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ZestMoney Buy Now Pay Later

ZestMoney Buy Now Pay Later


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About ZestMoney Buy Now Pay Later

ZestMoney is one of the fastest-growing fintech companies which is primarily engaged in consumer lending across India. The company was set up in 2015 and since then it has managed to build a platform to constantly improve the lives of millions of households across the nation. It mainly caters to individuals who do not have credit cards or other modes of finance due to poor credit history.

ZestMoney uses mobile technology to engage in digital banking using artificial intelligence to further ensure that millions of consumers can have an affordable lifestyle. It constantly engages in means to ensure that customers are put in touch with relevant lending partners while managing a good credit record for them. The innovative technology used at ZestMoney helps to provide affordable finance to most consumers. It was also chosen by the World Economic Forum as a Technology Pioneer this year.

Borrowers who have limited or poor credit history can make the most of the products provided by ZestMoney. The company also boasts of financial backing from many leading global investors.

How it Works

ZestMoney app allows you to pay your EMIs even without having any strong credit history or owning a credit card. The payment process at ZestMoney is entirely done online, and you can pay for the whole cart amount via EMIs.

  • All you have to do is register with ZestMoney in one of the ways given below:
    • Register on the company website and first verify your credit limit.
    • Apply for an account with ZestMoney while you shop and checkout at any partner merchant.

It is important to note that you must update basic personal details during registration. Some of the required information includes income proof, employment details, etc.

  • Once you are done with providing necessary information, the company initiates a risk analysis on the given information and you will get a notification regarding your eligibility once this step is complete.
  • After the registration process is done and you receive final approval from the company, a credit limit will be allotted to you. The amount which you are allowed to spend on EMI must be within this stipulated credit limit.

Key Features

The main features of ZestMoney’s buy now pay later are as below:

  • Customers can opt for EMI payments without owning a credit card
  • Instant approval guaranteed
  • Easy and simple account opening procedure
  • Flexible EMIs depending on the customer’s convenience
  • No prepayment penalties
  • Transparent fee structure which is easy to understand
  • No hidden charges


Mentioned below are the eligibility criteria which have to be fulfilled by ZestMoney customers:

  • Applicants must be between 18 and 65 years of age for using ZestMoney’ services
  • Only Indian residents are allowed to use this service
  • A PAN card is a must along with Aadhaar car and an active bank account
  • Owning a credit card is not mandatory
  • The company does not have any specific salary requirements for the registration process to be complete

Partner Sites

ZestMoney has tied up with nearly 1000 e-commerce websites which offer services ranging from fashion to electronics, mobiles, luxury goods, healthcare and even furniture. Here is the list of the leading websites that are associated with ZestMoney:

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

No Cost EMI @ 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:

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

No-Cost EMI @ MakeMyTrip

Your dream vacation can become a reality with ZestMoney. ZestMoney EMI allows you to make repayment of your travel expenditure with flexible monthly instalments. No-cost EMI can be availed by opting for a 3-month or 6-month EMI payment schedule. This means that an international trip for an annual holiday which would cost you approx. Rs. 65,000 can be divided into monthly repayments of Rs. 10,833 spread across 6 months. This is possible with the ZestMoney app. There will be no additional interest charged on this setup. Here are the important steps to be followed for payment process:

  • Select the package you would like on MakeMyTrip website and go for the “Book” option.
  • Within payment options, select Net Banking.
  • Click on ZestMoney EMI available in the banking options.
  • You can then log in using your ZestMoney details and complete the payment process.

No Cost EMI @ Flipkart

Binge into some of the best deals at Flipkart by using ZestMoney app. Here’s how you can make the most of it.

  • Signup for ZestMoney and know your credit limit.
  • All you have to do is follow some simple steps and verify your mobile number.
  • Your credit limit can then be activated.
  • Make sure to complete your profile, furnish the necessary KYC documents and select a repayment option for activating your credit limit.
  • At the time of checkout, select ZestMoney EMI option.
  • While shopping, once you have selected the product you want to buy, go to the checkout option and select ZestMoney EMI within the payment method.
  • You will then have to choose your preference of EMI plan.
  • After selecting ZestMoney EMI for preferred payment mode, you can select the EMI plan based on your convenience.
  • And that is all, continue making the most of the EMI option once it is approved.
  • EMI plans are generally approved by the lending partners of ZestMoney and your order for the product is successfully placed. Flipkart then ships the product depending on your delivery option you may have selected.


1. Is there a way to check my credit limit with ZestMoney?

For checking your credit limit, you can give a missed call to 9513650707. You must call this number only from the registered mobile phone number. Post the missed call, you will receive an SMS indicating your credit limit.

2. What is Perfios?

Perfios is a web-based application used by ZestMoney for securely accessing recent bank statements provided by its customers.

3. If my application gets rejected after making a down-payment, what could be the possible reason?

Your application could be rejected because you may not have provided the necessary documents. It could also be because you may not have updated the application form as prescribed. If this is the case post making a down-payment, the company will give a complete refund within 48 hours, without deducting any additional fees. The amount will be credited to your account within 7 working days.

4. Can I switch to a different EMI plan in the middle of an arrangement with ZestMoney?

Unfortunately, you cannot. If you wish to change your EMI tenure, you have the option of repaying your EMIs in advance without being charged any additional fees.

5. Can the repayment date of EMIs be changed?

No, an amendment to EMI repayment is not allowed.

6. What if there is a mistake or error in my EMI amount?

You can recheck the loan agreement and in case of any discrepancies you can reach out to the customer support department of ZestMoney at 9343422556. Alternatively, you can email the company at for rectifying such discrepancies.

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