ZAVO: Helping You With EMIs

Zavo helps you deal with EMIs when money feels tight.

Salary delays, unexpected expenses, or a rough month can make EMIs hard to manage. Zavo is built for those moments.

Over 10 lakh people across India use Zavo to get EMI relief, settle loans, and stay in control without confusion or pressure.

EMI Relief That Gives You Options
When paying the full EMI isn’t possible, Zavo helps you choose smarter alternatives.

•⁠ ⁠Skip an EMI when you need short term breathing room
•⁠ ⁠Pay a partial EMI instead of missing it completely
•⁠ ⁠Use a top up loan to clear your existing dues and repay the amount in easy EMIs.

No guesswork. No panic decisions. Just practical options.

Loan Settlement
If your loan has gone overdue, Zavo helps you close it the right way.

•⁠ ⁠No settlement fees
•⁠ ⁠No agents or middlemen involved
•⁠ ⁠Direct, transparent settlement process

You deal with the outcome, not layers of intermediaries.

Repayments Made Simple
Zavo also brings all your regular payments together in one place.

•⁠ ⁠Pay EMIs, credit card bills, and utility bills securely
•⁠ ⁠Earn guaranteed cashback as Coins on every repayment
•⁠ ⁠Track all payments and rewards in one clean dashboard

Credit Builder Membership

Build or repair your credit score with Zavo’s Credit Builder Membership — a guided program that helps you create a positive repayment history and strengthen your credit profile.

What You Get:
•⁠ ⁠Credit Builder Loan of ₹500 for 3 months
•⁠ ⁠Repay in easy EMIs of ₹210/month; total ₹630 (₹500 principal + ₹130 interest)
•⁠ ⁠Each payment is reported to credit bureaus to help you build your score
•⁠ ⁠Free credit report and updated credit score
•⁠ ⁠Personalized credit analysis video explaining your report in simple terms
•⁠ ⁠Expert consultation to understand your credit health
•⁠ ⁠Actionable tips and tricks to reach and maintain a 750+ credit score
•⁠ ⁠Learning modules on responsible credit behavior and financial discipline

Loan Details:
Loan Amount: ₹500
Tenure: 3 months
APR: 104% (short-term credit builder plan)
Total Repayment: ₹630 (₹500 + ₹130 interest)

Eligibility:
Indian citizen aged 18 or above
Valid PAN and KYC required
This membership is ideal for users new to credit or those rebuilding their financial track record after past defaults.

Instant Personal Loans

Need quick funds? Apply directly in the app.
Loan range: ₹10,000 to ₹5 lakh
APR: 10% to 36% per annum
Tenure: 6 to 36 months
100% digital process — no paperwork or branch visits
Example: ₹50,000 at 12% for 12 months → EMI ₹4,441 • Total ₹53,292
Lending Partner: Padmalaya Finserve Private Limited (Registered NBFC)
T&Cs apply. Loans are subject to eligibility and KYC as per RBI norms.

Zavo Mall – Shop Vouchers and Save More

Zavo Mall lets you turn your rewards into real savings.
Redeem Zavo Coins for top-brand vouchers from Myntra, Swiggy, Amazon, Flipkart, and more.

Zavo Mall is partnered with 200+ leading brands, giving users access to premium products and vouchers at the best prices.

With Zavo Coins, you can purchase vouchers or products at discounted rates directly from your favorite brands — making every repayment more rewarding.

Why Choose Zavo

✅ Trusted by 10+ lakh users across 2,600 cities
✅ Backed by regulated NBFC partners
✅ 100% secure and RBI-compliant
✅ Transparent, paperless process
✅ No hidden charges

Your Data, Your Control

Zavo never shares personal data without consent.
All information is encrypted and handled under RBI-approved standards.

Permissions Used:
Location – fraud prevention
SMS/Phone – repayment linking & reminders
Camera – KYC & verification

Disclaimer

Zavo is a financial marketplace offering repayment, rewards, and credit improvement services with regulated NBFC partners. Loans and credit builder programs are powered by Padmalaya Finserve Pvt. Ltd. All lending is subject to verified KYC and credit assessment.

📲 Download Zavo today & take control of your financial journey! 🚀