Pay with ZestMoney EMI

0% interest on 3-months EMI plan

Its super simple to pay in EMI using ZestMoney. Just fill the order form, complete our EMI process and get voucher to pay on Urban Ladder.

Get your voucher

Urban Ladder

Category:

How to use ZestMoney EMI on Urban Ladder?

If you've an approved credit limit

you can instantly use it to get a Urban Ladder voucher and pay in EMI.

Apply for a credit limit if you don’t have it.

Otherwise just follow these steps.

Apply for a Urban Ladder voucher

using your Aadhaar, PAN & other personal details
R

Verify your ZestMoney account

using netbanking, PDF bank statements, KYC or uploading ID proof

Get your Urban Ladder voucher

after setting up auto repay by uploading a signed NACH or eNACH

Don’t take our word for it, our customers love us…

I am very happy to receive the loan. Thanks. I have tried for last two years to get EMI Option, so I can purchase a lens because I can't afford to pay a big amount at once. Thanks, ZestMoney.

Jagdish Rathva

It’s really so nice I got the credit loan 33,000 within 72 Hours Fast response not required any paper documents. Thank you ZestMoney support team.

Sriram CH

It is really an awesome experience with ZestMoney. I never expected that I will get EMI option within four hours.

Subhash Kumar

ZestMoney is very good, there is no problem for people to help. It's a great and very good way to get a loan. Thank you

Manish Nagar

I visited ZestMoney site to purchase my mobile phone at Rs.45000 on EMI. I experienced was super fast service and minimum document process. I was sanctioned my loan in form of gift vouchers creditable to Amazon directly. The entire process was completed within 48 hours. I am very impressed with ZestMoney's hassle-free process. I recommend to anybody without any hesitation.

Patcha Subrahmanyam

It has been for a long time I am using the ZestMoney. This is very useful for common people like me. Fast and good service.

Vinodh A

The best of the best ZestMoney. My loan was immediately approved and I mean approved means actually approved. I got 15000 in my MI account and from which I have purchased MI phone and gifted to my Mother. She is so happy and me too. ZestMoney actually gives credit. I placed an order and got my phone in 2 days. After so many fake credit providers ZestMoney provided actual credit. This is not at all paid review or fake review. This is an original review with all honesty. Apart from a phone, I have ordered MI band, Weighing Machine, Bluetooth Speakers and for all this, I will repay in 12 months. Hasslefree happy life. Thanks for trusting me ZestMoney. Please make more partners so after 1year I can purchase something else from my wishlist.

Radhika Chatterjee

I am very happy to receive the loan. Thanks. I have tried for last two years to get EMI Option, so I can purchase a lens because I can't afford to pay a big amount at once. Thanks, ZestMoney.

Jagdish Rathva

It’s really so nice I got the credit loan 33,000 within 72 Hours Fast response not required any paper documents. Thank you ZestMoney support team.

Sriram CH

It is really an awesome experience with ZestMoney. I never expected that I will get EMI option within four hours.

Subhash Kumar

ZestMoney is very good, there is no problem for people to help. It's a great and very good way to get a loan. Thank you

Manish Nagar

I visited ZestMoney site to purchase my mobile phone at Rs.45000 on EMI. I experienced was super fast service and minimum document process. I was sanctioned my loan in form of gift vouchers creditable to Amazon directly. The entire process was completed within 48 hours. I am very impressed with ZestMoney's hassle-free process. I recommend to anybody without any hesitation.

Patcha Subrahmanyam

It has been for a long time I am using the ZestMoney. This is very useful for common people like me. Fast and good service.

Vinodh A

The best of the best ZestMoney. My loan was immediately approved and I mean approved means actually approved. I got 15000 in my MI account and from which I have purchased MI phone and gifted to my Mother. She is so happy and me too. ZestMoney actually gives credit. I placed an order and got my phone in 2 days. After so many fake credit providers ZestMoney provided actual credit. This is not at all paid review or fake review. This is an original review with all honesty. Apart from a phone, I have ordered MI band, Weighing Machine, Bluetooth Speakers and for all this, I will repay in 12 months. Hasslefree happy life. Thanks for trusting me ZestMoney. Please make more partners so after 1year I can purchase something else from my wishlist.

Radhika Chatterjee

Frequently asked questions

ZestMoney EMI process

How does the process work?

Tell us the product you want to buy on Urban Ladder. Complete your loan application and we provide you with a voucher code which you can use on Urban Ladder for shopping. The voucher amount can be paid back to us in EMI’s later.

What documents will be required to complete the loan process?
Mandatory information required to apply for ZestMoney EMI

  • Aadhaar number
  • PAN
  • Employment information which includes monthly income & expenses
  • Signed NACH (scan or a high quality photo)

No other documents required if you

  • do eKYC using Aadhaar and
  • verify income using secure Netbanking login

Can’t do eKYC using Aadhaar?
You can upload ID and address proof like Aadhaar card, Passport, Driving License, etc.

Can’t verify income using Netbanking?
You can upload last 3 months bank statement including the current month. We do not accept images or scanned copy of passbooks.

How much time will this process take?

Once we receive all the required documents, your ZestMoney EMI application will be reviewed within 24 working hours and the status will be shared with you. You will get your Urban Ladder voucher code via mail within few hours of approval.

About the Urban Ladder voucher

How to redeem my voucher code?

You can use it to pay during checkout on Urban Ladder app or website

  • You use the voucher code to pay for part of the order amount on Urban Ladder
  • You can use the entire amount in the voucher for one or multiple transactions on Urban Ladder

An example,
You order amount on Urban Ladder is Rs. 15999, you can use a voucher code of amount Rs. 18000 to make the payment on Urban Ladder. The remaining Rs. 2001 can be used for your next order.

What if I want to buy a different product after I have received my voucher code?

You can use your voucher to buy any product available on Urban Ladder.

What if my purchase amount exceeds the amount I have received voucher code for?

If the price of the product is higher, you can pay the difference using any other payment method on Urban Ladder.

Repayments and cancellations

How can I repay the EMI amount?
Repayment of the EMI amount will happen via NACH. The due date for the first EMI will be 30 days from the date of approval. The EMIs will start from the day of voucher creation whether you use it to buy anything immediately or not.
When will the EMIs start?
Your EMIs will start 30 days after you receive your voucher code.
Can I cancel my loan once I have been approved?

Your EMIs cannot be cancelled once your loan has been approved & you have viewed the voucher. Your voucher has a validity of 1 year and can be used to pay for anything at Urban Ladder within that period.

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ZestMoney offers the above basis its association with third parties, conditions apply.
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