---
title: "ZestMoney - Reviews, Revenue and Downloads in India | Apple App Store"
description: "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"
---

# ZestMoney — India
> Buy Now Pay Later

![ZestMoney App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/6b/bf/87/6bbf87c9-9765-8006-6329-f579e988c048/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/400x400bb.png)

**Developer:** [DMI Infotech Solutions Private](https://apptail.io/developer/dmi-infotech-solutions-private-DaLg) (India)
**Category:** Finance
**Rating:** 3.3/5 (4,572 ratings)
**Price:** Free
**Bundle ID:** com.zestmoney.consumer
**Store:** Apple App Store
**Country:** India
**Version:** 120021 (released 2026-09-22)
**Original Release:** 2022-02-16

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id1597244251)
**AppTail Page:** [https://apptail.io/app/zestmoney-xbB/india](https://apptail.io/app/zestmoney-xbB/india)

## ZestMoney Description
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.

## ZestMoney Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource116/v4/f0/3d/f1/f03df1cf-a594-cd7f-b3d3-367aa1fac082/f22514c4-4b1b-4579-9d89-03d7b63dcfb2_app-store.png/1284x2778.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/Purple116/v4/1e/20/ec/1e20ec0f-eb8a-a9db-74e1-eb08734dc154/fe62e374-42ea-4a70-ab5d-5b9ef1a95e11_AppScreen_Adapts_iOS_4.png/1284x2778.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/Purple116/v4/f3/99/71/f399719f-632c-f156-7c48-b4a64e09bdc1/9fc9a5d6-8155-4a5d-9acf-009cbdd8e95a_AppScreen_Adapts_iOS_6.png/1284x2778.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/Purple126/v4/05/ef/db/05efdb40-6ad9-7e78-f769-52e8130f18f1/f9556ff8-f51f-434e-a77d-188c54fb976f_AppScreen_Adapts_iOS_2.png/1284x2778.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/Purple116/v4/1f/e9/e7/1fe9e74d-a515-0416-4c5c-de77cb36b989/5d3da18d-ef6f-4ab0-8ccf-c205d449d0de_AppScreen_Adapts_iOS_7.png/1284x2778.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/Purple116/v4/3a/e1/8a/3ae18a14-14c0-e25d-4bd8-bbdad83f018f/41ca0ad8-c7a6-4cff-87b5-0ea5ebb4b407_Paywithease_Adapts_iOS_1284x2778.png/1284x2778.png)

## ZestMoney Rating Breakdown in India
- 5 stars: 2,202 (48%)
- 4 stars: 349 (8%)
- 3 stars: 152 (3%)
- 2 stars: 116 (3%)
- 1 stars: 1,753 (38%)

## ZestMoney Reviews in India

### *---- "Worst app ever don’t use this app for payment. Fraud App"
This is one of the worst app. When pay anything by EMI they don’t give cashback aa they mention in app. Also it not No cost EMI. Since last 2 years I didn’t received my cashback yet. I tried to call multiple times but Support team is not available. Totally Fraud app don’t use this app.
-- Shiv7666, 2025-01-06

### *---- "Loan"
Worst app i have ever seen. I have paid all the the loan amount, still the Zest Money agents contineously calling me for the payment of remaing loan and due amount. The app shows all closed EMIs from my side and no option for repayment. Moreover, on their side of companies platform they didn't receive the payment and they are applying due charges and loan amount.
Worst worst app
Please dont use it
The single star also dont deserve this company.
-- Ss̤, 2024-12-31

### *---- "Fraud"
I did foreclosure of my loan before 2 months, but now DMI is sending messages and showing its still pending
-- Rcbian S, 2024-12-07

### *---- "Effected my cibil score"
Even after paying all my payments before the due date my credit limit got blocked. Also due to the late payments by zest money to their partners it shows so many late payments on my cibil score data,when I didn’t even have any other emi except for zest money. It’s been almost a year and now my entire cibil score has spoiled. M never ever buying anything from zest anymore nor would recommend anyone.

