New No CIBIL. No Extra Docs. Just Aadhaar & PAN Card.

Buy Your Dream Smartphone Today
Pay ın Easy EMIs

Buy your dream smartphone today and pay in easy EMIs — no CIBIL check, only Aadhaar and PAN. Available at partner stores across India.

100% Digital Process
No Paperwork Required
1.3Lac+
Happy Customers
Available Across India
Pan-India Support Network
✧ No Extra Documents Required ✧ Only Aadhaar Card and Pan Card ✧ No Cibil Requirement ✧ No Area Limits
✧ No Extra Documents Required ✧ Only Aadhaar Card and Pan Card ✧ No Cibil Requirement ✧ No Area Limits
MOBILE FINANCING SIMPLIFIED

Your Financial Friend

Our platform gives mobile dealers access to sell mobile phones on EMI even to NTB (New To Bureau) and Negative CIBIL Score customers. Our core mission is that every hand should own a smartphone. We empower you to provide EMI to every type of customer base, seamlessly securing devices against defaulters while eventually increasing your sales and profit margins exponentially.

No CIBIL Required

Only Aadhaar Card &
PAN Card

No Area Limits

Why choose EMI Club?

01

No CIBIL Required

Even if you have low or no credit score, you can still get a smartphone on EMI.

02

Minimal Documents

Only Aadhaar Card and PAN Card needed. No salary slips or bank statements.

03

Instant Approval

Get instant approval and take your phone home the Instant.

04

Flexible EMI Plans

Choose EMI plans that fit your budget. Weekly, monthly options available.

05

Wide Range of Phones

All top brands available — Samsung, Vivo, Oppo, Realme, OnePlus and more.

06

Secure & Safe

100% digital and secure process. Your data is fully protected.

For Store Owners

Grow Your Mobile Store Revenue by 3X

Join 500+ dealers already earning more with The EMI Club's self-financing platform.

  • ✧ Sell to customers with any CIBIL score
  • ✧ Earn heavy margin on every EMI sale
  • ✧ More than just phone margin — earn on financing too
  • ✧ Simple app to manage all your customers
  • ✧ Automatic EMI collection via mandate
  • ✧ Device Restriction for defaulters — full protection
  • ