How it works Check eligibility EMI calculator FAQ Apply now
RBI Regulated NBFC

Own your work phone.
Pay monthly.

No credit history needed. Apply online, get approved instantly, phone delivered to your door.

Loans from ₹10,000 to ₹25,000  ·  6–12 month EMI  ·  RBI regulated NBFC

Check if you qualify → See how it works ↓
RBI Regulated NBFC ₹0 Collateral Instant Approval No CIBIL Required
Approved ✓

Your EMI plan

Redmi Note 13 — 128GB

₹1,766 /month

for 12 months  ·  ₹18,000 loan

₹21,192
₹270
₹0
Apply for this plan

How it works

Get your phone in 4 simple steps

The whole process — from application to delivery — happens online. No branch visit, no waiting in queues.

1

Apply online

Choose your phone and fill a short application. Just your Aadhaar, PAN, and bank account — takes under 5 minutes.

2

Instant approval

No CIBIL score needed. We check your eligibility and give you a decision on the spot.

3

Phone delivered

Your new phone is delivered to your address. No store visit required.

4

Set up and start using

Our delivery agent helps you complete the quick setup before they leave. You're done.

Who this is for

If you earn from your phone, you qualify.

We designed this for people banks say no to.

Who qualifies

  • Zomato, Swiggy, Blinkit & Zepto delivery riders
  • Ola, Uber & Namma Yatri drivers
  • Kirana owners and small traders
  • First job in the city, no credit history yet

What you need

  • Aadhaar card
  • PAN card
  • Active bank account with 3–6 months of statements
  • Android smartphone priced ₹10,000–₹25,000
Check if I qualify →

EMI calculator

See your monthly payment

Adjust the loan amount and tenure to see your indicative EMI before you apply.

Loan amount ₹18,000
₹10,000₹25,000
Repayment period

Monthly EMI

₹1,766/mo

Total: ₹21,192 Processing fee: ₹270

Final EMI is set at approval based on your individual profile. Indicative rate: 28–34% APR. Calculation shown uses 31% APR for illustration.

Apply at a partner store →

FAQ

Common questions

No. We assess your eligibility using your Aadhaar, PAN, and 3–6 months of bank statements. If you have income, we want to help you get a phone.
The application takes under 5 minutes. You'll get a decision instantly. Once approved, your phone is delivered to your address — usually within 1–2 business days.
We'll send you reminders before your due date. If a payment is missed, some non-essential apps on your phone may be temporarily restricted until the payment is made. Emergency calls, internet, maps, and payment apps always remain available. Once you pay, restrictions are removed within 1 hour.
Any Android smartphone priced between ₹10,000 and ₹25,000 from our catalogue. Popular options include Redmi Note, Realme Narzo, Samsung Galaxy A series, and more.
Via UPI AutoPay — a fixed amount is automatically debited from your UPI account every month on your due date. You can also pay manually through any UPI app if needed.
Yes. We only collect what is required for your loan application: Aadhaar, PAN, and bank statements. We never read your messages, access your photos, or store any personal data beyond what is legally required for lending.