ZestMoney 4+

Buy Now Pay Later

Zest Money

    • Free



ZestMoney. Dream big, pay small.

A better life is for everyone. And Zest helps make it accessible for millions to upgrade, to enhance, to rise, while keeping it affordable.
Buying with Zest gives you the freedom to shop right now and repay in parts up to 36 months. You get to pick what works best for you. With a quick 3-step approval process Zest is accepted at over 10,000 online & 75,000 offline stores.

Why should you use ZestMoney?
● Best Pay Later App with affordable EMI tenures
● Shop on EMI with 10000+ stores
● Fully digital process with no paperwork
● Instant loan approval and disbursal
● No credit card or CIBIL score required

Important terms and conditions regarding personal loans offered on the ZestMoney App

ZestMoney facilitates personal loans through its lending partners to select customers based on different factors like good repayment behaviour etc. The loan repayment period can vary from 3 months to 36 months. The maximum cost (interest & processing fee) can go up to 36% APR (Annual Percentage Rate) based on an individual’s credit profile, although most of our customers incur much lower cost. As an example, if you take a personal loan of Rs.20,000 for a tenure of 12 months at 20% interest rate, you will have to pay a processing fee of Rs.708 (3% of loan amount & GST) and your EMI will be Rs.1853. The total interest charged will be Rs.2232 (which is already included in your earlier mentioned EMI amount). Hence, you will be paying a total of Rs.22,940. EMI repayments can be made directly to ZestMoney via payment modes such as UPI, Debit card or net banking.

What’s New

Version 1.0.7

We've tweaked some details to make the app better for you. Update your app now and give it a spin. Happy shopping!


Have a better experience every time you shop with Zest. Turn on automatic updates to get every good thing instantly.

Ratings and Reviews

4.2 out of 5
128 Ratings

128 Ratings

Deep7543 ,

Useful App

Nice interface. Got credit limit of 90k within minutes. I can access all EMI related info on the app. It is generally available on many merchants. I bought iPhone with ZestMoney credit limit and the experience was awesome. It also helped me to afford trips and flight tickets.

Aswinbabloo ,

I’m using more than 2yrs Zest money is excellent

Now my account is frozen I’m paying without missing EMI PAYMENT
I’m try to call customer service but no one is call back and make soon possible to use

kazeson ,

Fraud Application

Despite making prepayments almost every time, they have frozen my credit limit. Few other features:
1. Their customer service doesn’t exist so there’s no way a resolution could be provided by them.
2. They falsely initiate the auto debit aside from the due date.
3. Absolutely horrible user experience, especially all they say is limit blocked due to the “internal criteria”.
4. This is fraud and misrepresentation purely on the face of it.

App Privacy

The developer, Zest Money, 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 Not Linked to You

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

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

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

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