Taking EMI Plans is now easy. It is difficult to buy everything in cash. With EMI plans, you can buy expensive things. You can use Smart Plan even without a card. The top ten plans will be mentioned in this post. Every plan is safe and easy too. All you need is an app or an ID. All apps are available for free on the Play Store. Let’s start your cardless EMI Plans journey.
1۔ Bajaj EMI Card
Loan from ID
All you need is an ID and a pass. No bank required. Getting a Bajaj EMI Card is easy. Apply through the app. Approval is fast. There are no heavy checks. Only basic documents are required. Everything can be done from home. No need to stand in line. Every customer can get this card.
Get cheese in EMI
You can buy a phone or an LED with this card. You don’t need to pay cash. Everything is available in easy EMI Plans. There is a small payment each month. There are no additional fees. Buy expensive items and pay easily every month. Whether it is the TV or the AC, you will have it all. You don’t have to pay the entire amount at once. Your budget stays safe.
Stores everywhere
It has shops in every city. You can easily use the card. The EMI plans is available in every mall. The network is strong. Bajaj has a partner in every sector. You don’t have to go far. Store staff also help. You can check online where to buy it. This plan is available across all brands.
Set the time
You can decide the loan tenure yourself. There is a 3-month or 12-month plan to choose from. Everything is clear in the app. Payment is easy. Your EMI is decided based on time. If you take longer, you’ll pay less. If you finish early, you’ll get paid faster. There are no late fees if you pay on time. The total EMI Plans is in your hands.
2. Zest Money Plan
ZestMoney offers cardless EMI Plans. You can sign directly from the app. Completion of KYC is mandatory. EMI Plans starts after that. You don’t need a bank in this app. Even if your score is low, you get a plan. A zero-cost plan is also available. You can schedule the EMI. The app spells out all the steps. Autopay also starts. Everything is easy on the phone.
3. Flipkart Pay Later
This plan can be availed only through the Flipkart app. Not every customer gets the offer. If you get it, it’s easy to use. You can buy phones, shoes, and tools. EMI is available for three months. Paying through the app is easy. No credit card required. Complete information is available through the app. The EMI date is displayed. The app also sends alerts.
4. Amazon Pay Later
Amazon Pay also provides an EMI Plans option. The plan is activated without a card. EMI is available through in-app KYC. You can set it from the phone. This plan works on all products. It is the user to sets the time. The app shows the cost of each EMI. You get an alert when EMI fails. You can turn on autopay. This is an easy and fast option.
5. InstaCred EMI
Using the free app
InstaCred is available for free in the App Store. Anyone can install it easily. The size of the app is also small. It doesn’t consume the space on your phone. Setup is fast. The plan is available as soon as you open the app. No delay, no waiting. Everything happens online. The sign-up process is easy. It is associated with ID and number.
No card required
No card required in this plan. You can avail EMI Plans without a card. The deal is done in-store directly through the app. No stress of carrying cash. It is an easy process for every user. You just have to show the app. The staff scans the app. Approval is immediate. No paperwork, no delays.
Easy EMI Track
Tracking EMI Plans in the app is easy. Each month’s date is displayed. Alert is also available. Complete details are written in the app. The EMI plan is clear. Both time and money are visible. You are already prepared. There are no hidden charges. The report is also available in PDF format.
Phone and Tab Easy Love
You can buy a phone or tablet with InstaCred. Every brand is available in the market. Stores accept InstaCred. The latest models are also available on EMI Plans. The affordable, easy EMI Plans is created even when the price is high. The app also displays offers and deals. Everything is organized in the app. This is a quick process.
6. SNAPMENT PLAN
Snapmint provides fast EMI service. You can get insurance even with low scores. The plan is only availed by ID and mail. EMI Plans is also available at zero cost. Every step is done over the phone. This app works on all tools. It’s easier than the Track app. Alert SMS is also received. Snapmint is a secure app. Show the code at the store and get the plan.
7. Home Credit App
Home Credit Plan is available in all cities. This app is free on the phone. The EMI Plans step is simple. You need an ID and mail. No card required. The plan is fast. You just need to show the code at the store. EMI Plans is for three to six months. The limit is shown on the app. Phone loan is also available.
8. Paytm Postpaid
Paytm also offers plans. Not every user gets it. But whoever gets it should use it. This EMI starts without a card. Everything is arranged through the Paytm app. ID is checked. The limit can be lower or higher. Later payment time is three months. You can buy faster. EMI also works on Autopay.
9. LazyPay EMI
The LazyPay app plan works fast. It is not accepted at every store. But it works anywhere. Logged in by a user ID. EMI runs for three to six months. The app shows all the records. You can use it on a phone or a tablet. You get an alert on the EMI date. Loan repayment is easy. There is also an auto-pay option.
10. Keep an EMI app
The Kissht app provides old plans. This app is useful. It is used in shops or sites. You can sign in with your ID and email. EMI starts quickly. The plan works on everything. You can take a small or large loan. The EMI plan is displayed on the app. Shop owners can apply for a loan using the code. This is an easy and safe option.
Safe EMI Tips
Use the app wisely. Read the terms before availing the EMI plan. Stay away from fake apps. Take plans only from reliable sources. Be vigilant on every EMI. Do not fake KYC. Pay EMI on time, otherwise feel fine. It is also possible to avail a secure EMI without a card. All it takes is an app and smart steps. Every customer should be careful at the time of EMI. Set a budget and use EMI.
FAQs
What is EMI?
EMI means a fixed payment every month. You don’t have to pay the whole amount in cash at once. This plan is safe and convenient for every user. With an EMI plan, you can buy big things comfortably.
Is it safe to take EMI?
Yes, taking EMI is safe if you are smart. Only use a trusted app or bank plan. Fulfill the conditions and do not delay. If Auto Pay is on, your plan is safe.
How to take EMI without a credit card?
Use BNPL apps where no credit card is required. You can also avail a short-term EMI from loan apps. There is also a Debit Card EMI, which is convenient. Cashback apps also offer EMI plans.
Is the BNPL app free?
Some BNPL apps offer free plans. But some apps have hidden fees. You should read the terms first. Each offer has a different plan.
Can the EMI plan be cancelled?
Yes, you can cancel your EMI plan. There is a complete guide in the help section of the app. But mid-plan cancellation may attract fees. Check each step thoroughly.
Does EMI affect credit score?
If you pay on time, your score is higher. Late payment leads to a low score. Auto Debit option is secured. Smart use of an EMI plan increases your credit.