No Cost EMI

No Cost EMI Apps - Buy online using debit card emi

No Cost EMI Apps. Say goodbye to the limitations of traditional credit cards and hello to a seamless shopping experience. With these innovative apps, you can now shop on EMI without need for a credit card, opening up a world of possibilities for budget-conscious consumers. Offering the best deals and flexible payment options, these apps empower users to spread their payments over time without the hassle of interest charges or credit checks. Say hello to effortless shopping and financial freedom with No Cost EMI Apps.

In India, several apps offer Debit Card emi options, which allow users to make purchases and pay for them in easy installments without need for a credit card.

Here are a few popular apps which allow one to avail EMI without any credit card :

It's important to keep in mind that these apps may have different terms, interest rates and fees, so it's important to read through the fine print and understand the costs before signing up.

Bajaj Finserv :

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Bajaj Finserv:
Bajaj Finserv

We can provide a useful overview of what features and benefits one might typically expect from a No Cost EMI app provided by Bajaj Finserv:

  • Instant EMI Approval: The app likely offers instant approval for EMI (Equated Monthly Installment) options without need for a credit or debit card.
  • Wide Acceptance: Users can expect wide acceptance across a network of partner stores and online platforms for making purchases through the app.
  • Flexible Repayment Options: Bajaj Finserv may provide flexible repayment options, allowing users to choose EMI tenure and repayment schedules according to their convenience.
  • Zero or Low Down Payment: Some purchases might be eligible for zero or minimal down payment, making it easier for users to afford high-value items.
  • Secure Transactions: The app should ensure secure transactions through encryption and other security measures to protect users' financial information.
  • Transaction Tracking: Users can track their transactions, outstanding amounts, and repayment schedules within the app for better financial management.
  • Customer Support: Bajaj Finserv typically offers customer support through various channels, including phone, email, and chat, to assist users with any queries or issues they may encounter.
  • Exclusive Offers and Deals: Users may also receive exclusive offers, discounts, and deals on purchases made through the app, enhancing the overall shopping experience.
  • Credit Score Monitoring: Some apps offer features to monitor users' credit scores and provide insights on improving their financial health.
  • EMI Calculator: A built-in EMI calculator is included in the app to help users estimate their monthly installments based on the purchase amount and chosen tenure.

It's essential to check the most recent information and updates from Bajaj Finserv directly or through their official website or app store listings to get the most accurate and up-to-date information about their No Cost EMI app and its features.

Zest Money:

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Zest Mone
Zest Mone

Zest money is a wonderful app to buy products on EMI - Laptops, Mobiles, Refrigeration, TV, Home Appliances etc. It provides you a credit line of up to 2 lakhs which can be used on more than 10,000 online stores and 75,000 physical stores.

It gives credit to the users in simple 3 steps without any paperwork and credit card. Users can avail products at 0%* interest (Only for Pay in 3), no joining fees or hidden charges.

Services Offered:

  • No-cost EMI: ZestMoney partners with various e-commerce platforms and retailers to offer customers the option to convert their purchases into no-cost EMIs, enabling them to pay for products and services in installments without incurring interest charges.
  • Digital Lending: ZestMoney provides digital lending services, allowing consumers to access instant loans for various purposes, including shopping, travel, education, and healthcare.
  • Credit Assessment: ZestMoney employs proprietary algorithms and technology to assess creditworthiness of customers, enabling them to offer loans and EMI options to individuals who may not have traditional credit histories.
  • Partnerships: ZestMoney collaborates with a wide range of merchants across different sectors, including e-commerce, travel, electronics, fashion, and more, to offer its services to customers at the point of sale.
  • Online Platform: Customers can access ZestMoney's services through its website and mobile app, where they can apply for loans, check eligibility, manage repayments, and explore partner offers.


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Simpl App

We can provide you with some useful information about what features and services a typical No Cost EMI (Equated Monthly Installment) app might offer:

  • Instant Loans: Users can apply for instant loans directly through the app without the need for a credit card. These loans are usually provided by partner financial institutions or lenders.
  • EMI Options: The app may offer various EMI options with different tenures and interest rates for users to choose from, based on their preferences and financial capabilities. This EMI is offered by Simpl as a feature "Pay in 3"... It is not an emi through debit card or credit card.
  • No Documentation: Since it's a No Cost EMI app, users may not be required to submit extensive documentation like income proof or address proof. The application process might be streamlined with minimal documentation requirements.
  • Transaction Tracking: Users can track their EMI transactions, view upcoming payments, and check their repayment schedule within the app.
  • EMI Calculator: A built-in EMI calculator helps users to calculate their monthly installments based on the loan amount, tenure, and interest rate.
  • Secure Transactions: The app should ensure the security of users' financial information and transactions through encryption and other security measures.
  • Customer Support: Access to customer support for any queries or assistance regarding loan applications, repayments, or other issues.
  • Notifications: Users receive timely notifications regarding upcoming EMI payments, loan approvals, and other important updates related to their transactions.
  • Flexible Repayment Options: Some apps may offer flexibility in repayment options, allowing users to prepay their EMIs or adjust their repayment schedule as per their convenience.
  • Rewards and Offers: Users might be eligible for various rewards, cashback offers, or discounts on transactions made through the app or timely repayments.


