Buy Now. Pay Later.
Easy Consumer Durable Loan

Get instant financing for mobiles, laptops, TVs, home appliances, and electronics with flexible EMIs.

Check Eligibility
✔ No CIBIL impact   |   ✔ Quick approval   |   ✔ Digital process

Why choose Consumer Durable Loan?

  • Affordable monthly EMIs
  • No or low down payment options
  • Instant approval at partner stores
  • Wide range of electronics covered

What is a Consumer Durable Loan?

A Consumer Durable Loan lets you purchase electronics and home appliances immediately and pay for them in easy monthly instalments. It helps you manage expenses without paying the full amount upfront.

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Instant Purchase

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Easy Monthly EMIs

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Wide Product Coverage

Quick Digital Approval

Products You Can Buy

Consumer Durable Loans cover a wide range of electronics and home appliances available at partner stores.

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Smartphones

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Laptops

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Televisions

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Air Conditioners

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Washing Machines

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Refrigerators

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Audio & Accessories

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Kitchen Appliances

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Home Electronics

And More

How a Consumer Durable Loan Works

Buying electronics on EMI is quick and hassle-free. Follow these simple steps to get started.

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Select Product

Choose the product you want to buy from a partner store or online platform.

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Check Eligibility

Complete a quick eligibility check using basic details and documents.

Instant Approval

Get fast approval and loan confirmation within minutes.

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Pay in EMIs

Take the product home and repay the amount in easy monthly EMIs.

Eligibility & Documents Required

Getting a Consumer Durable Loan is simple. If you meet the basic criteria, approval is quick and digital.

Who Can Apply?

  • Indian resident aged 21 to 60 years
  • Salaried or self-employed individuals
  • Regular monthly income
  • Valid mobile number linked with Aadhaar
  • Basic credit history preferred

Documents You Need

  • PAN Card
  • Aadhaar Card
  • Recent bank statement
  • Latest salary slip or income proof
  • Address proof (if required)
✔ Minimal documentation   |   ✔ Paperless process   |   ✔ Eligibility may vary by lender

When a Consumer Durable Loan Is the Right Choice

Consumer Durable Loans are designed for planned purchases where affordability and convenience matter.

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Upgrading Gadgets

Ideal when you want to upgrade your smartphone, laptop, or TV without paying the full amount upfront.

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Home Appliance Purchases

Perfect for buying essential appliances like refrigerators, washing machines, or ACs.

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Budget-Friendly Buying

Helps you manage cash flow by spreading the cost over easy monthly EMIs.

Urgent Replacement

Useful when an appliance suddenly stops working and immediate replacement is required.

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Festive Purchases

Ideal during festive sales when offers and zero-cost EMI options are available.

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Credit Building

Timely EMI payments help build a positive credit history for future loans.

Consumer Durable Loan vs Credit Card

Both options help you buy products easily. The right choice depends on how and what you plan to purchase.

Consumer Durable Loan

Best suited for planned purchases of electronics and home appliances with fixed EMIs.

  • Designed specifically for product purchases
  • Fixed EMI and tenure
  • Often available with zero-cost EMI
  • No revolving credit usage
Continue with Consumer Durable Loan

Credit Card

Better for recurring expenses and flexible spending across multiple categories.

  • Reusable credit limit
  • Interest-free period on purchases
  • Rewards and cashback benefits
  • Higher interest if not paid on time
Explore Credit Cards

Ready to Buy Your Next Appliance on EMI?

Get instant financing for mobiles, laptops, TVs, and home appliances. Check your eligibility in minutes and enjoy easy monthly EMIs.

Check Consumer Durable Loan Eligibility
✔ No CIBIL impact   |   ✔ Instant approval   |   ✔ 100% digital process
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Secure Platform

Your data is protected with bank-grade security

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RBI-Compliant

Loans offered via trusted NBFC & bank partners

Instant Approval

Quick eligibility and fast loan confirmation

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100% Digital

Paperless application with minimal documents

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Trusted by Users

Helping customers buy smart with easy EMIs

Consumer Durable Loan – FAQs

Does Consumer Durable Loan affect my CIBIL score? +

Checking eligibility does not affect your CIBIL score. Timely EMI payments can actually help improve your credit history.

Is zero-cost EMI really interest-free? +

Yes, in zero-cost EMI offers, interest is usually adjusted via upfront discounts provided by the lender or merchant.

Can I prepay my Consumer Durable Loan? +

Prepayment options depend on the lender. Some allow early closure with minimal or no charges.

What happens if I miss an EMI? +

Missing EMIs may attract late fees and impact your credit score. Always try to pay EMIs on or before the due date.