Frequently Asked Questions

About InstaCred

What is InstaCred EMI?

How does it work?

Who is giving me this credit line?

Are there any processing fees associated with InstaCred EMI?

Eligibility

What do I do to sign-up for InstaCred?

Do I need to submit any KYC documents?

Why am I not receiving an OTP?

Buy with InstaCred

How do I shop using InstaCred?

What is the tenure of the loan?

Do I need to make a down payment?

Can I do partial payment for any purchases using InstaCred EMI and other payment options?

How much interest will I be paying?

Where can I track the status of my purchase?

What happens if I don’t need the product/service I bought?

Repayment

How do I re-pay InstaCred?

What is the process to pre-close the EMI?

Is there any Late Payment Fee associated with my loan?

Can I increase the tenure of the loan after it has been approved?

Can I change my repayment cycle date?

Lender Specific Questions

Kotak Mahindra Bank

How to buy online with Kotak Mahindra Bank Debit Card EMI?

What can I buy with Kotak Mahindra Debit Card EMI using InstaCred?

How are transaction disputes resolved?

Who should I contact for the cancellation of Loan?

How to connect with Bank/NBFC in case of any queries or concerns?

How to get the contact details of the Recovery Agents employed by the Bank?

Popular Merchants

Flipkart Amazon Myntra Tata Cliq MakeMyTrip Vijay Sales Sangeetha Mobiles Poorvika Mobiles Dell Lenovo Decathlon M D Computers Zebrs Pepperfry Urban Ladder Royal Oak Ikea Zefo Cult.Fit

InstaCred Cardless EMI

Shop with Cardless EMI at our network of 4800+ top merchants, including your favourite e-commerce stores and brands like Amazon, Flipkart, Myntra, Tata Cliq, Vijay Sales, MakeMyTrip, Dell, Lenovo, Sangeetha Mobiles, Poorvika Mobiles, Decathlon, Pepperfry, Urban Ladder, Cult.Fit, Zebrs, and many more. Buy your favourite products across popular categories of mobiles, laptops and tablets, electronics and appliances, fashion and clothing, home and furnishing, fitness and personal care, travel and holidays, and insurance. Check eligibility with the mobile number registered with your bank. Click Here Now!

Mobile on EMI

Buy smartphones or pocket-friendly budget phones of popular brands like Xiaomi, Samsung, Oppo, Realme, and Vivo. Shop for premium brands like iPhone, OnePlus, or Google Pixel for their state-of-the-art cameras that capture high-quality pictures, or get phones with fast processors and high ram capacity as per your usage. You can avail of Cardless EMI on mobiles across our network of top merchants that include Flipkart, Amazon, Tata Cliq, Vijay Sales, Zebrs, Sangeetha Mobiles, and Poorvika Mobiles, to name a few. Buy the mobile on your bucket list in a smart and affordable way.

Laptops on EMI

Buy laptops for work, entertainment, multitasking, or gaming, from top-rated and trusted brands like Dell, HP, Lenovo amongst others. Get the latest Windows laptops, MacBook, Chromebooks, ssd laptops, or gaming laptops in the configuration you desire as per your requirement. With InstaCred, you can buy laptops on emi without credit card from Flipkart, Amazon, Vijay Sales, Croma, Tata Cliq, Zebrs and other popular merchants.

Electronics & Appliances on EMI

Buy Smart TVs, refrigerators, fast-cooling ACs, coolers, air purifiers, washing machines, microwaves, OTGs, and other home and kitchen appliances you require for your home. Shop for leading brands like Samsung, LG, Whirlpool, Philips, Bosch and Godrej on emi without credit card available at Flipkart, Amazon, Tata Cliq, Croma, Vijay Sales, Zebrs and others.

Fashion & Clothing on EMI

Shop for men, women and kids clothing at leading lifestyle and fashion stores. Use Instacred Cardless EMI available at Myntra, Vero Moda, Only, Jack & Jones, Zodiac, Raymond, Elitify, Wills Lifestyle, Aza Fashion, and many others. Grab trending shoes and sportswear from leading brands like Decathlon, Asics, Reebok and Columbia. Apart from modern lifestyle and sportswear, you can also pick up trending garments from an array of traditional and bridal wear from Kalki, The Chennai Silks, Nalli and India Emporium.

Home Decor & Furniture on EMI

Renovating, redecorating or moving to a new place requires a lot of thought to get it right. Buy beds, sofa sets, dining tables, wardrobes, storage cabinets, study tables, chairs, recliners, TV units, and set up your house the way you want. We make shopping for furniture convenient and affordable at top merchants like Pepperfry, Urban Ladder, RoyalOak, Ikea, Decor, Duroflex, Springtek and Zefo.

Flights, Hotels & Holiday Tours on EMI

Travel for work or pleasure with the convenience of Cardless EMI. Whether you are looking to book local and international flights or hotels and holiday tours we are available on the most popular travel platforms like MakeMyTrip, Via.com, Sasti Ticket, and HappyEasyGo, to name a few.

Accessories and Watches on EMI

Up your fashion quotient or gift something special to a dear one with trendy accessories, jewellery and watches. Shop for the latest designs in watches, bags, wallets and jewellery at popular merchants and brands including Amazon, Flipkart, Myntra, Titan, Fossil, Zimson, William Penn, and others.

Fitness and Personal Care Products on EMI

Achieve your fitness and wellness goals and get into your desired shape mentally and physically. Don’t let expenses hinder your health; get fitness and health products like Fitbit or book classes on Cult.Fit with Cardless EMI. We make high-value purchases of health and fitness products affordable. Shop across popular merchants like Amazon, Flipkart, Decathlon, Asics and others.

Insurance on EMI

Buy or renew general, health, life, car or travel insurance with the comfort of InstaCred Cardless EMI available across top insurance companies like HDFC Life Insurance, SBI General Insurance, ICICI Lombard GIC Limited, Canara HSBC OBC Life Insurance Company Limited, Shriram Life Insurance, Royal Sundaram General Insurance, Bharti Axa, PolicyX and Easy Policy.