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ZestMoney

Brand: Camden Town Technologies

  • 4.3

  • 17 Ratings & 11 Reviews

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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ZestMoney Software Overview

What is ZestMoney Software?

ZestMoney is an application that uses digital banking, mobile technology, and artificial intelligence to provide easy loans through a buy-now-pay-latter policy. Its main objective is to provide customers with a financial service option to access easy loans without credit cards or transactional histories. Using its AI-based machine learning decision engine, it creates a risk profile for every customer. Based on the risk profile, the decision engine of the platform analyzes the credibility and lends money.

The financial management software is available as a web-based application accessible through a browser and a mobile-based app compatible with both Android and iOS. It allows customers to fill in basic details, apply for loans, make payments, select repayment options, pay installments, check loan details, and manage profiles.

ZestMoney partners with various e-commerce platforms, online retailers, and physical stores to offer its buy-now-pay-latter services. Some of the products offered by this platform include credit limits and personal loans. To use this platform, the user needs to sign up. Once the customer approves, a credit limit is assigned based on eligibility.

Why Choose ZestMoney?

  • One-stop solution: This platform has proven to be a one-stop solution for managing an individual's finances, getting instant financial help, and enjoying hassle-free shopping.
  • EMI at 0% interest: It does not charge joining or pre-closure fees. There are also no hidden charges.
  • Paperless Approval: Offers quick paperless approvals, which makes the process of taking a loan easy and hassle-free.
  • Wider Acceptance: It is accepted in over 10,000 online stores and approximately 75,000 physical stores. It has partnerships with various e-commerce and online retail platforms.
  • Collateral Free: This platform provides an entirely collateral-free EMI feature for people who want to take a loan and do not have any collateral to keep.
  • Automated payments: The automated payment system offered by this platform for individuals or businesses to directly pay their bills is easy. A non-tech-savvy person can do it.

Benefits of ZestMoney Financial Management Software

  • Avail Loan without credit card: For someone looking to take a loan without any credit history or credit card, this platform is the one-stop solution for the problems.
  • Speedy approval: Using this platform, an individual can get their loan approved quickly because of its AI-based decision-making algorithm, which instantly checks and assesses risk profile and decides an individual's eligibility.
  • Easy account opening: This platform provides one of the easiest and hassle-free account opening options for potential borrowers.
  • Flexible EMIs: Using this platform, an individual can take a loan at flexible EMI options like no-cost EMI, flexible monthly payments, etc.
  • Repay any time: This platform offers easy repayment options. Individuals can pay all or some of their great money without penalty.
  • Easy-to-use interface: The application comes in web and mobile app forms and is easy to use.

ZestMoney Pricing

ZestMoney pricing is available on request at techjockey.com.

The overall pricing model is based on different factors such as personalization, extra features required, total users, and the deployment type. Please feel free to request a call from our product experts if you want to learn more about our subscription plans or premium package deals.

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Camden Town Technologies Company Details

Founded Year:  2015

ZestMoney is a fintech company that uses digital EMI without the need for a credit card or a credit score.

Director/Founders Ashish Anantharaman, Lizzie Chapman, Priya Sharma
Company Size 101-500 Employees

ZestMoney Pricing & Plans

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ZestMoney Features

  • icon_check Financial Management
    Manage your finances and avail loans or buy-now-pay-later through availing various financial offers.
  • icon_check EMI options
    Convert your purchases into accessible repayment offers by selecting suitable EMI options like Cost EMI, monthly tenures, etc.
  • icon_check Mobile App
    User-friendly mobile app with features for account management, applying for loans, tracking payments, repayment, etc.
  • icon_check Support
    Get interactive customer support to resolve any complaints and queries.
  • icon_check Integration
    Seamless integration with partner merchants enables them to incorporate buy-now-pay-later service.
  • icon_check Multi-Platform Support
    Access this application from a web browser or download it on an Android or iOS mobile phone.
ZestMoney Demo Video play icon

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Watch the demo video to explore key features, real workflows, and how the software fits your business needs.

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ZestMoney Specifications

Supported Platforms
Ubuntu Ubuntu Windows Windows iOS iOS Android Android MacOS MacOS Linux Linux
Devices
Desktop Desktop Mobile Mobile Tablet Tablet iPad iPad
Deployment
Cloud-Based Cloud-Based
Suitable For
All Industries
Business Specific
All Businesses
Business Size
Small Business Startups Medium Business Enterprises
Customer Support
Email
Language
English
Training Resources
Videos

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ZestMoney Reviews

4.3

Out of 5

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Overall Rating

Based on
11 Verified Reviews

Rating Breakdown

  • Features 4.2
  • Value for Money 4.2
  • Ease of Use 4.3
  • Customer Support 4.5

88% Recommend this Product

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Pros

  • "Beneficial when cash was short helped gradually pay for purchases."

    Mohammad AreebSep 3, 2025

  • "It offered access to zero-interest BNPL even for users with moderate credit histories."

    Mr. Mohhomad Ahmad Aug 20, 2025

  • "The model helps those without credit cards access EMIs, useful for small consumer purchases."

    Honey SahuJul 27, 2025

Cons

  • "They charged processing (tech) fees and didn’t offer true “no-cost”—I ended up paying more than expected."

    Mohammad AreebSep 3, 2025

  • "ZestMoney failed to update CIBIL reports accurately for months, despite complete payments."

    Mr. Mohhomad Ahmad Aug 20, 2025

  • "Even after early preclosure, the platform still reported outstanding EMIs, harming my credit score."

    Honey SahuJul 27, 2025

ZestMoney Video Review

youtubeVideoId

4.1

“Zestmoney Advantage and Disadvantage | Zestmoney Review | MyCompany |”

Review by: Demat Dive

Arti Porwal

Cybersecurity Analyst

Industry: Cyber Security User since: 1-2 years

4.7

Reviewed on: 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.

Switched from Bajaj Broking MF

Reason to switch

I went with ZestMoney over Bajaj because Bajaj required a credit card, while ZestMoney let me use EMIs without one.

Mohammad Areeb

Manager

Industry: IT User since: 6-12 months

4.5

Reviewed on: 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.

Switched from Avanzai

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.

Mr. Mohhomad Ahmad

Human Resources

Industry: Hr User since: 1-2 years

4.5

Reviewed on: 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.

Switched from nCino

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.

See All ZestMoney Reviews

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Articles for ZestMoney

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Which operating system does ZestMoney Support?

ZestMoney is compatible with Windows, Linux, and macOS operating systems.

Is there any ZestMoney app?

ZestMoney app is available for Android and iOS devices.

What is the deployment type of the ZestMoney System?

ZestMoney system supports web-based deployment.

How much does ZestMoney cost?

For ZestMoney price in India, please request a call back for subscription-related details and to avail offers on premium packages.

Who are the potential users of ZestMoney Financial Management Solution?

Online shoppers and E-Commerce platforms use the ZestMoney financial management system.

Is there any free trial or demo for ZestMoney?

ZestMoney demo is available for free with techjockey.com.

Is ZestMoney free?

ZestMoney does not offer a free trial. Please request a call back for subscription-related details and to avail offers on premium packages.

How can you download the ZestMoney Financial Management Platform?

You can download the ZestMoney app from the Apple Store or Google Play Store.

How does ZestMoney Work?

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

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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.