When I am trying to contact zest money it’s says not able to verify the mobile number.
I even mailed them but there’s no response 

Kindly contact me asap.
-- Raven201, 2024-11-28

### *---- "Seems this service is not available now"
For queries it is difficult to get response. Even for customer care centre, waiting time is more than 15 and after that they will just disconnect. 
I’m not using this app but even though there is an entry in my credit records which CIBIL requested to check with Zest itself but they are not approachable. Seems we have to go for some legal options.
-- Vipindas, 2024-11-12

### *---- "Bad service"
I paid up the loan amount but than after they deducted a 1 emi of instalment so and no any reply on mail for my question of refund of my amount of 8431
-- Keval040, 2024-11-11

### *---- "worst app"
Im not able to find zest pay option anywhere either flipkart or amazon or myntra which i use more
-- Olx userr, 2024-11-08

### *---- "Payment"
Zest is third party which provides loans from other agencies like Aditya capital. After taking loan zest delay our payments which will affect our credit score. They payment processor is worst.
-- Ram2499, 2024-11-07

### *---- "Cash back interest"
Worst app with zero service
-- Abhi Amin, 2024-11-02

### *---- "Cashback Fraud"
They have not given me my cash back of more than 10000 rupees for 1 and a half years. If I call customer care, they say that I will get the cash back in 15 days, which I have not received till date and this application is also not opening.
-- Amitpurohit22, 2024-11-01

[View all ZestMoney reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)


## ZestMoney Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | India | Finance | #199 |

## ZestMoney Discovered Keywords
- money
- mymoney
- mobikwik
- bajaj finserv
- credit
- freecharge
- emi
- bajaj markets instant loan app
- indiabulls home loans
- buy now

## Apps Similar to ZestMoney
- [Stashfin UPI, Pay Bills, Loans](https://apptail.io/app/stashfin-upi-pay-bills-loans-zPm/india)
- [PayMe - Personal loan app](https://apptail.io/app/payme-personal-loan-app-SUm/india)
- [Buddy Loan: Personal Loan App](https://apptail.io/app/buddy-loan-personal-loan-app-OiVd/india)
- [CASHe: Online Instant Loan App](https://apptail.io/app/cashe-online-instant-loan-app-hxWd/india)
- [Creditt+ Instant Personal Loan](https://apptail.io/app/creditt-instant-personal-loan-Jnxe/india)
- [Capital Now: Instant Loan App](https://apptail.io/app/capital-now-instant-loan-app-Nnxe/india)
- [Freo - UPI, Insurance, Loans](https://apptail.io/app/freo-upi-insurance-loans-gNLe/india)
- [Lenditt: Personal Loan App](https://apptail.io/app/lenditt-personal-loan-app-uArf/india)
- [Finnable](https://apptail.io/app/finnable-AArf/india)
- [Zype Instant Personal Loan App](https://apptail.io/app/zype-instant-personal-loan-app-VWwn/india)

