# ZestMoney — Buy Now Pay Later > Buy now, pay later service for flexible installment purchases. (iPhone/iPad app by DMI Infotech Solutions Private Limited.) - Source: https://appshunter.io/ios/app/zestmoney/id1597244251 (this page in markdown: same URL + `.md`) - Developer: [DMI Infotech Solutions Private Limited](https://appshunter.io/developer/1761795509) - Category: Finance - Price: Free - Rating: 2.30/5 from 15 App Store ratings · 62 written reviews indexed - Age rating: 4+ - Requires: iOS 12.1 · 108 MB - Languages: American English - Released: 2022-02-16 - Data updated: 2026-09-01 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/zestmoney/id1597244251/reviews.md ## What is ZestMoney? ZestMoney. Dream big, pay small. A better life is for everyone. And Zest helps make it accessible for millions to upgrade, to enhance, to rise, while keeping it affordable. Buying with Zest gives you the freedom to shop right now and repay in parts up to 36 months. You get to pick what works best for you. With a quick 3-step approval process Zest is accepted at over 10,000 online & 75,000 offline stores. Why should you use ZestMoney? ● Best Pay Later App with affordable EMI tenures ● Shop on EMI with 10000+ stores ● Fully digital process with no paperwork ● Instant loan approval and disbursal ● No credit card or CIBIL score required Important terms and conditions regarding personal loans offered on the ZestMoney App ZestMoney facilitates personal loans through its lending partners to select customers based on different factors like good repayment behaviour etc. The loan repayment period can vary from 3 months to 36 months. The maximum cost (interest & processing fee) can go up to 36% APR (Annual Percentage Rate) based on an individual’s credit profile, although most of our customers incur much lower cost. As an example, if you take a personal loan of Rs.20,000 for a tenure of 12 months at 20% interest rate, you will have to pay a processing fee of Rs.708 (3% of loan amount & GST) and your EMI will be Rs.1853. The total interest charged will be Rs.2232 (which is already included in your earlier mentioned EMI amount). Hence, you will be paying a total of Rs.22,940. EMI repayments can be made directly to ZestMoney via payment modes such as UPI, Debit card or net banking. ## Key features - Buy now, pay later options - Repay in installments up to 36 months - Accepted at 10,000+ online stores - Fully digital, no paperwork process - Instant loan approval and disbursal - No credit card or CIBIL score required ## Recent user reviews (10 of 62) All indexed reviews: https://appshunter.io/ios/app/zestmoney/id1597244251/reviews.md ### 1/5 — Without checking the app recovery agent visited my house *2025-03-08, version 1.01.436* There were few loans running on my account with Zestmoney with DMI finance and repayment was regular before due date but I was constantly getting amount due message from DMI finance on messages and also on whatsapp and they didnt check that payment was already made. For this month also I repaid the amount due on 4th March but still I received message from DMI finance that amount is overdue and please pay immediately. One person from DMI or zest money came to my house today for recovery. It was pathetic to see the recovery person in front of my parents, although I have always paid the due amount before due date. I wont recommend this app to anyone as they dont check the application also where everything is clearly mentioned what is due and when it is due and if you also want zestmoney person to visit your office then use it I have closed the relation with zestmoney today after seeing this that after repayment also you guys sent recovery agent at my house, ### 1/5 — Worst service in my entire life *2024-10-31, version 1.01.436* Im using this app since more than 3 years and taken loan and closed over 5/6 times and for now they have given me offer for another and I applied. after that the app was asking to do kyc again and once done they says we cannot provide loan reason is unknown. talked several times with customer care they says will check and call back for the last one year i haven’t received any callback from them so deleted the app and recently logged in again and checked still the app was showing to update kyc now im deleting my account permanently Worst ever customer service they will never provide what the customer want on time better to go for any other apps 👎🏻👎🏻👎🏻👎🏻👎🏻 ### 1/5 — Worst app *2024-09-22, version 1.01.436* When u install the app it won’t give otp to login( it shows otp failed). My emi is something like 2.8k they debit 3.1k every month & they say excess amount will be refund. It’s been 6months I was asking my refund. They were telling 6working days, it’s been 6months already. Auto debit, zest money don’t even know what is auto debit. 5th is emi date & they will be stay dead till 6th & auto debit will happen on 6th. I don’t why they stressing customers. My sincere request to all new customers. Guys go for some other company. This idiot make you stressed & they were like it’s not a problem & all Worst service I ever experienced. Don’t go for zest money🙏🙏 ### 3/5 — It was a wonderful jorney. *2024-04-22, version 1.1.12* I am using zestmoney since 2019. It helped me fulfilling my several wishes. I always liked Zestmoney over credit card. Simple and easy. Suddenly last year my credit limit got blocked despite always paying due emi on time. Tried to solve the issue by contacting customer care but they couldn't help me. Now when Zestmoney is no more working for me i found other emi methods unpleasant. Waiting for almost a year for Zestmoney to unblock my credit limit. Hope someday they will listen. 😊 ### 1/5 — Total disappointment *2024-02-12, version 1.1.12* I gave 1 star because there is no option to give half star or zero star. There was 97k credit limit in my account, suddenly they blocked my credit limit. Calling there customer service is more pathetic experience, as their executives can’t even understand the issue and reads the script provided to them. I had always paid my EMI’s on time but still they put the blame on system that system evaluates the account. Whereas I haven’t taken loans with other bank institutions outside zest money. I have to place an order but they blocked the limit and not even providing any valid reasons for it. I would suggest everyone to not use this app and uninstall if you have already installed as it won’t support at the time of your need. ### 1/5 — Fraud app *2024-02-06, version 1.1.12* Zest money service and its support is a fraud. 