Buy Now Pay Later Across India

Why pay the full amount now ?  When you can buy now pay later in India with easy, flexible ZestMoney EMIs and shop across 3000+ online & in-store merchants in India. Enjoy a completely online process & 0% interest. No credit card or credit score required.

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Learn how it works

With ZestMoney you can Buy Now Pay Later for complete range of products and services across top e-commerce websites like Amazon, Flipkart, Myntra, MakeMyTrip, Yatra and across 3000+ more merchant partners. You can shop now and pay later in small EMIs. When you sign up with ZestMoney, you get an instant credit limit approval, which you can use to make purchases. There is no down payment, no processing fees and you can choose flexible repayment periods as per your need. No credit card or debit card required. It’s easy, convenient and hassle-free.

Buy Now Pay Later for all your needs

Through ZestMoney’s flexible no-cost EMI repayment options, you can shop now and pay later across categories such as:

  • Home Appliances: Buy your favorite home appliances including smart TVs, washing machines, ACs, kitchen appliances, music systems and much more on no-cost EMI (0% interest scheme).
  • Laptops: With Zest’s buy now pay later in India no-cost EMI options, you can purchase top laptops on EMI across leading brands such as Dell, Lenovo, Asus, HP, Apple and many others.
  • Mobile phones: If you’ve been eyeing your dream smartphone for months, wait no more. All you have to do is sign up with Zest and use your Zest credit limit across partner sites such as Amazon, Flipkart and Croma to shop now and pay later for your dream smartphone on no-cost EMI.
  • Fashion: Through ZestMoney, you can purchase your favorite apparel & accessories across major fashion websites such as Myntra through no-cost EMI. You can buy your favorite fashion accessories today and pay for it at your own pace through flexible payment options post purchase.
  • Furniture: Make your dream home come to life by purchasing beautiful furniture on EMI. ZestMoney’s no-cost EMI option allows you to buy furniture now and pay later, even without a credit or debit card. You can use Zest even if you have a low credit score.
  • Travel: Does a holiday to Europe or the Maldives seem way too expensive? It doesn’t have to be if you can pay for your holiday on EMI. Through ZestMoney, you can buy a range of travel and holiday packages on digital partner sites such as MakeMyTrip, Yatra and Pickyourtrail, and pay later.
  • Insurance: Insurance can be expensive especially when you have to pay a large sum of money upfront. However, with ZestMoney’s no-cost EMI – 0% interest options on insurance, you can purchase top insurance plans on EMI across partner companies such as SBI General Insurance, ICICI Lombard, Royal Sundaram General insurance and more by buying now and paying later!
  • Education: If you are planning to take your career to next level by investing in your knowledge and skills, you can count on ZestMoney for covering your financial needs for some amazing educational courses at Udacity, UpGrad, Edureka, SimpliLearn and many more educational sites.

Buy Now Pay Later with ZestMoney at leading merchants across India


  • Flipkart


How to Buy Now Pay Later using 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. Head to the store you wish to buy

    You can use your ZestMoney credit limit at Amazon, Flipkart, Myntra, MakeMyTrip, Yatra, Hidesign, Croma, Crossword, Big Bazaar, Home Centre, Lifestyle, Pantaloons, William Penn, Allen Solly, Fabindia, Levis, Pavers England, Peter England, Van Heusen and Raymonds at Mall of India.

  4. Choose the best EMI plan

    Select ZestMoney EMI as your payment method at preferred partner, you can choose the EMI plan as per your convenience.

  5. Congrats, your EMI is approved

    Your EMI plan will be approved and your shopping vouchers will be emailed to you. During checkout, you can use the generated vouchers to make your payment.

You’re the centre of our universe!

  • “ZestMoney is the "Best money". It's a seamless and easy process and I have never faced any hassle while applying. Always had 100% approval. ”
    Rumzan Sheikh
  • Great app that I came across. The services are also very quick. Instant loan approval. I have bought many things through ZestMoney hassle free.
    Shrinivas Telkar
  • “I just wanted to buy a few products. On Facebook, I found the ZestMoney platform which helps me a lot to fulfill my dreams at the right time. Thank you so much, team.”
    Arun Kumar
  • From my point of view, ZestMoney is incomparable. I am fully satisfied with ZestMoney. Thanks
    Govinda Das
  • Very good service. I came to know about ZestMoney very late else I could have bought a lot of household products through Pepperfry with the financial help from ZestMoney. Thanks to you!
    Vivek Kumar

Frequently Asked Questions

How does 'Buy Now Pay Later' work?

ZestMoney’s ‘Buy Now Pay Later’ works in a very simple way. All you need to do is sign up on the ZestMoney website, upload your documents online. ZestMoney will instantly give you a credit limit. Once you get the ZestMoney credit limit, you can buy what you want across partner websites and 3000+ merchants using that credit limit and pay for it later through small EMIs. 

Am I eligible for 'Buy Now Pay Later'?

To be eligible for ZestMoney’s  ‘Buy Now Pay Later’, you need to be an Indian citizen, be 18+ years old, have a bank account and KYC documents. You don’t need a credit or debit card. If you check these boxes, you’re eligible to apply for the ZestMoney credit limit.

Where can I shop using the 'Buy Now Pay Later' option?

When you choose your payment option on 3000+ merchants and partner websites while checking out, simply choose the bright green ZestMoney logo. Then, you will be able to use your ZestMoney credit to pay for whatever you want. In case you want to avail Zest credit in physical stores such as Croma, simply request for the same at the payment counter.

Can I shop on EMI without a credit card?

At ZestMoney, we believe that lack of credit card should not prevent you from making payments using credit. Sign up with ZestMoney, upload a few documents and get ready to receive ZestMoney credit limit. Use Zest credit to make a wide range of purchases on no-cost EMI on our partner websites. Just shop now, pay later!

What documents do I need to provide to avail 'Buy Now Pay Later'

To avail ZestMoney’s  ‘Buy Now Pay Later’, you need to provide identification proofs such as PAN and Aadhaar. You also need to submit a bank statement to be eligible for ZestMoney’s no-cost EMI options.

How can I get an EMI on Amazon/Flipkart/Myntra without a credit card?

Amazon, Flipkart and Myntra are partner websites of ZestMoney, which means that you can buy a whole range of products on these sites using ZestMoney EMIs. As long as you have enough ZestMoney credit limit, you can buy whatever you want. Simply choose ZestMoney as your payment option when you checkout on these partner websites.  You can also buy gift vouchers on ZestMoney app and use that on Amazon and Flipkart.

How do I set up my repayments for my EMI?

When you create your ZestMoney account, ZestMoney will help you set up your preferred online repayment option through NACH. When you make a purchase at the partner website using ZestMoney, you can choose a repayment period between 3,6,9 and 12 months based on your preferences. It is an easy, convenient, hassle free, digital friendly solution. Just shop now, pay later!