## ZestMoney Available In
- [India](https://apptail.io/app/zestmoney-xbB/india)
- [United States](https://apptail.io/app/zestmoney-xbB/united-states)
- [United Arab Emirates](https://apptail.io/app/zestmoney-xbB/united-arab-emirates)
- [Australia](https://apptail.io/app/zestmoney-xbB/australia)
- [Singapore](https://apptail.io/app/zestmoney-xbB/singapore)
- [United Kingdom](https://apptail.io/app/zestmoney-xbB/united-kingdom)
- [Oman](https://apptail.io/app/zestmoney-xbB/oman)
- [Canada](https://apptail.io/app/zestmoney-xbB/canada)
- [Kuwait](https://apptail.io/app/zestmoney-xbB/kuwait)
- [Taiwan](https://apptail.io/app/zestmoney-xbB/taiwan)
- [Austria](https://apptail.io/app/zestmoney-xbB/austria)
- [Nigeria](https://apptail.io/app/zestmoney-xbB/nigeria)
- [Hungary](https://apptail.io/app/zestmoney-xbB/hungary)
- [Qatar](https://apptail.io/app/zestmoney-xbB/qatar)
- [Saudi Arabia](https://apptail.io/app/zestmoney-xbB/saudi-arabia)
- [Argentina](https://apptail.io/app/zestmoney-xbB/argentina)
- [Philippines](https://apptail.io/app/zestmoney-xbB/philippines)
- [Jordan](https://apptail.io/app/zestmoney-xbB/jordan)
- [Malaysia](https://apptail.io/app/zestmoney-xbB/malaysia)
- [Czechia](https://apptail.io/app/zestmoney-xbB/czechia)
- [Germany](https://apptail.io/app/zestmoney-xbB/germany)
- [Denmark](https://apptail.io/app/zestmoney-xbB/denmark)
- [Dominican Republic](https://apptail.io/app/zestmoney-xbB/dominican-republic)
- [Algeria](https://apptail.io/app/zestmoney-xbB/algeria)
- [Ecuador](https://apptail.io/app/zestmoney-xbB/ecuador)
- [Estonia](https://apptail.io/app/zestmoney-xbB/estonia)
- [Egypt](https://apptail.io/app/zestmoney-xbB/egypt)
- [Spain](https://apptail.io/app/zestmoney-xbB/spain)
- [Finland](https://apptail.io/app/zestmoney-xbB/finland)
- [France](https://apptail.io/app/zestmoney-xbB/france)
- [Grenada](https://apptail.io/app/zestmoney-xbB/grenada)
- [Ghana](https://apptail.io/app/zestmoney-xbB/ghana)
- [Greece](https://apptail.io/app/zestmoney-xbB/greece)
- [Guyana](https://apptail.io/app/zestmoney-xbB/guyana)
- [Hong Kong SAR China](https://apptail.io/app/zestmoney-xbB/hong-kong)
- [Honduras](https://apptail.io/app/zestmoney-xbB/honduras)
- [Croatia](https://apptail.io/app/zestmoney-xbB/croatia)
- [Indonesia](https://apptail.io/app/zestmoney-xbB/indonesia)
- [Ireland](https://apptail.io/app/zestmoney-xbB/ireland)
- [Israel](https://apptail.io/app/zestmoney-xbB/israel)
- [Iceland](https://apptail.io/app/zestmoney-xbB/iceland)
- [Italy](https://apptail.io/app/zestmoney-xbB/italy)
- [Jamaica](https://apptail.io/app/zestmoney-xbB/jamaica)
- [Japan](https://apptail.io/app/zestmoney-xbB/japan)
- [Kenya](https://apptail.io/app/zestmoney-xbB/kenya)
- [South Korea](https://apptail.io/app/zestmoney-xbB/south-korea)
- [Cayman Islands](https://apptail.io/app/zestmoney-xbB/cayman-islands)
- [Kazakhstan](https://apptail.io/app/zestmoney-xbB/kazakhstan)
- [Lebanon](https://apptail.io/app/zestmoney-xbB/lebanon)
- [Sri Lanka](https://apptail.io/app/zestmoney-xbB/sri-lanka)
- [Lithuania](https://apptail.io/app/zestmoney-xbB/lithuania)
- [Luxembourg](https://apptail.io/app/zestmoney-xbB/luxembourg)
- [Latvia](https://apptail.io/app/zestmoney-xbB/latvia)
- [Madagascar](https://apptail.io/app/zestmoney-xbB/madagascar)
