Snapmint- CardlessEmi

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Shipment and EMI payments

Your order is blocked as soon as you make a downpayment. However, your order is shipped once we receive your KYC documents and scan/ picture of your NACH mandate
As a part of your EMI application, we ask you for bank details which we use to create your NACH/ECS mandate. By virtue of the NACH mandate, your bank will auto-debit your EMI and remit the same to us
NACH is the new word for ECS (it stands for “National Automated Clearing House” which is the way banks move money around in India).
NACH / ECS is a mandate from you, telling your bank to make regular monthly payments on your behalf.
Once setup, it is an easy automatic, way to make your EMI re-payments, giving you peace of mind every month.
Yes we will communicate to you via an Email and SMS before the payment due date, so that you can maintain sufficient balances in your account

Documentation and Approvals

We have developed a secure and reliable ‘Data Analytics Program’ based on over 2000 data points that are not limited to your credit history. This enables us to assess your credit application within minutes and offer you fairly priced EMI options, based on the information provided by you. The more details you provide in the form, better our offerings will get.
Yes. It is a mandatory step for verification and eligibility check that we perform on behalf of our Financing Partners. This may have a minor impact on your CIBIL score.
We may decline your application if we are unable to verify the information provided by you or if your profile does not match the requirements of our financing partners.
Making the down-payment will block your order with the partner merchant while we process your EMI application.
Address Proof And PAN Card

NACH is the new word for ECS (it stands for “National Automated Clearing House” which is the way banks move money around in India).
NACH / ECS is a mandate from you, telling your bank to make regular monthly payments on your behalf.
Once setup, it is an easy automatic, way to make your EMI re-payments, giving you peace of mind every month.

Once you make the downpayment, we will email you a copy of your NACH mandate which you need to sign and upload it.
Following options are available for you to provide us with an NACH mandate:
Option 1-> Take a clear print out and scan/take a picture of the document and email it to us on care@snapmint.com or whatsapp to us on. Please do not use flash. The documents is auto read so please ensure a clear scan/ picture
Option 2 -> Arrange for a pickup in next 24-48 hours from your residence. This facility is currently available only in Mumbai, Delhi NCR, Bangalore, Pune, Surat, Vadodara, Ahmedabad

In case due to any circumstances, we are unable to process your EMI application, your downpayment will be refunded in full including any processing fees. The refund will be reflected in your account within 5-7 working days.

Perfios is a partner to over 50 banks for securely accessing your bank statements. Neither Perfios nor Snapmint store your credentials.

In case you are having difficulties uploading your bank statements on Perfios, please email us your bank statement on care@snapmint.com. Your approval in this case may take 1 working day

Interest Rates and Fees

Our financing partners offer EMIs ranging 12% to 36% rate of interest.
Some of our partner merchants offer 0% rate of interest as part of their promotional schemes. Your interest payment in these cases is subsidized by the merchant or the manufacturer of the product. (View the list of merchants offering 0% Interest rate).

We may sometimes charge you a processing fee. This again varies from merchant to merchant and product to product. However, such fees are displayed when you choose a payment plan. There are no hidden charges associated with Snapmint EMIs. Delivering transparent and fair financing option is one of our founding principles

About Snapmint

At Snapmint, our mission is to help consumers access easy finance options, so that you can reach for more. Snapmint provides shoppers with absolutely transparent, fairly priced EMI options tailored to your requirements, when you need it, where you need it. It does not matter whether you have credit history or a credit card. We believe you are much more than your credit score.
No. We partner with reputed financial institutions to provide you with instant credit.
  • Its instant. No waiting for days to know if your loan application has been approved.
  • No requirement of credit card or previous credit history
  • Flexible EMI options
  • No hidden charges and transparent pricing
  • You can apply for an EMI from the checkout page of our merchant partners
  • Alternatively, you can visit www.snapmint.com and copy+paste the URL of the product you want to buy. We will confirm your order to the merchant on your behalf.

In both cases, you only need to provide us with a few details about yourself. We will perform a realtime risk analysis to provide you with an instant approval. Following your approval all you have to do is make the downpayment and upload pictures/scans of required documents. Your order is confirmed to the merchant as soon as we receive your documents.