axio: BNPL & Personal Loan 4+

Consumer Credit & Finance

axio Digital Pvt. Ltd.

    • Free

iPhone Screenshots


add axio. add life.

With axio you get exclusive access to Buy Now Pay Later (BNPL) options across a network of 4000+ esteemed merchants. You also get to experience our exclusive Personal Loan product, crafted to help you achieve your dreams and aspirations.

▶ Why axio?

Simple and intuitive, the axio app brings to you our three industry-leading products:

axio Pay Later - our buy now pay later (BNPL) credit facility helps you transform your purchases into affordable EMIs, ensuring a planned and manageable approach with which you can control/manage your finances. Accessible on the axio app, tracking and staying informed has never been easier.

Achieve your aspirations and live your dreams with axio Personal Loans, because we know some things can’t wait. Gain access to exceptional loan options, effortlessly monitor EMIs, and receive timely repayment reminders.

Explore categories across brands you love with the axio Shop feature. Discover the best offers and the convenience of paying with affordable EMIs. Stay informed about the status of your purchases and EMIs on the app.

▶ axio Pay Later

Experience a seamless credit facility that empowers your personal growth. With our carefully designed buy now pay later (BNPL) feature, you can enjoy the convenience of flexible EMIs ranging from 3 to 36 months*.

Hassle-free credit
Available at over 4000+online merchants
No-cost EMIs*

▶ axio Personal Loans

Whether you're looking to have an adventure, or investing in personal development, axio personal loans are specifically designed to help you achieve success. Exclusively available to our valued customers, axio personal loans are specially designed to make you win in life.

Avail up to 4 lakhs
Zero pre closure charges*
Fully digital process

▶ axio Shop

Experience the best in life with top-tier brands across every category on the axio Shop. Purchase apparel, electronics, furniture or even travel on easy EMIs. Exclusively on the app.

Shop from a variety of categories
Partners with over 4000+ brands
Easy EMIs


*Interest rates for axio loans start from as low as 14% & go up to 35% per annum for a tenure ranging 06 to 36 months. A processing fee of upto 2%(+GST) is also applicable on each disbursal.

A representative example: If you take a loan of Rs. 1 Lakh (Principal) at an annual interest rate of 15% (APR) for a tenure of 24 months - your EMI will be around Rs. 4,849 & the processing fee would be Rs. 2,000(+360). Total cost of the Loan would be Rs.1,18,728

Credit offered by Axio Digital Pvt. Ltd. (formerly known as Thumbworks Technologies Pvt. Ltd.) on the axio app is facilitated by RBI-registered NBFC CapFloat Financial Services Private Limited.

▶ About axio

Axio Digital Pvt. Ltd. is not directly engaged in money lending activities & only provides a digital platform to facilitate money lending by registered Non-Banking Financial Companies (NBFCs) or banks or via co-lending arrangements.

axio (formerly known as Capital Float, Walnut & Walnut 369) is the brand name of CapFloat Financial Services Private Limited, an NBFC registered with the RBI.

CapFloat Financial Services Private Limited is a founding member of the Digital Lenders Association of India (DLAI), whose members strive to ensure fair lending practices in the country. DLAI's Code of Conduct can be found here -

For more info, please write to us at or refer to

What’s New

Version 2.1.0

We are listening to your feedback and working hard to make axio app better for you. Here's what's new in this update:
- You can now configure and manage autopay for your axio Pay Later bills. Additionally, if you have configured autopay instructions, you can verify auto-debit status for your axio Pay Later dues.
- UI improvements and bug fixes to make your shopping experience better.

Ratings and Reviews

2.0 out of 5
204 Ratings

204 Ratings

elegant_madhu ,

Money Manager Tab

I was happy when I saw this app on IOS platform but then I was disappointed the next moment when discovered that the Money Manager Tab is not available yet.
When can I expect this feature to be live????

Developer Response ,

Hello Madhu, We are working towards the enabling the Expense Tracker on IOS and please be assured that the option will be enabled very soon. For more information you can share your details here so that we can get in touch with you - Regards, Team axio

I Immy ,

Great App, Missing Expense Tracker

I’ve been using the Axio App for a while now, and I must say, it’s been incredibly helpful in managing my tasks and schedules.
The clean interface and intuitive features make it a must-have for anyone looking to stay organized.

However, I can’t help but feel that the app is missing a crucial component: an expense tracker. With the current features in place, adding an expense tracking function would be the perfect addition to make Axio even more versatile. It would be fantastic to have a seamless way to keep track of my spending alongside my tasks and schedules.

I’m confident that the talented developers behind Axio can pull off this enhancement, just like they’ve done with the existing features. Adding an expense tracker would undoubtedly make this app an all-in-one solution for both productivity and financial management. I’m eagerly looking forward to seeing this addition in future updates.

Keep up the great work, Axio App team!

Dev00000002 ,

Worst app ever

You will struggle with their customer service if you find yourself in a bad situation instead of helping you out they will lie to you and not give info so that you are charged with late payment fees. Worst loan provider, no customer service and scam to keep charging you extra. I try to contact them before the due date and they will not give any response and after due date there cc talks rudely and don’t help you out and instead lie that the extra charges will be waived off due to our fault but they don’t. I am not going to pay the remaining amount if action is not taken. I am done talking to you guys and for someone who is looking to take loan from Axio WARNING!!! Don’t take it

Developer Response ,

Hello, we're extremely sorry for the experience that you've had with us. Please be assured that we've taken your complaint seriously and are addressing it on priority. Kindly share your details in the form so that someone from our team can reach out & resolve this- Regards, Team axio

App Privacy

The developer, axio Digital Pvt. Ltd., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contact Info
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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