Personal Loan from ZestMoney Apply 2024, Benefits, Eligibility

Personal Loan from ZestMoney Apply 2024, Benefits, Eligibility: Zest Money is an online loan application with the help of which shopping loan, instant credit line loan, personal loan etc. can be easily availed from the comfort of your home. If you are looking for a loan, then you are reading the right article, here we have told you about Loan from Zest Money, step by step process, let’s know how to get loan from Zest Money.

What is ZestMoney Loan App?

Zest Money is a FinTech company in India which was started in 2013. At present, Zest Money is very famous as its financial product.

By downloading Zest Money from Google Play Store, you can buy latest model smartphones, fashion, travel, education, health care etc. products of top class brands in easy monthly installments.

Here you can easily buy any product of your choice in EMI without any credit card and without any debit card at No Cost EMI on e-commerce websites like Flipkart and Amazon.

The payment for your purchased product is done using the Zest Money application and then later you can repay the loan taken from the ZestMoney App Wallet in easy monthly installments.

Why Zest Money for Loan?

Five reasons to take a loan from Zest Money If you come to know, then you cannot live without taking a loan from Zest Money. Let us know why you need to take a loan from Zest Money:

1. INTERST RATE : Loan can be availed at 0% interest rate using Zest Money loan application, apart from this there is no joining fee and hidden charges.

2. Credit Line Loan : Using the Zest Money app, an instant credit limit loan of up to ₹ 200000 can be taken, which can be used immediately in case of any sudden medical emergency or any need.

3. ONLINE AND OFFLINE STORE AVAILABLE : Zest Money App is partnered with more than 10,000 online stores in India from where you can easily buy any item in EMI.

Apart from this, if you buy goods offline, then there you get to see more than 75000 physical retailer stars from where you can buy any goods just by looking at Aadhar card, PAN card and a selfie.

4. Fast Approval Process:  Zest Money App gives facility of instant loan approval which can be applied for loan in just 3 steps. You do not need to submit documents anywhere to apply for the loan. The entire process is online. Apart from this, here you do not even need a credit card of any bank or finance company.

5. App Satisfied: At present, Zest Money application has more than 17 million registered users who are using this application regularly. This application has been released very well by the people on Google Play Store, which has got rating 4.4.

Zest Money Loan Eligibility

If you want to take a loan from Zest Money, then for this you have to follow the following eligibility criteria which are as follows: To take a loan from Zest Money, first you have to install ZestMoney App from Google Play Store. You must be an Indian citizen to register on the app. Your age should be between 18 years to 65 years. A mobile number will be required to verify your Zest Money account. You must have aadhar card and pan card. Apart from this, bank account number and IFSC code will be required to get the loan amount. Apart from this, if you are taking maximum loan then internet banking and debit card will also be required.

Zest Money Loan Documen Required

Aadhar card, PAN card and a bank account number along with a selfie will be required to take a loan from Zest Money.

1 Aadhar card
2 Pan cards
3 Bank Account Details
4 A selfie

Personal Loan from Zest Money Interest Rate

On taking a Zest Money personal loan, you have to pay an interest rate of 20 to 36% per annum on the loan approved amount. It can be more or less according to the Cibil score and credit history of the applicant.

If you deposit ZestMoney Loan on time, then your credit score starts increasing gradually and later you can take loan using Zest Money anytime at any time of need.

For how long can I take a personal loan from Zest Money?

Loan can be taken for 3, 6, 9, 12 months using Zest Money application which you can pay in easy installments every month K gets

But to take the loan for longer than this, you will also have to pay interest rate and processing fee.

How to Get Loan from Zest Money?

To take a loan from Zest Money, you have to first download the ZestMoney App and then click on Online Shopping Loan in the app and upload your Aadhar card, PAN card and a selfie.

After that fill all your information and submit the application form. After this Zest Money will offer you the loan.

If your CIBIL score is good then you will be given a good credit limit from Zest Money and if the credit score is low then you will get a little less credit limit.

apply for Zest Money Loan?

You can apply for Zest Money Loan by registering on the official website or ZestMoney App on Google Play Store. Here we have told you both the process, how to register on the official website and how to register using Zest Money app.

Apply Loan through official website

• First of all go to the official website of ZestMoney.

• After that create your account.
• Now verify by entering your mobile number and email id.
• After this, you will choose any one of the Credit Line Loan, pay later option.
• After this, after filling your Full Name, Date of Birth, Gender etc. other information, you will click on Continue.
• Now you have to enter your address details here.
• After this, you have to submit your employment status and other information like income proof etc.
• Now you will upload a photo of yourself.
• After this the credit limit will be offered according to your civil score.
• After this, you have to do your account Quick KYC where you have to verify with OTP by entering your Aadhar card number and PAN card number.
• After this, you have to submit your bank details like bank account number and IFSC code etc.
• After this money is transferred to ZestMoney Wallet, using which you can buy any goods on platforms like Amazon, Flipkart.

Note: If you will transfer the Zest money money to the bank account, then it may take some time for you to get the loan amount in the bank account.

