Zest Money CardLess Credit Card Details

Zest Money CardLess Credit Card

ZestMoney (Camden Town Technologies Private Limited.)

Zest Money Credit Card

ZestMoney is the largest and fastest growing consumer lending fintech company in India founded by Lizzie Chapman, Priya Sharma and Ashish Anantharaman in 2015.

ZestMoney is built as a platform that can meaningfully improve the lives of more than 300 million households in the country, who currently have no access to credit cards or any other formal financing options because of insufficient credit history.

ZestMoney’s unique platform uses mobile technology, digital banking and Artificial Intelligence to make life more affordable to millions of Indian consumers by putting customers in touch with our lending partners and managing their credit for them. ZestMoney’s innovative technology and work to make affordable digital finance accessible led to their selection as a 2020 Technology Pioneer by the World Economic forum.

Zest Money Benefits

Enjoy guilt-free shopping – Pay later in 3 parts at 0% interest*. For more convenience, pay in 6, 9, & 12 parts as well.

*0% interest applicable only on the Pay-in-3 option/select offerings.

Zero processing fees.

No Cost EMI.

Use Zest to pay when making payments at 100,000 offline and 15,000 online stores.

Provide Cardless Credit.

Paperless Process.

Fully online process to get instant credit.

KYC is fully online done through your mobile.

Getting Zest Money These Links

Zest Money Download Links

Click Here to download for your android device

Click Here to Download From App Store For You IOS, For Apple Devices

You can also use website to get instant credit click here

How to use ZestMoney?

You can generate Coupon on ZestMoney app or website and add the shoping app you can shoping.

You can also use shoping app and website to Cart checkout time choosing the payment link with ZestMoney and get EMI option and pay the amount.

जेस्ट मनी क्या है?

जेस्ट मनी एक कार्डलेस क्रेडिट कार्ड प्रोवाइडर है जो आपको लॉन का सुविधा प्रदान करता है। इसमें लोन लेने से लेकर लोन देने का सारा प्रक्रिया ऑनलाइन होता है आप अगर क्रेडिट स्कोर अच्छा है तो आप भी ऊपर दिए गए लिंक से जेस्ट मनी से क्रेडिट प्राप्त कर सकते हैं।

जेस्ट मनी एक विश्वसनीय लॉन प्रोवाइडर है। पूरी तरह से ऑनलाइन प्रोसेस है इस वजह से आप घर बैठे उधर ले सकते हैं।

ZestMoney आपको जीरो परसेंट इनेटरेस्ट पर लॉन देता है, नो कॉस्ट ईएमआई की सुविधा भी प्राप्त कर सकते हैं अगर आप तीन महीना का प्लान लेते हैं तो आपको ये सुविधा मिलता है, आप पर्सनल लोन भी ले सकते हैं इस एप से,

जेस्ट मनी को कहां यूज कर सकते हैं

100,000 ऑफ़लाइन और 15,000 ऑनलाइन स्टोर पर भुगतान करते समय भुगतान करने के लिए Zest का उपयोग कर सकते हैं.

जैसे फ्लिपकार्ट, अमेजन, मिंत्रा, ajio, Mi स्टोर, vivo, और बहुत सारे प्लेटफॉर्म से शॉपिंग कर सकते हैं।

ZestMoney को उसे कैसे करें?

ZestMoney को उसे करने के लिए आप ZestMoney के एप में कूपन जेनरेट कर सकते हैं और जिस शोपिंग साइट से एप शोपिंग करना चाहते है उस एप इस कूपन और पिन को ऐड कर शोपिंग कर सकते हैं

स्टेप 1- ZestMoney को ओपन करे और जिस ईकॉमर्स वेबसाइट से शोपिंग करना चाहते है उसको सेलेक्ट करें।

स्टेप 2- अब आप शोपिंग अमाउंट को सेलेक्ट करें जितना आपको लिमिट मिलता है उससे बराबर या कम अमाउंट भरें.

स्टेप 3- अब आपको प्लान सलेक्ट करना है कितना दिन में आप पे करना चाहते हैं अगर 3 महीना वाला सेलेक्ट करते हैं तो आप एक्स्ट्रा पे नहीं करना पड़ेगा, अगर आप 3 महीना से ज्यादा का प्लान पसंद करते हैं तो आप उसमें इंटरेस्ट देना पड़ेगा, तो अपने हिसाब से ईएमआई अमाउंट को सेट कर लें.

स्टेप 4- अब प्लान को कन्फर्म करें अब आपके पास एक ऑप्शन है अगर आप लॉन को सिक्योर/इंश्योरेंस करना चाहते है इंश्योरेंस करा सकते हैं इस ऑप्शन को एप सेलेक्ट करते हैं तो आपको इंश्योरेंस का प्रीमियम पे करना पड़ेगा आप नहीं भी ले सकते हैं।

स्टेप 5- अब आप जेनरेट कूपन में जा सकते हैं आप का कूपन और पिन जेनरेट हो जायेगा,

स्टेप 6- कूपन और पिन आपको रजिस्टर मेल और ZestMoney के एप और वेबसाइट में मिल जायेगा इसको शेयर नहीं करें नहीं गलत उपयोग हो सकता है, अब इस कूपन और पिन को सेव कर ले.

