List of companies offering smartphone loans


06 Nov 2018

#FinancialBytes: 5 companies that provide loans to buy smartphones

The smartphone industry is evolving at a rapid pace and a number of new devices are being launched every week.

However, not all smartphones are budget-friendly, especially those with advanced technologies and latest features.

If you're looking to upgrade to your dream smartphone but worried about the cost, there are many companies offering loans for smartphones.

Here are 5 of them.


HomeCredit, one of the leading consumer durable loan providers

HomeCredit, one of the leading consumer durable loan providers

HomeCredit offers loans for mobiles at 0% interest and flexibility to choose the monthly repayment amount.

Customers can apply online through HomeCredit's website or mobile app for instant approval. They can also approach the company's representatives at its stores. They should have valid identity, address, and income proof documents.

Loans can be repaid through ECS/Direct Debit, online transfer, at kiosks, or by requesting cash pick-up.

Bajaj Finserv

Buy smartphones on easy EMIs with Bajaj Finserv

Bajaj Finserv is another financial services company that provides loans for buying smartphones.

Buyers need to apply for Bajaj EMI Card online or at its partner stores and get instant approval. The card can be used for online and offline purchases.

It offers No-cost EMI facility at 0% interest. The loan can be repaid over a convenient tenure of up to 24 months.

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KrazyBee, online loan provider for college students

KrazyBee, online loan provider for college students

KrazyBee is a digital platform offering loans to students (of listed colleges) for online purchases.

It also provides loans for purchasing smartphones. Students only need to register on KrazyBee website and upload KYC documents after which their profile is verified.

They can also place an order on KrazyBee's platform or other partner e-commerce sites and select a convenient EMI tenure for repayment.


ZestMoney, avail digital EMIs without credit cards

ZestMoney is another digital platform that offers consumer durable loans without the need for a credit card or credit score.

Customers only need to register online, fill their profile, and upload KYC documents to activate their credit limit.

ZestMoney works across popular e-commerce platforms like Flipkart, Amazon,, Zefo, Sangeetha Mobiles, etc.

Loans are digitally processed, and EMIs are collected automatically from customer's bank-account.


Get instant, affordable, and hassle-free loans from Kissht

Get instant, affordable, and hassle-free loans from Kissht

One can buy smartphones by availing instant loans from Kissht. Kissht EMI Card works across over 50 online e-commerce websites, including Amazon and Flipkart, and 3,000 offline stores across India.

Anyone with a monthly income of over Rs. 12,000 is eligible. They need to submit copies of Aadhaar card, PAN card, and a post-dated check.

EMIs are collected from the customer's bank account automatically.

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