Small Business
Designed for startups and growing businesses
Brand: Camden Town Technologies
ZestMoney Financial Management Software empowers users with intuitive budgeting tools, expense tracking, and smart savings suggestions, facilitating efficient and informed financial decision-making.
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Brand: Camden Town Technologies
Founded Year: 2015
ZestMoney is a fintech company that uses digital EMI without the need for a credit card or a credit score.
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Small Business
Designed for startups and growing businesses
Medium Business
Built for business growth and flexibility
Enterprises
Designed for complex and large-scale business needs
4.3
Out of 5
Overall Rating
Based on
11 Verified Reviews
Rating Breakdown
88% Recommend this Product
Add ReviewCustomers generally appreciate ZestMoney for its quick funding and the convenience of accessing EMIs without needing a credit card. Many users find it beneficial for managing purchases, especially during cash shortages. However, there are significant concerns regarding hidden charges, misreporting on credit scores, and unresponsive customer support, which have led to frustrations and a sense of insecurity about the platform's reliability. Despite these issues, users still recommend it for its initial ease of use and accessibility.
Pros
"Beneficial when cash was short helped gradually pay for purchases."
"It offered access to zero-interest BNPL even for users with moderate credit histories."
"The model helps those without credit cards access EMIs, useful for small consumer purchases."
Cons
"They charged processing (tech) fees and didn’t offer true “no-cost”—I ended up paying more than expected."
"ZestMoney failed to update CIBIL reports accurately for months, despite complete payments."
"Even after early preclosure, the platform still reported outstanding EMIs, harming my credit score."
Apr 30, 2025
Techjockey Verified
“Quick Funding, But Company’s Future Is Worrying”
I used it confidently until news of its shutdown surfaced. Now, continuing reliance feels precarious.
Pros
Approval was fast, and it enabled shopping across 75k+ stores.
Cons
Reports surfaced that ZestMoney is shutting operations—a risky sign for ongoing users.
Reason to switch
I went with ZestMoney over Bajaj because Bajaj required a credit card, while ZestMoney let me use EMIs without one.
Sep 3, 2025
Techjockey Verified
“EMI Access, But Disappearing Value”
It filled a temporary credit gap. Later, I realized actual costs were higher due to hidden surcharges.
Pros
Beneficial when cash was short helped gradually pay for purchases.
Cons
They charged processing (tech) fees and didn’t offer true “no-cost”—I ended up paying more than expected.
Reason to switch
I switched from Avanzai to ZestMoney because KreditBee felt more like a personal loan app, while ZestMoney gave me direct checkout options on shopping sites.
Aug 20, 2025
Techjockey Verified
“BNPL Convenience, But Falling Behind”
The BNPL service was convenient—but I found myself stuck in credit limbo, which made me anxious.
Pros
It offered access to zero-interest BNPL even for users with moderate credit histories.
Cons
ZestMoney failed to update CIBIL reports accurately for months, despite complete payments.
Reason to switch
I moved from nCino to ZestMoney because ZestMoney let me split payments into longer EMIs instead of just delaying by a month.
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ZestMoney is compatible with Windows, Linux, and macOS operating systems.
ZestMoney app is available for Android and iOS devices.
ZestMoney system supports web-based deployment.
For ZestMoney price in India, please request a call back for subscription-related details and to avail offers on premium packages.
Online shoppers and E-Commerce platforms use the ZestMoney financial management system.
ZestMoney demo is available for free with techjockey.com.
ZestMoney does not offer a free trial. Please request a call back for subscription-related details and to avail offers on premium packages.
You can download the ZestMoney app from the Apple Store or Google Play Store.
With ZestMoney, you can manage your finances and avail of loans or buy-now-pay-later through various financial offers. You can convert your purchases into accessible repayment offers by selecting suitable EMI options like Cost EMI, monthly tenures, etc. The software offers seamless integration with partner merchants, enabling them to incorporate buy-now-pay-later service.
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Terms and Condtions
Users with registered businesses can purchase goods from merchants on the platform to satisfy their business needs. Users are not permitted to utilize any products acquired through the platform for resale, advertising, business, or further distribution.
For each purchase made, users will receive a Tax Invoice (or 'GST invoice') that includes specific details such as:
the GSTIN of the user associated with their registered business, and
the specified Entity Name for their business.
It should be noted that not all products are eligible for GST Invoice. Only the products displayed by participating sellers with the 'GST-based Invoice Available' callout on the product description page would qualify.
Certain goods and services are not eligible to get a GST Invoice, including items with VAS, i.e., Value Added Services (e.g., Total Mobile Protection/Assured Buyback) and those involving an exchange offer at the time of purchase.
Users must ensure the accuracy of the GSTIN, and business entity name provided for the GST Invoice. Requests for corrections into GST Invoice would not be accommodated by Techjockey.com or any Seller, and any issues arising from user-provided information are the sole responsibility of users.
Techjockey.com is not liable for the GST Invoice or any associated input tax credit. To efficiently claim an input tax credit, users should select the registered place of business address as per the GST authority's data and follow the provisions of the GST Act and rules.
To claim an input tax credit, the delivery and billing addresses must match. Furthermore, input tax credits will not be granted if the delivery address and GSTIN on the invoice are from different states. In case of incorrect GST details provided during the order placement, the order will be canceled automatically.