Welcome to Bajaj Insta Credit

Enjoy quick cardless checkout for all your favourite products on loan, including mobiles, laptops, lifestyle, two-wheelers, and much more!

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Benefits You Would Love
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Get shopping credit approval of upto ₹1 Lakh
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Easy No Cost EMI Options of upto 36 Months
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Zero Approval Fee. No Hidden Charges.
Quick Cardless Checkout
Choose The product you wish to buy
Select A suitable No Cost EMI plan
Submit Details Your basic details like delivery address, PAN, date of birth & get an instant loan amount
Done Order placed and get it delivered at your door step!

Top-selling Smartphones on Bajaj Mall

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Big on Entertainment. Big on SAVINGS.

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Big Buys @ Small EMIs

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Frequently Asked Questions
What is Bajaj Insta Credit?
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Bajaj Insta Credit is a new payment method in the form of loan exclusively available at Bajaj Mall. It allows you to shop your favourite products on No Cost EMI without any Debit card, Credit card, or EMI card.
What are the benefits of Bajaj Insta Credit?
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Bajaj Insta Credit comes with exclusive benefits such as: 1) Quick shopping credit approval of up to Rs. 1Lakh 2) No card required to buy a product on loan 3) Fast & Easy payments 4) Shop on 150+ Brands across 1Lakh+ stores in India 5) Attractive offers on your EMI options like Zero Downpayment, 1 EMI off, etc
Do I need Bajaj Finserv EMI Network Card to use Bajaj Insta Credit?
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No, you do not need Bajaj Finserv EMI Network Card to use Bajaj Insta Credit.
What all products can I buy with Bajaj Insta Credit?
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From watches to washing machines, furniture to fitness equipment, electronics to mattresses, you can buy anything and everything on Bajaj Insta Credit.
What documents do I need to submit to check eligibility for Bajaj Insta Credit?
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You need to fill in your basic details (PAN & DOB) to check your eligibility for Bajaj Insta Credit.
How do I check my eligibility for Bajaj Insta Credit?
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You need to select the product, click on Buy Now and enter your basic details to check your eligibility for Bajaj Insta Credit.
How to apply for Bajaj Insta Credit?
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You can apply for Bajaj Insta Credit in few simple steps such as: • Select a product & finance plan • Click on Buy Now • Enter your delivery address • Enter your basic details like PAN, DOB and enjoy a hassle-free credit experience
How long does it take to get eligible on Bajaj Insta Credit?
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Bajaj Insta Credit is a quick way to get loan for your favourite product. You can get approved on Bajaj Insta Credit in minimal time by providing your basis details (PAN & DOB) .
What should I do if I get rejected for Bajaj Insta Credit?
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If you get rejected for Bajaj Insta Credit you can visit the nearest Bajaj Finance Limited partner network store and check to complete your purchase post few eligibility checks on the store itself.
Why am I asked to visit the store to complete my purchase?
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You are asked to visit the store in either of following scenarios: 1. You have not completed the E-Mandate process. You can visit the store and complete the same. 2. Your documents don’t meet our eligibility criteria. You can visit the store with the KYC documents and complete your purchase. KYC documents include Aadhaar, Voter ID, Passport, Driving License, MGNREGA.
What is the processing fee if I buy a product on Bajaj Insta Credit?
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The processing fee may vary depending on the product you buy. You will get the processing fee details on the payment summary page during checkout.
How do I cancel a Bajaj Insta Credit order?
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To cancel any order placed on Bajaj Mall, please visit the ‘My orders’ section in your profile: 1. View the order you want to cancel 2. Click on the cancel button you see adjacent to that order 3. Select your cancellation reason and submit your request You can raise a cancellation request of your order only before the product is shipped/dispatched, provided that the cancellation option is available on that product. Our concerned team will review your cancellation request & update you on its status as soon as possible.
How do I return a Bajaj Insta Credit order?
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You can raise a request for return/replacements on bajajmall.in in “My Orders” section in the below sequence: My Orders >> Eligible Order >> Raise a Request >>Reason>>Submit Before raising a return request, you can contact the Seller and Seller shall arrange for a home pick up of the product to be returned from your delivery address. However, you need to ensure that the product is in the same condition as was received along with the invoice of the product and need to bear the return/replacement charges depending upon the Seller’s policy. Any products mentioned as “non-returnable” or “No Returns” or “No Replacement” on the Product page cannot be returned or replaced.
Can I get home delivery on Bajaj Insta Credit orders?
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Yes, you can. Provided: 1. Your delivery address is the same as your KYC documents (documents example) 2. Your E-Mandate registration is complete 3. The selected Seller offers home delivery service
What if I do not have a valid Address proof with me?
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If you do not have any valid Address proof from the list of documents mentioned at the time of checkout, then you can carry any local address proof to the nearest Bajaj Finserv Partner network store and complete your purchase. Documents: Aadhaar, Voter ID, Passport, Driving License, MGNREGA
When will my first EMI be deducted?
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The EMI due date depends on the date on which you buy the product. For example: • If you buy the product on 7th March 2022 (Before the 15th day of the month), the first EMI will be deducted on 02nd April 2022, • If you buy the product on 16th March 2022 (After the 15th day of the month), the first EMI will be deducted on 02nd May 2022. The exact Due date will be communicated in the Statement of Account & Welcome letter by E-mail.
What is E-Mandate & why do I require to complete E-Mandate?
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E-mandate is an online, one-time registration process of setting up a payment instruction to debit your verified bank account. In other words, you authorize Bajaj Finance Ltd. to debit your bank account towards EMIs/recovery of loan amount automatically.
What are the benefits of the E-Mandate?
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The benefits of E-Mandate are as follows: • You don’t need to submit any physical documents while registering for e-mandate • Your EMIs will be auto-debited timely • You can manage loans more efficiently
Why am I approved for a lesser amount?
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There could be multiple reasons that you are approved for a lesser amount. It includes having too many payment obligations, failing to meet our eligibility criteria, delayed salary payments, applying for loans with other banks, etc.
My approved loan limit is more than my product price. Still, I can’t shop on Zero Downpayment. Why?
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As per our eligibility criteria and our internal policy, for specific customers, minimum downpayment must pe paid to buy the product.
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