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What is No Cost EMI?
Pickyourtrail has partnered with ZestMoney to offer its customers No Cost EMIs for a hassle-free international vacation booking experience. With a No Cost EMI, customers can book a vacation to their desired destination without having to worry about the rates. The total trip cost will be broken down into EMIs for the selected tenure and will be offered at a minimum processing fee.
How does the 3 months No Cost EMI work?
When a customer books a vacation with Pickyourtrail using 3 months No Cost EMI plan, they can travel now and pay later! For instance, if the total trip cost is ₹1,20,000, the customer needs to make a 25% down payment (of ₹30,000) initially. The remaining amount can be paid in 3 simple instalments of ₹30,000 along with a processing fee (2.36% of the total loan amount; inclusive of GST) over the next 3 months.
Are there any additional charges if I use ZestMoney?
If a customer opts the 3 month EMI plan, they will not be charged any additional interest rates. However, a processing fee (2.36% of the total loan amount; inclusive of GST) will be charged for EMI tenures of more than three months.
Is No cost EMI available for 6,9 and 12 months too?
Currently, the offer of No cost EMI is available only for 3 months plan. For 6,9 and 12 months EMI plan, an interest rate of 1.8% per month will be charged apart from the processing fee.
Which payment methods can I use to get a No Cost EMI?
The down payment can be made through credit and debit cards from leading banks (Axis, ICICI, HDFC, Citi Bank, SBI, IndusInd, Yes Bank, Kotak, RBL, HSBC, Standard Chartered). Customers can also use NetBanking or UPI to make the down payment. For EMI payments, all the above methods except credit cards are accepted
Are there any prerequisites I need to know before I apply for the Zest No Cost EMI?
Yes, the customer needs to produce a valid PAN card and salary slips from the last nine months as part of the online application process. Please ensure 100 percent accuracy while filling the forms. For more information, the customer can get in touch with our Travel Consultants.
How do I ensure I stand a good chance to get my loan approved?
Clear documentation plays a huge role when it comes to loan approval. Once the customer uploads the mandatory documents, ZestMoney will do a simple verification at their end. Post this check, the status of their loan approval will be communicated via email or SMS. In some cases, an application can be declined if the customer hasn’t provided the required documents or filled incorrect details.
Do I have a credit limit with ZestMoney?
No, with the Pickyourtrail - ZestMoney EMI scheme there is no credit limit. You will apply for the loan and depending on your documentation, it will be sanctioned or rejected. If you need a credit limit, you will have to visit the ZestMoney portal and have it approved.
What are the eligibility criteria to avail ZestMoney EMI payment?
To use ZestMoney, the customer must be over 18 years of age and under 65 years. You must be an Indian resident and have a bank account, PAN card & Aadhaar card. Credit card and CIBIL score are not mandatory.