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Why choose HappyEMI?

Making the world more inclusive by offering loans to even the thin file customers.

How it works

Walk into our partner stores
choose your products
Apply to HappyEMI
Take your products home

Features

Quick & Easy

Quick & Easy

Just enter a few pieces of information for a real-time decision. We also encourage the users to opt for our Auto Debit Feature.

No Hidden Fees

No Hidden Fees

Our motto is to keep it simple and keep it clean. Know upfront exactly what you’ll owe based on your repayment plan.

Safe & Secure

Safe & Secure

All information collected will be kept confidential to ensure privacy. All transactions once the loan is approved will be between the user and HappyEMI through encrypted channels.

Minimal Documentation

Minimal Documentation

All we need for you to be is an Indian with an Aadhar & Pan Card.

Instant & On the Spot Approval

Instant & On the Spot Approval

Once you’re good to ring up your purchases our representative at the shop will check your approval using our merchant app and in under a minute you are good to go! Happy EMI! Happy to Buy!

Pay Without CIBIL

CIBIL Independent

Finally an EMI option that doesn’t haggle you for CIBIL score as we understand that a majority of the shoppers find it restrictive and isn’t representative.

Frequently Asked Questions

What is Happy EMI?

Once you’re good to ring up your purchases our representative at the shop will check your approval using our merchant app and in under a minute you are good to go! Happy EMI!

What kind of products can I purchase here?

Fashion, electronics & furniture from any of our partnered stores.

How is Happy EMI different from the other players in the market?

Does not use CIBIL score, instead works on an alternate scoring method that is more all encompassing.

How do I purchase something using Happy EMI?

Enter our partnered store, pick up what you like, reach the billing section and our rep will guide you through a quick & easy EMI application process.

How much time would it take to approve my application?

Under five minutes.

How do I know if I am eligible?

Are you between 18-55? Is your nationality Indian? Do you have your Aadhar & Pan Card? If the answer to all of that is a yes then you know you are eligible.

Walk into any of our 100+ partner stores

Get your favorite consumer electronics at affordable easy EMI by walking into any nearest of our 100+ partner stores.