Hassle-free credit limit approval in 5 minutes. 

0% interest EMI

Enjoy no cost, interest free EMI when you choose 3 months EMI plan

3-12 months EMI plan

Choose your convenient repayment term from our wide range of EMI plans

No down payment

We don’t ask for upfront payment for you to complete your purchase

No application fee

You don’t have to pay any additional application charges. No strings attached

No processing fee

We will process your EMI application without charging you a single penny

No pre-closure fee

You can close your EMI without having to pay any additional fees

3 steps to fulfil your dream with ZestMoney EMI

  1. Signup for ZestMoney credit limit

    Signing up for a ZestMoney credit limit is very simple. Just verify your mobile number and you’re good to go!

  2. Activate your credit limit

    Complete your profile, submit the required KYC documents and set up your repayment to activate your credit limit.

  3. Pay with ZestMoney EMI

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

Sign up to get started

You’re the centre of our universe!

  • “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
  • “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