स्टेप 7- कूपन जेनरेट होने के बाद आप जिस शॉपिंग साइट से खरीदारी करना चाहते हैं उस वेबसाइट में जाके अकाउंट सेटिंग में कूपन add करने का ऑप्शन में जाके अपना कूपन और पिन को डाले आपको कूपन का अमाउंट मिल जायेगा.

स्टेप 8- अब आप शॉपिंग कर सकते हैं.

FAQs of ZestMoney

Internet Rate of ZestMoney?

0% interest: Our Pay-in-3 offering is completely 0% and any interest charged will be credited as cashback on successful repayment of each instalment. Other tenure offerings too have no-cost EMI options but differ from merchant to merchant. Please check the terms and conditions before making the payment.

ZestMoney No Cost EMI?

What does no-cost EMI mean?

A no-cost EMI is an offer where you can pay for a product or service in affordable monthly instalments with zero interest and zero processing fees. This means that you are only paying for the total price of the product, with no extra charges. 

For example, if you buy a product worth Rs 15000 at 3-month no-cost EMI, you will have to pay Rs. 5000 each month for 3 months to your EMI provider (such as ZestMoney), which will be a total of Rs.15000 at the end of 3 months with zero interest cost. In some instances, the interest charged on no-cost EMI will be credited as cashback within 7 working days after each on-time EMI payment.

More information here:  https://www.zestmoney.in/no-cost-emi-guide/

Do I have a credit limit with ZestMoney?

Yes. Once you register on ZestMoney and upload your documents, a credit limit will be given to you. Our lending partners will make ZestMoney EMIs available to you as and when you need them up to this limit.

What are the eligibility criteria?

To use ZestMoney, you must be over 18 years of age and under 65 years. You must be Indian resident and have a bank account, PAN card & Aadhaar card. A credit card is not mandatory.

I do not agree with the amount on my EMI. What should I do?

You can double-check the terms with the loan agreement that we have sent you and call our customer support number at 7440084400 or email us at help@zestmoney.in, so we can rectify it in accordance with any required changes.

Can I change my repayment date ZestMoney?

We’re sorry to inform you that we will not be able to change your repayment date.

How would a NACH/eNACH setup help?

NACH/eNACH Mandate is payment services that allow us to easily automate recurring payments. Hence, your monthly EMIs will be automatically collected from your bank on the due date. This setup will help you pay your EMIs on time!

PS: Making on-time payments helps increase your CIBIL score.

How can I apply for ZestMoney EMI?

There are two ways to use ZestMoney:

• You can sign up on our website and find out your credit limit. Click here to get started.
• Alternatively, you can apply for a ZestMoney account from the checkout at one of our partner merchants – you can see the partner merchants.

In both cases, we will need a few basic details about you (including your employment details and income proof). Using this information, a risk analysis is performed and you will find out immediately if your loan has been approved by our lending partners.

What is ZestMoney?

ZestMoney is the fastest way to pay using EMI even if you do not have a credit card. Using its completely online process you can pay for your entire cart amount in EMIs of your choice as and when made available to you by our lending partners. Loans taken through our platform have some of the highest approval rates and zero pre-closure charges.

Does ZestMoney decline my application after making the down-payment?

In a very small amount of cases, an application will be declined after making the down payment. This is usually because the customer did not have the required documents or put wrong information on the original application form.

In case your application is declined after the document check, we will initiate the complete refund (without any fees/charges) within 24-48 hours. The refunded amount will reflect in your account within 5-7 working days.

When will I get the disbursal for my personal loan?

Personal Loan Disbursals will happen in 7 working days post loan activation.

Fees and charges applicable on a loan?

In case of delayed payments, a flat fee of Rs 250 per EMI is charged. No other charges/hidden costs are levied.

Is there a fixed salary income for the application to be accepted by ZestMoney?

No, we do not have a fixed income requirement for accepting the EMI application. We review every application independently based on many different data points.

How to check my available credit limit?

Request you to give a missed call to 9513650707 from your registered phone number and you will receive an SMS with your available credit limit.

Are there any penalties for paying off my ZestMoney EMI early?

No. You can repay all or some of your outstanding balance at any time without penalty. The amount you repay will depend on the date of the month. Please call our helpline at 7440084400, and we will help you sort it out.

Can I change my EMI Plan?

We’re sorry to inform you that we will not be able to change your EMI tenure. However, you can pre-close (i.e. repay early) your EMI account at anytime, without any additional charges.

Where can I buy using ZestMoney?

Click here to know our partner merchants, where you can use your ZestMoney EMI as a payment option. More merchants are added every week.

What are the unique features of ZestMoney?

• Avail EMI without a credit card
• Speedy approval
• Easy account opening
• Flexible EMIs to suit your convenience
• Repay any time without any prepayment penalties (foreclosure charges)
• Transparent fee structure
• No hidden charges

How is ZestMoney using Perfios?

Perfios is a web-based personal finance application, which helps ZestMoney to access your recent bank statements in a safe and secure manner.

When will I get the cashback for No-Cost EMI?

Any interest charged on No-cost EMI will be processed as cashback. Cashback will be credited within 7 working days after each on-time EMI payment.

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