WHAT WE DO?
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.
Intelligent AI Risk Engine
Non-trivial Data Sources
Seamless Integration
Minimum Documentation
People-less and Paper-less
Instant Approval
0% Interest
Discover how HappyEMI is impacting
CONSUMERS
- 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
RETAILERS
- Turn Window Shoppers into Buyers
- Boost in-store sales and faster conversions
- No additional cost
- Get repeat sales