ZestMoney - Shop on easy EMIs 1.40.33

ZestMoney is a leading digital financing solutions provider in India. It aims to make a better life accessible to everyone by offering affordable payment options. With ZestMoney, you can buy now and pay back in either 30 days or 3 or 4 months, whichever works best for you. The approval process is quick and easy, allowing you to enjoy the convenience of easy EMIs at over 10,000 online and 85,000 offline stores.

Whether you're looking to purchase a laptop, TV, DSLR camera, or mobile phone, ZestMoney offers the opportunity to do so on EMI with 0 down payment and 0 interest at various partner online and offline stores. What sets ZestMoney apart is that you can avail of a no-cost EMI without needing a credit card or CIBIL score. Plus, loyal ZestMoney customers are also eligible for personal loans, making it a versatile loan app that meets your diverse financial needs. You can use your instant credit limit to shop across popular platforms like Amazon, Flipkart, MakeMyTrip, Yatra, Myntra, and more while conveniently paying back in easy EMIs.

ZestMoney has partnered with registered banks and NBFCs to facilitate consumer loans. Its services are trusted and loved by over 11 million users across India, and it has provided loans to customers in more than 16,000 pin codes ranging from INR 1,000 to INR 10 Lakhs!

To benefit from ZestMoney's flexible EMI options and hassle-free process:

• Download the ZestMoney app
• Complete your profile
• Submit the required documentation
• Activate your credit limit

When it comes to using ZestMoney, you have an extensive network of online stores at your disposal. You can make purchases on popular platforms like Amazon, Flipkart, MakeMyTrip, Myntra, Yatra, Mi, Oyo, Sangeetha Mobiles, and many more. From smartphones to speakers, ZestMoney allows you to buy a wide range of products from these stores.

ZestMoney also offers personal loans through its lending partners to select customers based on different factors such as repayment behavior. The loan tenure can vary from 3 months to 24 months with zero prepayment fees.

For example, if you take a loan amount of ₹1,00,000 with a tenure of 12 months and an interest rate of 22%, your monthly EMI will be ₹9,359. The processing fees, including GST, will be ₹4,000. The total interest payable over the 12-month period will be ₹12,313, making the total amount payable in 12 months ₹1,16,313. The total cost of the loan, including interest and processing fees, will be ₹16,313. The flat interest rate is approximately 12.3% (~1.03% per month), and the maximum Annual Percentage Rate (APR) is around 40%.

ZestMoney prioritizes responsible lending and has partnered with RBI-Authorized NBFCs and Banks to ensure the legitimacy and reliability of its services. Some of its lending partners include Aditya Birla Finance Limited, Kisetsu Saison Finance India Private Limited, Catholic Syrian Bank Limited, Hedge Finance Limited, Hero FinCorp Limited, Hinduja Leyland Finance Limited, Northern Arc Capital Limited, State Bank of Mauritius Ltd, Tata Capital Limited, DMI Finance, Edelweiss Broking Ltd., IIFL Wealth Management Ltd., InCred Financial Services Limited, MoneyWise Financial Services, Nahar Credits Pvt Ltd, and Piramal Capital & Housing Finance Limited.

With ZestMoney, you can conveniently manage your loans, view and manage past and active loans, make repayments, apply for personal loans, and explore merchant partners across various channels. Should you require any assistance, ZestMoney's customer support is readily available via phone or chat to resolve any queries you may have.

For more information, you can visit ZestMoney's Privacy Policy here.