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Buy Now Pay Later (BNPL) - Lazypay
Buy Now Pay Later (BNPL) - Lazypay

LazyPay is a popular digital credit platform in India that offers a seamless and convenient way for users to make purchases and repayments through its "Buy Now, Pay Later" service. Here's some information about LazyPay and its features:

  • Overview: LazyPay is an innovative fintech solution that provides instant credit to users for various online and offline purchases, allowing them to pay later in easy EMIs (Equated Monthly Installments).
  • EMI Card-less Transactions: LazyPay eliminates the need for traditional EMI cards by offering a card-less transaction experience. Users can avail credit directly through the LazyPay app or integrated payment gateways at partner merchants.
  • Buy Now, Pay Later: LazyPay enables users to make purchases across a wide range of online and offline merchants and pay for them later in flexible EMIs. This feature enhances affordability and convenience for users, especially for high-value transactions.
  • Instant Approval: LazyPay offers instant credit approval to eligible users based on their creditworthiness, transaction history, and other factors. Users can quickly avail credit without the hassle of lengthy approval processes.
  • Seamless Integration: LazyPay seamlessly integrates with various e-commerce platforms, travel booking websites, food delivery apps, and other online services, providing users with a smooth checkout experience.
  • Customized Credit Limits: LazyPay tailors credit limits for users based on their financial profiles and repayment behavior. Users can access higher credit limits over time as they build trust with the platform.
  • Repayment Flexibility: LazyPay offers flexible repayment options, allowing users to choose suitable EMI tenures based on their preferences and financial capabilities. Users can manage repayments conveniently through the LazyPay app.
  • Safety and Security: LazyPay prioritizes the security of user data and transactions, employing robust encryption and authentication measures to safeguard sensitive information.
  • Rewards and Offers: LazyPay frequently rolls out attractive rewards, cashback offers, and discounts for users, enhancing the value proposition of its services.
  • Customer Support: LazyPay provides dedicated customer support to assist users with queries, grievances, and repayment-related issues, ensuring a satisfactory experience for all users.

Overall, LazyPay's EMI card-less app simplifies the credit process for users, offering a convenient and flexible payment solution for their diverse needs.


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CashE: Cardless EMI App

In today's fast-paced world, access to financial services is paramount for individuals to navigate through life's uncertainties and pursue their aspirations. However, traditional banking systems often pose barriers, especially for those lacking substantial credit history or facing liquidity constraints. Recognizing this gap, CashE emerges as a transformative solution, offering a convenient platform for accessing instant cash and managing expenses through flexible Equated Monthly Installments (EMIs).

CashE stands at the forefront of financial inclusion, leveraging cutting-edge technology to redefine the borrowing experience. With a user-friendly interface accessible via smartphones, CashE ensures that financial services are just a few taps away, empowering users to seize opportunities and address financial emergencies promptly.

One of the hallmark features of CashE is its seamless application process, designed to minimize hassle and streamline access to credit. By leveraging advanced algorithms and alternative data analytics, CashE assesses borrowers' creditworthiness swiftly, enabling quick approval decisions. Unlike traditional lenders burdened by rigid eligibility criteria, CashE embraces inclusivity, extending its services to individuals from diverse socioeconomic backgrounds.
Moreover, CashE reimagines the concept of borrowing with its innovative EMI model, which offers unparalleled flexibility to users. Recognizing the varying cash flows and financial priorities of individuals, CashE allows borrowers to customize their repayment schedules according to their convenience. Whether it's a short-term expense or a larger investment, CashE empowers users to structure their EMIs in a manner that aligns with their financial capabilities and goals.

