Top EMI Mobile Loan Apps in India
1. ZestMoney
Offers no-cost EMI options without requiring a credit card or debit card.
Supports a wide range of smartphones, including Samsung, Xiaomi, Motorola, Oppo, Vivo, Realme, Honor, Lenovo, and Apple iPhones.
Zero down payment and flexible repayment tenures.
Entirely digital process with quick approvals. discover.zestmoney.in+1mintemi.in+1bajajfinserv.in+5bajajfinserv.in+5tvscredit.com+5lendingplate.com+2nobroker.in+2bajajfinserv.in+2
2. Home Credit
Provides instant loans for mobile phones without the need for a credit card.
Transparent terms with no hidden charges.
Easy repayment through their mobile app or other modes.
Minimal documentation required. homecredit.co.inpoonawallafincorp.com+4bajajfinserv.in+4lendingplate.com+4
3. TVS Credit
Offers mobile loans with minimal documentation and no additional charges.
Swift approval process that takes just 2 minutes.
Includes a Mobile Loan calculator to plan your repayment schedule.
Suitable for first-time borrowers with no credit history. lendingplate.com+5tvscredit.com+5cashe.co.in+5
4. Mint EMI
Provides zero down payment EMI options for various smartphone brands like Apple, Samsung, Mi, OnePlus, Oppo, Vivo, Honor, Moto, and Realme.
No interest rates and quick delivery within 72 hours across India.
Online shopping platform dedicated to mobile financing. fibe.in+2mintemi.in+2discover.zestmoney.in+2
5. CASHe
Offers mobile loans ranging from ₹45,000 to ₹3,00,000 with tenures of 9 to 18 months.
Digital KYC and quick disbursal process.
Suitable for salaried professionals with a minimum salary of ₹40,000. cashe.co.in+1investkraft.com+1investkraft.com+1nobroker.in+1
6. Freo (MoneyTap)
Provides a credit line of up to ₹5 Lakh with flexible EMI options.
First app-based credit line in India with over 1.1 million users.
Suitable for various needs, including mobile phone purchases. lendingplate.com+4freo.money+4moneymint.com+4
7. Navi
Offers personal loans for mobile purchases with EMI starting at 9.9% p.a.
Instant disbursal and easy application through the Navi app.
Entirely digital process with minimal documentation. navi.comnobroker.in
8. Upwards
Provides personal loans up to ₹2 lakh for mobile phone purchases.
Flexible repayment tenures ranging from 12 to 60 months.
Quick online application and instant access to funds upon approval. upwards.inbajajfinserv.in
🔍 Tips for Choosing the Right EMI App
Interest Rates: Compare the interest rates offered by different apps to ensure affordability.
Repayment Tenure: Choose a tenure that aligns with your financial capacity.
Eligibility Criteria: Ensure you meet the app’s eligibility requirements, such as minimum salary or credit score.
Documentation: Opt for apps that require minimal documentation for a hassle-free process.
Customer Support: Consider the quality of customer support for any future assistance.