Cardless EMI lets your customers finance any purchase without a credit card. Instant approval using Aadhaar OTP. 11+ cardless lending partners.
India's largest cardless lending network — all accessible through one QR code at your store.
One of India's most trusted cardless EMI options. Pre-approved limits for existing HDFC customers. High approval rates.
Flexible tenures, competitive interest rates. Strong approval for salaried and self-employed customers.
Instant digital credit up to ₹1,00,000. Works for first-time credit customers. Very high approval rate.
Specialises in consumer electronics. No-cost EMI options. Fast disbursal.
BNPL specialist. Works for both online and offline retail. Aadhaar-based instant KYC.
Pre-approved limits up to ₹5,00,000. Doorstep delivery of card optional. Digital-first.
Simpler than a credit card. Faster than a bank loan.
No app download. Customers scan the store QR, enter mobile number, verify with OTP.
PAN + Aadhaar based live credit check across all cardless lenders. Best offer in under 60 seconds.
Customer selects EMI plan, signs digitally. Product delivered. Zero paperwork for the retailer.
Any Indian resident with a valid PAN and Aadhaar can apply. Salaried, self-employed, and business owners are eligible. CIBIL score of 650+ improves approval chances, but some lenders approve without any prior credit history.
Credit card EMI uses your existing credit card limit. Cardless EMI is a new credit line opened instantly using your Aadhaar and PAN — no physical card needed. It's accessible to the 400 million Indians who don't have a credit card.
Yes. All lenders on DPanda FastEMI are RBI-regulated NBFCs or banks. Your Aadhaar OTP is used only for identity verification and never stored. The platform is end-to-end encrypted.
Interest rates vary by lender and customer profile — typically 0% to 24% per annum. No-cost EMI options (where the retailer subsidises the interest) are available with select partners.
Join 5,000+ retailers already offering instant EMI to their customers through DPanda FastEMI.
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