Your message has been successfully sent! x

Making dreams affordable for everyone.

By the combination of Technology and non-trivial data sources, we provide instant credit to consumer’s smartphone purchases at the Point of Sale.



HappyEMI is a next-generation consumer finance company providing shoppers with instant financing at the point of-sale in-stores and online platforms making it Peopleless, Paperless financing platform. HappyEMI’s has an edge over others through its data-driven approach that underwrites risk beyond credit score to reach broader consumer base by using alternative data points and has signed up major retail brands for smartphones. HappyEMI monetizes through subvention from Manufactures and Retailers and financing charges from Consumers. HappyEMI helps its Retail Partners improve sales conversions, boost basket sizes, and increase customer happiness.

Walk into our partner stores

Intelligent AI Risk Engine

choose your products

Non-trivial Data Sources

Apply to HappyEMI

Seamless Integration

Quick & Easy

Minimum Documentation

No Hidden Fees

People-less and Paper-less

No Hidden Fees

Instant Approval

No Hidden Fees

0% Interest

Discover how HappyEMI is impacting


  • Easy to Understand financing options to pay over time.
  • Loans designed to suit your budget, your timeline
  • Frictionless, Hassle-free
  • Independent of your CIBIL Score
Learn More


  • Turn Window Shoppers into Buyers
  • Boost in-store sales and faster conversions
  • No additional cost
  • Get repeat sales
Learn More

Contact Us