• ZestMoney Instant Loan

    ZestMoney is an expanding fintech company that specialises in consumer lending in India. The platform helps in fulfilling the credit needs of more than 300 million households that have limited access to formal financing options, such as credit cards. Borrowers with limited credit history can benefit from the products offered by ZestMoney.

    The platform utilises digital banking channels, mobile technology, and Artificial Intelligence to support the credit needs of its customer base. The company has the financial backing of several leading global investors.

    How it Works

    Using the ZestMoney app, you can pay through EMIs even if you do not have a solid credit history or a credit card. The payment process is completely online, and the entire cart amount can be paid in EMIs.

    • You can register on ZestMoney in either of the ways mentioned below:
    • You can register on the official website of the company and check your credit limit.
    • You can apply for a ZestMoney account at the time of checkout at a partner merchant.

    Please note that you will be required to update some basic details about yourself at the time of registration. This includes your income proof and other employment details.

    • The company will initiate a risk analysis based on this information and provide you a notification on your eligibility.
    • Once the registration process is completed and the final approval is provided by the company, you will be allotted a credit limit. The amount you can spend on EMI should be within that credit limit.

    Key Features and Benefits of ZestMoney

    • Customers can pay in EMIs without being in possession of a credit card
    • Approval is instant
    • The account opening process is simple
    • EMIs are flexible, based on the needs of the customer
    • There are no prepayment penalties
    • The fee structure is transparent and easily understood by customers
    • There are no hidden charges

    Eligibility Criteria

    • You should be between 18 and 65 years of age to be able to use ZestMoney
    • You should be an Indian resident
    • You should have a PAN card, Aadhaar card, and a valid bank account
    • You need not have a credit card
    • There are no salary requirements for registering on ZestMoney

    ZestMoney Partners

    ZestMoney has partnered with more than 1000 leading e-commerce websites that provide services spanning categories such as fashion, electronics, healthcare, mobiles, luxury products, and furniture.

    Some of the leading websites that have partnered with ZestMoney are:

    • MakeMyTrip
    • Flipkart
    • Myntra
    • MI
    • PayTm
    • Decathlon
    • Curefit
    • Fossil
    • Royal Sundaram General Insurance
    • Jabong
    • Pepperfry
    • BookMyShow
    • Simplilearn
    • Uber
    • Kurl On

    Repayment Process

    You can set up NACH/eNACH that will help you in automating the recurring repayments. This way, your monthly EMIs will be automatically transferred to ZestMoney from your bank account on the due date. This is an ideal way to ensure that your EMIs are always paid on time.

    How to Get No-Cost EMI on Amazon?

    When shopping on the Amazon website, you can choose to pay with ZestMoney EMI. The advantage of this is the fact that a purchase of Rs.40,000 can be split out into monthly repayments of Rs.6,666 for 6 months. This will not be associated with any additional fees or interest.

    The steps involved in paying using ZestMoney EMI are as follows:

    1. On the ZestMoney app, apply for an Amazon voucher.
    2. You can generate a voucher after selecting an EMI plan based on your budget.
    3. On the Amazon website, you can add the voucher code to Amazon Pay.
    4. At the time of payment on the Amazon website, use the voucher as the payment method.

    How to Get No-Cost EMI on MakeMyTrip?

    ZestMoney EMI enables you to repay your travel expenditure in flexible monthly installments. You can avail no-cost EMI when you opt for a 3-month or 6-month EMI schedule. This essentially means that a trip to an international location that may cost you Rs.65,000 can be split out into easy monthly repayments of Rs.10,833 for 6 months with the ZestMoney app. You will not be paying any additional interest on this as well.

    The steps involved in the payment process are detailed below:

    1. Select the package of your choice on MakeMyTrip website and click on “Book”.
    2. Under payment options, choose Net Banking.
    3. Select ZestMoney EMI from the banking options available.
    4. Login with your ZestMoney details and proceed to complete the payment.


    1. How can I check my credit limit on ZestMoney?
    2. To check your available credit limit, you should give a missed call to 9513650707 from the phone number you had provided at the time of registration. You will get an SMS that indicates your credit limit.

    3. What is Perfios?
    4. Perfios is essentially a web-based financial application that ZestMoney uses to securely access the recent bank statements of its customers.

    5. My application has been rejected after I made a down-payment. What is the reason for this?
    6. Your application may have been declined because you did not provide the necessary documents or have updated the application form incorrectly. In case this happens after your down-payment, the company will initiate a complete refund with the next 48 hours, without any additional fees. The refunded amount will be in your account within 7 business days.

    7. Is it possible to switch to a different EMI plan, midway?
    8. No, this is not possible. In case you need a change in your EMI tenure, you can repay your EMIs early without attracting any additional charges.

    9. Can I change the repayment date of EMIs?
    10. No, this is not possible.

    11. There is a mistake in my EMI amount. What should I do?
    12. You should check the loan agreement you have received from the company. In case of any discrepancies, you can contact the customer support cell of ZestMoney at 9343422556. You can also email the company at help@zestmoney.in so that the discrepancy can be rectified.

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