- [North Macedonia](https://apptail.io/app/zestmoney-xbB/north-macedonia)
- [Mali](https://apptail.io/app/zestmoney-xbB/mali)
- [Macao SAR China](https://apptail.io/app/zestmoney-xbB/macau)
- [Malta](https://apptail.io/app/zestmoney-xbB/malta)
- [Mauritius](https://apptail.io/app/zestmoney-xbB/mauritius)
- [Mexico](https://apptail.io/app/zestmoney-xbB/mexico)
- [Namibia](https://apptail.io/app/zestmoney-xbB/namibia)
- [Nicaragua](https://apptail.io/app/zestmoney-xbB/nicaragua)
- [Netherlands](https://apptail.io/app/zestmoney-xbB/netherlands)
- [Norway](https://apptail.io/app/zestmoney-xbB/norway)
- [Nepal](https://apptail.io/app/zestmoney-xbB/nepal)
- [New Zealand](https://apptail.io/app/zestmoney-xbB/new-zealand)
- [Panama](https://apptail.io/app/zestmoney-xbB/panama)
- [Peru](https://apptail.io/app/zestmoney-xbB/peru)
- [Pakistan](https://apptail.io/app/zestmoney-xbB/pakistan)
- [Poland](https://apptail.io/app/zestmoney-xbB/poland)
- [Portugal](https://apptail.io/app/zestmoney-xbB/portugal)
- [Paraguay](https://apptail.io/app/zestmoney-xbB/paraguay)
- [Romania](https://apptail.io/app/zestmoney-xbB/romania)
- [Russia](https://apptail.io/app/zestmoney-xbB/russia)
- [Sweden](https://apptail.io/app/zestmoney-xbB/sweden)
- [Slovenia](https://apptail.io/app/zestmoney-xbB/slovenia)
- [Slovakia](https://apptail.io/app/zestmoney-xbB/slovakia)
- [Senegal](https://apptail.io/app/zestmoney-xbB/senegal)
- [Suriname](https://apptail.io/app/zestmoney-xbB/suriname)
- [El Salvador](https://apptail.io/app/zestmoney-xbB/el-salvador)
- [Thailand](https://apptail.io/app/zestmoney-xbB/thailand)
- [Tunisia](https://apptail.io/app/zestmoney-xbB/tunisia)
- [Türkiye](https://apptail.io/app/zestmoney-xbB/turkey)
- [Ukraine](https://apptail.io/app/zestmoney-xbB/ukraine)
- [Uganda](https://apptail.io/app/zestmoney-xbB/uganda)
- [Uruguay](https://apptail.io/app/zestmoney-xbB/uruguay)
- [Uzbekistan](https://apptail.io/app/zestmoney-xbB/uzbekistan)
- [Venezuela](https://apptail.io/app/zestmoney-xbB/venezuela)
- [British Virgin Islands](https://apptail.io/app/zestmoney-xbB/british-virgin-islands)
- [Vietnam](https://apptail.io/app/zestmoney-xbB/vietnam)
- [South Africa](https://apptail.io/app/zestmoney-xbB/south-africa)
- [Armenia](https://apptail.io/app/zestmoney-xbB/armenia)
- [Angola](https://apptail.io/app/zestmoney-xbB/angola)
- [Azerbaijan](https://apptail.io/app/zestmoney-xbB/azerbaijan)
- [Barbados](https://apptail.io/app/zestmoney-xbB/barbados)
- [Belgium](https://apptail.io/app/zestmoney-xbB/belgium)
- [Bulgaria](https://apptail.io/app/zestmoney-xbB/bulgaria)
- [Bahrain](https://apptail.io/app/zestmoney-xbB/bahrain)
- [Bermuda](https://apptail.io/app/zestmoney-xbB/bermuda)
- [Brunei](https://apptail.io/app/zestmoney-xbB/brunei)
- [Brazil](https://apptail.io/app/zestmoney-xbB/brazil)
- [Botswana](https://apptail.io/app/zestmoney-xbB/botswana)
- [Belarus](https://apptail.io/app/zestmoney-xbB/belarus)
- [Belize](https://apptail.io/app/zestmoney-xbB/belize)
- [Switzerland](https://apptail.io/app/zestmoney-xbB/switzerland)
- [Chile](https://apptail.io/app/zestmoney-xbB/chile)
- [China](https://apptail.io/app/zestmoney-xbB/china)
- [Colombia](https://apptail.io/app/zestmoney-xbB/colombia)
- [Cyprus](https://apptail.io/app/zestmoney-xbB/cyprus)

---

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