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ZestMoney

ZestMoney is an Indian consumer lending fintech platform offering cardless EMI and pay-in-parts credit facilities for online and offline shopping.

Last updated September 15, 2026

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Overview

ZestMoney is a consumer lending fintech company in India that provides a credit facility allowing customers to split payments into 3, 6, 9, or 12 parts. Its platform uses mobile technology, digital banking, and artificial intelligence, and connects customers with its lending partner DMI. According to its website, ZestMoney is accepted at 100,000 offline and 15,000 online stores, and reports 17+ million registered users.

History

ZestMoney operates as a consumer lending fintech company in India. Its platform uses mobile technology, digital banking, and artificial intelligence to provide flexible financing options, and it connects customers with its lending partner DMI. The company was selected as a 2020 Technology Pioneer by the World Economic Forum. Its website states it has 17+ million registered users and is accepted at 100,000 offline and 15,000 online stores.

Products and positioning

ZestMoney positions itself as making credit more accessible for India through technology-led solutions, targeting consumers without easy access to credit cards.

  • Cardless EMI

    Allows customers to pay in 3, 6, 9, or 12 parts without a credit card.

Recent events

  • Samsung announces Galaxy A32 purchase offers[4]

    Reported:

    Samsung announced consumer offers in India for the Galaxy A32, including a Rs 3,000 exchange bonus and cashback of up to Rs 2,000 with eligible HDFC Bank transactions, or Rs 1,500 with ZestMoney transactions.

  • HappyEasyGo launches Holi travel discounts[5]

    Reported:

    HappyEasyGo launched Holi travel discounts on flight and hotel bookings, with offers involving Amazon Pay, MobiKwik, Bank of Baroda credit cards, ZestMoney and Ola Money. The offers were available through March 31, 2021.

  • Pickyourtrail partners with ZestMoney to offer EMI options[6]

    Reported:

    Pickyourtrail announced that it had partnered with ZestMoney to provide flexible payment options for itinerary bookings, including no-cost EMIs and a travel-now-pay-later option in three installments.

  • ZestMoney secures $15 million in Series B funding[7]

    Reported:

    ZestMoney announced that it secured $15 million through a Series B investment round led by Goldman Sachs, with participation from Naspers Fintech, Quona Capital and Omidyar Network.

  • Unconfirmed

    ZestMoney partners with Northern Arc Capital[8]

    Reported:

    ZestMoney has tied up with Northern Arc Capital, which plans to fund various ZestMoney products in phases. The partnership aims to address growing demand for EMI financing in India.

  • ZestMoney and Xiaomi India partner on small-ticket loans[9]

    Reported:

    ZestMoney announced a partnership with Xiaomi India for MiCredit, a service that lets customers obtain instant loans starting at INR 7,000. The article describes the service as connecting loan seekers with providers such as ZestMoney.

  • Fox Capital partners with ZestMoney[10]

    Reported:

    Fox Capital partnered with ZestMoney to expand credit access for underserved people in India. The partnership includes a committed deployment of 300 crores through the platform.

Sources10 sources

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