1. In 2022 they incorrectly marked payment which impacted my score and contacted support several times but no resolution. 2. In 2024 I thought they improved their services and support but they are now worse. They are now doing payment frauds so don’t set auto payments. I recently used it again which i pre closed my loan transaction but they deducted the 2nd instalment amount and even interest cash-back was not credited. I tried to call several times and mail them but they are showing no response. What’s left for me is to file a complaint on RBI and lodge a legal case against zest money if they are not going to contact me within 24hrs. Beware do not install or use this app. ### 1/5 — Login doesn’t work at all *2024-01-28* Login is not at working for weeks both in app and website ### 1/5 — cashback *2024-01-21, version 1.1.12* The signed a contract to release the interest cashback within 10-12 business day. Since October 2022, every month i have been following up via chat channel or call channel available in the application to get the same standard response "We are escalating your issue to concerned team". The cashback for hundreds or may be thousands of customers have not been paid off by test money since march 2023. Even after multiple follow ups, the support team is saying "we have escalated your issue to concerned team" but i am sure there is no one at the Zest money who is concerned about resolving the cashback on time problem. It’s very bad I waiting for 10 months cashback please resolve it as soon as possible… ### 1/5 — Worst app. Stay away from this. *2024-01-13, version 1.1.12* This is by far the worst app you can use. I took a loan of 15,000 which was issued from HeroFinCorp and paid in full and it showed closed in my account history. Later I found it is still showing Active from 8 months the date of closing from my end and hasn’t been updated in the portals. Due to this all of my cibil reports decreased drastically and when I tried to contact customer support, there was no help. I regret my decision to ever use this app. It’s more like a scam then a useful app. I recommend everyone to read this review and stay away from this kind of apps. The nuisance is not worth it. ### 1/5 — Worst service and fake promises *2023-12-21, version 1.1.12* I have two loan which are 0% interest. I paid 2 Emi of both loans. While i took a loan its was there that my interest will be credited to my account as cashback. It now over 1 month since I paid my EMI. And interest is high. I took a loan thinking my interest will be refunded. I have contacted many time and said wait for 10 to 15 days. I have sent many mails every time same response. “ we will not be able to service your request right now. We regret the inconvenience”. Its like it auto generated message everytime. If anyone of you thinking about taking a loan as 0% interest then don’t expect to you will get your interest back. Worst experience ever. ## Frequently asked questions about ZestMoney ### What is ZestMoney? ZestMoney is a buy now, pay later service that allows users to shop and repay in installments. It facilitates personal loans through lending partners with repayment periods ranging from 3 to 36 months. ### How does ZestMoney work? You can use ZestMoney to shop at over 10,000 online and 75,000 offline stores. The process involves a quick 3-step approval, allowing you to pay for purchases in parts. ### What are the repayment terms for ZestMoney? Repayment periods can vary from 3 months to 36 months. The maximum cost, including interest and processing fees, can go up to 36% APR, though most customers experience lower costs. ### Does ZestMoney require a credit card or CIBIL score? No, ZestMoney does not require a credit card or CIBIL score for its services. It offers a fully digital process with no paperwork involved. ### How can I repay my ZestMoney EMIs? EMI repayments can be made directly to ZestMoney using payment modes such as UPI, Debit card, or net banking. ### What is the age rating for ZestMoney? ZestMoney has an age rating of 4+, making it suitable for a wide range of users. ### How often is ZestMoney updated? The latest version of ZestMoney is 1.01.436, and it was last updated on July 15, 2024. Updates ensure the app's reliability and performance. ### Does ZestMoney have ads? Yes, ZestMoney contains advertisements. As a free service, it utilizes ads to support its operations. ## Version history (last 5 releases) ### 1.01.436 — 2024-07-15 Bug Fixing ### 1.01.434 — 2024-06-19 Release Notes: We're excited to introduce some significant updates to the app, enhancing your experience and improving transparency. Here's what's new: Introduction of a "Moved to Lender" section under the Purchases tab. Enhanced visibility for users with moved loans, ensuring clarity and ease of management. Some lenders have assumed ownership of their loans. This means they'll handle escalations, repayments, and more. Access helpful information and links regarding partner lender repayment procedures, and lender support details. ### 1.1.12 — 2023-07-22 This release contains several security updates, in-app transactions and overall experience improvements. ### 1.1.11 — 2023-07-20 This release contains several security updates, in-app transactions and overall experience improvements. ### 1.1.10 — 2023-07-19 This release contains several security updates, in-app transactions and overall experience improvements. ## Apps similar to ZestMoney | App | Rating | Price | Category | | --- | --- | --- | --- | | [slice: UPI credit card & bank](https://appshunter.io/ios/app/slice-upi-credit-card-and-bank/id1123372237) | 4.2 (242) | Free | Finance | | [BharatPe UPI Payment, Loan App](https://appshunter.io/ios/app/bharatpe-upi-payment-loan-app/id1586002156) | 3.9 (13,741) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,457) | Free | Finance | | [PayMe - Personal loan app](https://appshunter.io/ios/app/payme-personal-loan-app/id1282142711) | 3.6 (32) | Free | Finance | | [CashNow-Safe Loan App](https://appshunter.io/ios/app/cashnow-safe-loan-app/id1584115206) | 4.5 (2,744) | Free | Finance | | [Klover - Instant Cash Advance](https://appshunter.io/ios/app/klover-instant-cash-advance/id1471211372) | 4.8 (375,718) | Free | Finance | ## Related topics [imuthoot](https://appshunter.io/ios/topics/imuthoot) · [zast](https://appshunter.io/ios/topics/zast) · [kreditbee](https://appshunter.io/ios/topics/kreditbee) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*