Shop today.
Pay in easy EMIs.
Get a FINEXA credit line and your own FINEXA Card. Pay at partner stores online or in-shop, then split the bill into 3, 6, 9 or 12 monthly instalments.
From sign-up to shopping in 4 steps
Everything happens online. There’s no paperwork and no branch visit.
Create account
Sign up with your email and mobile and verify your email.
Apply in 3 minutes
Enter your PAN, address and income, and see your pre-qualified limit instantly.
Get your card
Once your KYC is verified, accept your offer. Your virtual card is ready straight away.
Shop & split
Pay with FINEXA and choose 3, 6, 9 or 12 monthly EMIs.
One card. Online and in-store.
Your FINEXA Card works only within the FINEXA network, so it’s safer by design. You control it from your account.
Pay online
Choose “FINEXA EMI” at checkout. Pay with your card and PIN, or your registered email/mobile and a one-time code.
Pay in shops
Show your physical card. The shop enters the amount, and you enter your PIN and pick your EMIs.
Always in control
Set your PIN, freeze the card, and switch online or in-store use on and off. The card locks after 3 wrong PINs.
EMI calculator
Move the slider or type an amount.
Includes interest and a processing fee (plus GST) added to the first EMI. Subject to credit approval.
Pay your way
The same credit line works whether you shop online or in a shop.
💻 Online stores
At any FINEXA partner website:
- Choose FINEXA EMI at checkout
- Enter your card and PIN, or your email/mobile and a code
- Pick your EMI plan and confirm
🏪 Partner shops
At the shop counter:
- Show your FINEXA Card
- The shop enters the amount on its FINEXA terminal
- You enter your PIN and choose your EMIs
Add FINEXA to your business today
Sell more with EMI checkout. You get paid daily and FINEXA carries the credit risk.
WooCommerce
Install our plugin and paste your key. Live in minutes.
Any website
Use the REST API, webhooks and an EMI price badge for product pages.
Payment links
No website? Send a payment link by email or WhatsApp.
In-store terminal
Accept the FINEXA Card at your counter from your dashboard.
Transparent. Secure. Fair.
No hidden charges and no surprises.
Key Fact Statement
Interest, fees and APR are shown before you commit.
Cooling-off period
Exit a purchase loan within 3 days with no penalty.
Bank-grade security
Encrypted data, PIN lockout and full audit trails.
Real support
A named Grievance Officer and RBI Ombudsman escalation.
Frequently asked
Who can apply?
Indian residents aged 21–60 with a regular income. Apply in about 3 minutes and see your pre-qualified limit straight away.
How much does it cost?
Interest is 24% p.a. on a reducing balance, plus a 2% processing fee (with GST) per purchase. The exact EMI, total cost and APR are shown before you confirm. There are no joining or annual fees.
When does my EMI start?
When the store ships your order, or straight away for in-store purchases. If a product is returned, your loan is reduced automatically.
Can I pay off early?
Yes, at any time and with no foreclosure charge. Interest is charged only up to the day you pay.
Is the FINEXA Card a credit card?
No. It’s a closed-loop card linked to your FINEXA credit line, usable only on FINEXA checkout pages and at FINEXA partner shops.
Ready to shop smarter?
Check your limit in 3 minutes. It’s free and there’s no obligation.
Lender: [FINEXA NBFC legal name], a Non-Banking Financial Company registered with the Reserve Bank of India (CoR No. [number]). Funding partner: Capital Small Finance Bank Limited. The FINEXA Card is a closed-loop credential for your FINEXA credit line, usable only at FINEXA and FINEXA partner merchants. It is not a network credit or debit card. Credit is subject to eligibility and the lender’s credit policy. See Fees & Disclosures · Grievance Redressal.