EmiBaba :

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Emi Baba is a financial technology (fintech) company that offers an innovative app-based solution for managing EMI (Equated Monthly Installment) payments without the need for a physical EMI card. Here are some key features and information about the Emi Baba app:

  • EMI Management: The Emi Baba app allows users to manage their EMI payments seamlessly. Users can view their upcoming EMI schedules, track payment history, and receive notifications for due payments.
  • No Physical EMI Card Required: Unlike traditional EMI cards issued by banks or financial institutions, Emi Baba eliminates the need for a physical card. All transactions and EMI management are done through the app, offering users convenience and flexibility.
  • Flexible Payment Options: Emi Baba provides users with various payment options to make their EMI payments hassle-free. Users can link their bank accounts, debit cards, or digital wallets to the app for easy payment processing.
  • Loan and EMI Calculators: The app features loan and EMI calculators to help users plan their finances effectively. Users can input loan amounts, interest rates, and tenures to calculate their monthly EMI payments accurately.
  • Secure Transactions: Emi Baba prioritizes the security of user transactions and personal information. The app employs robust encryption protocols and security measures to safeguard sensitive data.
  • Customer Support: Emi Baba offers dedicated customer support to assist users with any queries or issues they may encounter while using the app. Users can reach out to customer support via chat, email, or phone for prompt assistance.
  • Reward Programs: The app may offer reward programs or cashback incentives to users who make timely EMI payments or use specific payment methods. These rewards can encourage responsible financial behavior and loyalty among users.
  • Credit Score Monitoring: Some versions of the app may also include features for monitoring users' credit scores. By providing insights into creditworthiness and financial health, this feature can help users make informed borrowing decisions.
  • User-Friendly Interface: Emi Baba app boasts a user-friendly interface designed to provide a seamless experience for users of all levels of technical proficiency. The app's intuitive design makes it easy to navigate and access various features.
  • Availability: The Emi Baba app is available for download on both Android and iOS platforms, making it accessible to a wide range of users.

Overall, Emi Baba's EMI card-less app offers a convenient and efficient solution for managing EMI payments, empowering users to take control of their finances with ease.

Amazon Pay Later:


Amazon Pay Later
Amazon Pay Later

Amazon Pay Later is a payment method offered by Amazon that allows users to make purchases on and pay later at their convenience. It provides a digital credit solution to customers for their online shopping needs.

Here's some Useful information about Amazon Pay Later:

  • No Cost EMI: Amazon Pay Later often provides a 'no-cost EMI' option, which means users can pay for their purchases in equal installments without incurring any additional interest charges. Amazon debit card EMI option works with any existing debit card as you can pay for it later. It is offered as an EMI through Debit Card.
  • Convenience: It offers users the convenience of making purchases immediately and settling the payment at a later date, typically within a specified time frame.
  • Instant Checkout: Users can enjoy a seamless checkout experience by using Amazon Pay Later as a payment option during the checkout process on
  • Credit Limit: Amazon Pay Later assigns users a credit limit based on their creditworthiness, which determines the maximum amount they can spend using this payment method.
  • Flexible Repayment: Users have the flexibility to repay the amount either in full or in EMIs, depending on their preference and financial situation.
  • App Integration: Amazon Pay Later is integrated into the Amazon mobile app and website, allowing users to manage their payments and transactions conveniently from their smartphones or computers.
  • Eligibility Criteria: To avail of Amazon Pay Later, users must meet certain eligibility criteria, including age, credit score, and other factors.
  • Digital KYC: Users are required to complete a digital Know Your Customer (KYC) process to activate their Amazon Pay Later account, which may involve providing identification documents and other relevant information.
  • Customer Support: Amazon provides customer support services to assist users with any queries or issues related to Amazon Pay Later, including repayment assistance and account management.


What is No Cost EMI meaning ?

  • No Cost EMI lets buyers pay for items in equal installments without interest. The seller absorbs the interest cost, allowing consumers to spread out payments without extra expenses, though additional fees may apply.

Can I buy EMI without credit card?

  • Yes, you can buy on EMI without a credit card through various alternative financing options, such as Buy Now, Pay Later (BNPL) schemes or EMI options provided directly by banks or financial institutions using debit cards or net banking.

How can I get No Cost EMI?

  • You can get No Cost EMI by applying through participating retailers or online platforms that offer EMI options via tie-ups with banks or fintech companies providing BNPL services.

Which shopping app gives EMI on debit card?

  • Several shopping apps like Amazon, Flipkart, and Snapdeal offer EMI on debit cards in partnership with major banks such as HDFC, ICICI, and SBI, allowing customers to make purchases and pay in installments.

Can I buy EMI without credit card in Flipkart ?

  • Yes, on Flipkart, you can buy on EMI without a credit card by using the Debit Card EMI option available with select banks or through the Flipkart Pay Later option, subject to eligibility and terms.

How to buy mobile on EMI without a credit card on Flipkart?

  • To buy a mobile on EMI without a credit card on Flipkart, select the mobile you wish to purchase, proceed to checkout, and choose the "Debit Card EMI" option or "Flipkart Pay Later" if available, subject to your eligibility and bank participation.

Is Snapmint RBI approved?

  • Snapmint is entirely secure, holding a license as an NBFC from the Reserve Bank of India (RBI).

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