Why you’ll love shopping with Flipkart Finance?

Smart financing in one click. Whether you are buying everyday essentials or making a major lifestyle upgrade, our instant digital shopping power keeps your monthly budget perfectly balanced.

Highlights

Why wait for payday or compromise on your favorite electronics and appliances? Flipkart Finance makes your wishlist a reality with instant, secure and smart digital credit designed to fit your budget.

Instant Approval

Don't let your cart wait! Get instant shopping power in under 2 minutes* and shop your favorite product.

100% Transparent Shopping

Enjoy the freedom of Pay Later with absolutely zero hidden charges. No surprises.

No Paperwork. No Hassle

Our digital setup requires minimal KYC, so you can activate Pay Later and get right back to shopping.

Flexible Payment Choices

Pay next month with Pay Later, or split big purchases into easy 3, 6, 9, or 12-month EMIs.

100% Secure

Your transactions are fully encrypted and protected against fraud. No risks, just seamless shopping.

Who can apply?

Check our simple eligibility checklist below before starting your application.

Nationality

Indian

Age

20 - 55 years of age

Credit History

First Time borrowers

How to apply

Step 1
Get Started

Login to Flipkart App and proceed to My Accounts > Flipkart Pay Later

Step 2
Quick Verification

Complete your KYC verification and link autopay for seamless payments

Step 3
Select Product

Shop on the merchant app and proceed to checkout

Step 4
Choose Tenure

Select the repayment timeline that works best for you

Step 5
Review & Confirmed

Review your loan terms and own it today

Have more questions?

View all FAQs
What is Flipkart Pay Later & what are the offerings?

Flipkart Pay Later offerings are brought to you by Flipkart Finance Pvt Ltd (FFPL) along with our Co-lending partners. There are 3 key offerings:

Pay later

  • Sanctioned credit facility that allows you to shop throughout the month and pay via a single bill on the 5th of the following month
  • You can do multiple transactions in a month within the limit assigned
  • It is an interest free credit facility.
  • For detailed pricing policy / schedule visit: Interest Rate Policy
  • Multiple loans can be allowed, within the limit assigned

Pay in three

  • This facility allows you to make purchases by making one Down Payment of 33% with the remaining balance repayable in two equal monthly installments
  • It is a zero interest loan
  • For detailed pricing policy / schedule visit: Interest Rate Policy
  • First EMI will be due on the 5th of the following month. (if availed before 18th of the current month)
  • Foreclosure option available

Pay later EMI

  • This offering allows you to purchase via EMI across various tenures - 3,6,9,12 months
  • In case no cost EMI is not applicable on the product selected, customers’ needs to pay interest (interest rate - 18% to 28%)
  • One time processing fee is applicable
  • Foreclosure option available

You can sign up for Flipkart Pay Later offerings to get instant credit, via a completely digital process, on the Flipkart app.

Complete the one-time setup process, which should take less than 2 minutes.

Step-by-Step Setup

  • Login to Flipkart – Open the Flipkart app or website and sign in with your account.

  • Navigate to Pay Later – Go to My Account – Flipkart Pay Later section.

  • Eligibility Check – Enter basic details for bureau check as per underwriting policy. Flipkart will run a quick eligibility check based on your credit profile.

  • Complete KYC Verification – Provide Aadhaar/PAN details. & Verify via OTP or DigiLocker (mandatory for document authentication).

  • Accept Terms & Conditions – Review the Interest Rate Policy and fee structure & agree to the terms to activate the service.

  • Activation Confirmation – Once approved, you’ll receive a confirmation message & your Pay Later limit will be displayed in your account.

  • Start Using Pay Later – At checkout, select Flipkart Pay Later as your payment option.

Once the setup is complete, you can avail Flipkart Pay Later payment option during checkout on Flipkart.

Applicants need to have a Flipkart account with a verified mobile number, aged between 18 to 59, with a valid permanent account number (PAN) card, bank account, CKYC registration or Digi-locker registration. Further, eligibility is decided based on information already available with Flipkart and your credit bureau history.

Yes, Loan availed from Flipkart Finance Private Limited will reflect in your credit history/report as a consumer loan.

As per RBI guidelines, any individual availing a credit product from a financial institution must complete a Know Your Customer (KYC) process to verify their identity.

To provide you with a credit facility, FFPL requires you to complete the KYC requirements through the following options in the order below:

- CKYC (Central KYC Registry)

- Digi Locker (linked to Aadhaar)

This ensures compliance with regulatory standards while enabling a seamless, paperless digital onboarding experience.

Charges and fees related to Flipkart Pay Later products are published in detail on their official website www.flipkartfinance.com. For the complete breakdown across different products, you can directly access the official document here: Interest Rate Policy

Pay by date is 5th of every month

Pay Later:

All purchases done till the month end will be billed on 1st calendar day of the following month, and the due date will be 5th of the month.

Example:
All purchases done till 31st May 2026 will be billed on 1st June 2026 and the due date will be 5th June 2026.

Pay in three & Pay Later EMI:

For loans availed on or before the 18th of the month, the first EMI will be due on the 5th calendar day of the following month.

For loans availed after the 18th of the month, the first EMI due date will be the 5th calendar day of the month after the following month.

Example:

Loan Disbursement date

EMI Due Date

17th March 2026

5th April 2026

20th March 2026

5th May 2026

  • Repayment schedule in KFS denotes the EMI payment details. KFS is sent to you through SMS post availing loan.
  • SMS notification is triggered before mandate presentation.
  • You can also view your loan due amount in:

    - Flipkart cockpit under Flipkart Pay Later
    - Flipkart Finance Private Limited website www.flipkartfinance.com

Full Refund: If the refund covers your entire balance, your loan will be cancelled. Your credit limit will be restored in the following month only in case of Flipkart Pay Later.

Partial Refund: If the refund is less than what you owe, it will be applied to your oldest outstanding transaction first. Your remaining balance or loan tenure will be adjusted accordingly.

Foreclosure is a capability which enables you to close the loan earlier than the loan tenure. Once the complete payment of the foreclosure amount is done, the loan will be closed.

Connect customer care through the official Flipkart Finance support channels, such as:

About Flipkart Finance Private Limited (FFPL)

Flipkart Finance Private Limited (FFPL), a subsidiary of the Flipkart Group, is a non-banking financial company (NBFC) registered with the Reserve Bank of India (RBI). FFPL is dedicated to making financial services more accessible and convenient for millions of customers across India. With its core offering of consumer durable loans, branded as Flipkart EMI, FFPL empowers shoppers on the Flipkart platform to make purchases and pay in easy, hassle-free monthly instalments. By providing clear, transparent billing and flexible repayment options, FFPL aims to build a trusted relationship with its customers while contributing to the growth of India’s digital commerce ecosystem.

Learn more