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Maximise your savings on electronics by combining the best deals.
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Apply for the loan to get in-store offers
Your total savings will be calculated after your final loan offer gets approved.
Enjoy exclusive deals from your nearest dealer when you purchase on Easy EMIs, including:
• Dealer cashback offers
• Dealer vouchers
*Terms and conditions apply -The offer is solely brought to you by a Third Party Entity and BFL holds no warranty and is not a representative of either of the offer or of the products / services made available to you by any Third Party Entity
Access exclusive deals from top brands when you shop on Easy EMIs:
• Brand cashback offers
• Brand vouchers
*Terms and Conditions - The offer is solely brought to you by a Third Party Entity and BFL holds no warranty and is not a representative of either of the offer or of the products / services made available to you by any Third Party Entity
Benefit from exclusive offers as a valued Bajaj customer:
• Cashback offers
• Voucher offers
• Bajaj Coins
Additionally, redeem your existing Bajaj Coins and vouchers while purchasing your product.
Special EMI schemes available on purchasing products on Easy EMIs with Bajaj Finserv
Complete all the milestones listed below to get assured rewards*
Personal Details
125
Identity Verification
125
Loan Offer
125
Brand and Centre Selection
125
Rewards won will be credited to your Bajaj Pay Wallet only after loan disbursal*
1 million+ products | Quick approval | Hassle-free documentation
Get Instant Approval with EASY EMI Loan
Loan of up to Rs. 5 lakh
Secure a substantial loan amount of up to Rs. 5 lakh and purchase the appliance of your choice.
Repay on Easy EMIs
Spread the cost of your appliance over Easy EMIs, making it easier on your pocket.
Flexible tenure options
Select a repayment tenure ranging between 3 to 60 months based on your financial situation.
Quick approval
Whether you're purchasing a high-value home appliance or the latest smartphone, you can get instant approval and view your loan limit in just a few clicks. Then, head to the partner store to make your purchase.
Wide accessibility
Shop from 1.5 lakh+ Bajaj Finance partner stores across 4,000+ cities and choose from a wide range of products, including electronics, appliances from trusted brands.
You can apply for an Easy EMI Loan if you meet the eligibility criteria outlined below. This can help you secure a loan of up to Rs. 5 lakh, making high-value purchases more affordable. Once you meet the consumer loan eligibility, you must submit the required documents to check your approved loan limit.
Eligibility and requirements for Easy EMI Loan
Eligibility criteria:
Nationality: Indian
Age: 21 to 70 years**
Employment type: Salaried or self-employed
Employed with: Public, private, or MNC
CIBIL Score: 650 or higher
*at the time of loan application
** at loan maturity
Documents required:
*You should be 70 years or younger at the time of loan application
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An Easy EMI Loan offered by Bajaj Finance, also known as a consumer durable loan, lets you buy electronics like ACs, TVs, and washing machines in fixed monthly instalments. With a flexible tenure of up to 60 months, you can spread the cost and make high-value purchases more affordable.
The loan amount is determined based on the customer's credit bureau history and Bajaj Finance internal assessment. Factors such as credit score, repayment history, and financial profile influence the approved loan amount, ensuring a customised financing solution that meets individual eligibility and borrowing capacity.
Individuals who meet the following criteria are eligible to apply for an Easy EMI Loan:
*at the time of loan application
** at loan maturity
A minimum CIBIL score of 650 or higher is required for an Easy EMI Loan. However, customers with no credit history may also be eligible based on Bajaj Finance risk policy, ensuring flexible financing options for first-time borrowers.
The starting EMI amount may be Rs. 999 per month and which may vary based on various parameters such as product selected, scheme etc. This allows you to purchase electronics without burning a hole in your pocket. With flexible tenure options ranging from 3 to 60 months, you can easily manage repayments while enjoying your desired electronics without financial strain.
You can check your remaining EMI balance on the Bajaj Finance app under the ‘Relation’ section. Additionally, you can download your Statement of Account (SOA) from the app for a detailed breakdown of your loan and repayment details
To apply for an Easy EMI Loan, you need to provide the following documents:
PAN card
Aadhaar card number
Banking details
These documents help verify your identity and financial details, ensuring a smooth loan approval process.
If you fail to make an EMI payment, bounce charge and penal charge will be applied. Additionally, it can negatively impact your CIBIL score, affecting your future credit eligibility. It is advisable to make timely payments to maintain a good credit history and avoid additional charges
Yes, EMI payments are a convenient way to purchase high-value products without financial strain. They allow you to spread the cost over manageable monthly instalments, making it easier to budget expenses. Additionally, timely EMI payments help build a strong credit history and improve your CIBIL score.
You can check your repayment schedule on the Bajaj Finance app under the 'Relation' section. Simply navigate to the section and download your repayment schedule from there for easy reference.
A minimum CIBIL score of 650 is required for an Easy EMI Loan. However, customers with no credit history may also be eligible based on Bajaj Finance risk policy, ensuring flexible financing options for first-time borrowers.
You can pay your EMI through various methods, including the Bajaj Finance app, net banking, debit cards, UPI, or auto-debit from your registered bank account. Choose a convenient payment mode to ensure timely payments and maintain a good credit history.
The down payment requirement depends on the product you choose. Some products are available with zero down payment, while others may require a minimum down payment. Check the specific product details and financing options to determine if a down payment is needed.
With Bajaj Finance, you can choose a flexible loan tenure ranging from 3 to 60 months to repay your Easy EMI Loan. This allows you to select a repayment period that best fits your financial situation while purchasing the electronic item of your choice.
You can apply for an Easy EMI loan, also known as a consumer durable loan, online in just a few simple steps:
Individuals who meet the following criteria are eligible to apply for an Easy EMI Loan:
*at the time of loan application
** at loan maturity
To apply for an Easy EMI Loan, you must be between 21 to 70 years of age. The consumer durable loan eligibility also depends on other factors like employment type, income, and credit score, ensuring that you meet the necessary requirements to avail of the loan.
*at the time of loan application
** at loan maturity
If your loan application is rejected, you can reapply after one month from the rejection date. It is advisable to review your credit score and financial profile before reapplying to improve your chances of approval.
The company has a board approved cancellation policy that lets customers cancel their loan within the free-look period. During this time, you can cancel without any penalties.