Read Also: Personal Loan from PayTM

Apply Loan Throgh ZestMoney App

• To take loan from Zest Money App, first we have to install ZestMoney Loan Application from Google Play Store.
• After this, submit your mobile number and verify it by entering OTP.
• After that you have to enter your email id.
• After this you will be asked for some permission, then all permission scores have to be allowed.
• After that enter your name which is registered on PAN card.
• After this, verify your PAN card.
• After this, you have to select your personal information like your name, date of birth and gender.
• After this, fill your permanent address details, where you fill your city pin code, land mark etc. other information and click on continue.
• After this, you will go to the phone to upload a selfie in front of you, where you have to upload a photo of yourself.
• After this your CIBIL score will be checked and you will be offered a credit limit.
• After this you will come to the home page and there you have to click on Quick KYC where you will have to do eKYC from Aadhar card.
• After this you have to enter your account number and IFSC code.
• Now after some time the loan amount is transferred to your bank account.

Notice : If you want to take money in ZestMoney Wallet, then here you get instant money but it may take maximum 72 hours for you to get money in bank account.

How to Buy Goods on Flipkart with ZestMoney App?

Buying goods on Flipkart is very easy with ZestMoney app, here we have told you step by step process how you can use ZestMoney Violet to buy any item from Flipkart like Smartphone, Fashion, Travel, Education, Health care etc. Other products at zero percent. But you can buy at (0% interest rate), let’s know.

• First of all open ZestMoney app.
• After this, here you will get to see the option of flipkart app, click on it.
• After that click on Create Voucher.
• After this, enter the voucher amount for the price you want to take.
• Now click on Select EMI plan.
• After this choose any one plan according to you.
• Apart from this, if you buy goods later on EMI, then you do not have to pay any kind of processing fee.
• After this you will get a voucher. After this you have to create a Voucher Pin, you will need it when you use this voucher.
• Now we tell you how to shop on Flipkart using Zest Money.
• First of all, you will open the Flipkart app and choose any one product according to you.
• After this you will click on the gift card option on the payment option.
• Now you will enter the voucher number and PIN you have created from ZestMoney App and easily your payment will be successful.
• In this way you can easily shop on Flipkart.

Note: Here you get to see EMI plans of 3, 6 9 months. If you take a 3-month plan, then you do not have to pay any kind of extra charge here, you just have to pay the processing fee once.

How to buy goods on EMI offline with Zest Money?

To buy goods on EMI offline with Zest Money, visit any ZestMoney retailer nearest to you.

There by verifying your Aadhar card and PAN card, you can buy any electronic item like Smartphone, Freeze, AC, Cooler, Laptop, LED, TV etc. in other monthly installments.

To buy goods on monthly instalments, you need to link your bank account with Auto Nache.

Zest Money account not getting approved?

There are only two reasons why ZestMoney account is not approved, either your civil score is zero or your credit score is absolutely bad. Then your account is not approved.

Zest Money is based on AI based technology that allows loan amount approval only after checking personal loan records and CIBIL score for loan disbursement.

If you are new, then you may face some difficulty in getting the loan. If you get a good bank statement for the last 6 months, then you can avail an instant credit limit loan of ₹ 200000 using the Zest Money application.

How to do KYC for Zest Money Account?

It is very easy to do KYC of Zest Money account when you become eligible for a loan, in such a situation it becomes very important for you to do KYC of your account. You can follow the step by step process given below to do KYC of the account:

• To do KYC of Zest Money account, first of all open ZestMoney app.
• After that click on Quick KYC option.
• After that enter your Aadhar card number and login.
• After this select the eKYC option and then generate your 4 digit share code.
• After this, an OTP will be sent to your registered mobile number, enter the OTP of its digits and then click on submit.
• After this the KYC of your account becomes successful.

What are the benefits of taking a loan from Zest Money?

There are many benefits of taking a loan from Zest Money, which we have mentioned below, let us know.

• Firstly, it can be played on any EMI using ZestMoney application which currently has more than 10,000 online stores and more than 85000 offline stores in the market from where you can buy any item in monthly installments. Huh.

• Loan is available on minimum documents
• Get a loan without going to the banks
• Loan is available at zero interest rate
• Get loan without any recharge
• Loan approval is very fast
• Loan can be availed directly in the bank account
• Customer support is also available in case of any problem
• You can buy any item on e-commerce website
• Loan can be taken even if the civil score is low

Disadvantages of taking loan from Zest Money

• There are also some disadvantages of taking a loan from Zest Money that you should be aware of.
• Many times some people buy such products in a hurry to the offer, whose financial condition worsens in paying the monthly installment and later they have to pay the loan with a higher interest rate.
• Some people use the credit limit too much, due to which many types of charges may have to be paid later.
• Some people apply for loans unnecessarily, due to which their credit is further asked, if the loan is not approved, then their civil score also decreases slightly.

ZestMoney Customer Care Number

If you face any kind of problem while taking a loan from Zest Money, then here you get to see the customer support, on which you can do it at any time. The customer numbers on the official website of Zest Money are given to you as follows:

ZestMoney App customer care no	6269000097
Credit limit missed call number	9513650707
zest money email id	[email protected]

My Last Word:

Here I have given you information, how to take loan from Zest Money, Get Loan from ZestMoney etc. Other information has been given in detail. If you have taken loan using ZestMoney and you face any problem in taking loan then you can tell us in below comment box so that we can give better information to our user. Many are welcome because knowledge increases only by sharing.

I hope this information has been very helpful for you, if you want to ask us any kind of question or if you have any kind of doubt, then you can give your opinion in the comment box below and for more information you can share us on social You can follow on the media platform.

FAQ’s on Loan from ZestMoney