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5 Easy Steps to Get Instant Personal Loan With ZestMoney

Looking for an instant personal loan? We’ve got you covered!

No Documentation Required, Fully Digital. Interest rates starting at 14%. Fulfill your cash needs today.

Instant Loan to existing ZestMoney consumers!

9-24 months tenure

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

No pre-closure fee

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

No extra documents

Yes, you read that right! We don’t need any extra documents from you.

No application fee

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

How to avail personal loan from ZestMoney?

*Note* ZestMoney offers instant personal loan exclusively to consumers with a ZestMoney credit limit! If you don’t have a credit limit, no problem. Sign up today!

  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. Shop at any of our merchants partners

    You can utilise your credit limit to shop at any of our 1000+ merchant partners.

  4. Become eligible for Personal Loan

    Once you shop with any of our merchant partners and make consistent repayments, you will be eligible to avail an instant loan through our platform.

  5. Avail your Personal Loan

    Once you’re eligible, you avail a personal loan without submitting any additional documents.

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, Credit Saison, IIFL, Hero FinCorp Limited, INCRED, MONEYWISE, FINANCIAL SERVICES PVT. LTD., Piramal Capital, CSB Bank, NAHAR, Edelweiss, DMI Finance, SBM Bank

Have an active ZestMoney credit limit?

Upgrade your lifestyle with our personal loan!

You’re the centre of our universe!

  • I ordered a hard disk on Amazon. Now you guys offered a personal loan of 75k. ZestMoney is a must have financial institution. No paperwork. Disbursement in just 15 minutes. This is something major banks miss out on. ZestMoney is awesome!
    Syed Faisal
  • No.1 digital credit in India till date. Real-time documentation verification then approved in just 15 minutes. I took a loan amount of 140000 for both consumer and personal loan without any hassle till date. 
    Vendra Lokesh
  • ZestMoney is the most trusted lender, my Personal loan process from documentation to money disbursal was super fast, like Bullet train. You guys just like Alladin Ka Chirag, anyone can come and get his wish granted, you guys are really, really awesome! I wish I could give you 100 stars if it was possible. Thank you team ZestMoney.
    Rajan Singh
  • I have been waiting long for my GoPro and even though I paid my EMI for Bajaj Finserv they didn’t release. So, ZestMoney was an emotional connect for me, within 5 mins I got 55K Personal Loan, and I got my long-awaited product. Easy Payments option, Pre Payment & No hassle. I recommend this.
    Chota Tiku
  • “Picking up a mobile was easy. When the repayment started on time a Personal loan was offered at a better rate of interest and that too on time for me. Loving the experience ZestMoney. Hats off to the team behind. Great going and grow more. Let's have a lifelong relationship.”
    Arun JP
  • Great Experience!! Very fast approval of loans, I am using ZestMoney at Flipkart. Without any credit card or any down-payment, I got my loan approved very fast. Thanks a lot, ZestMoney. Highly recommend it.
    Arun Thakur
  • I bought an air conditioner last Diwali on Flipkart with ZestMoney. As promised, the cash back was immediate. It's a real motivation in seeing my repayment track, and they offered a personal loan as well. What a wonderful experience.
    Sidhu Bhuvana
  • The best and easiest way to avail a loan. In Kashmir, most banks avoid lending loans to us and this is the first company who trusts us and provides the amount to purchase on Flipkart with least formalities.
    Muzafar Shah
  • Great experience! ZestMoney is the option for those who don't have a credit card. One time very Easy process. No cost EMI options available on Flipkart. I recommend all to just go for ZestMoney.
    Pramod Darekar
  • “Applied for loan with Flipkart and got it within few hours. Interest will be given back as cash back is amazing.”
    Johnwell Wesley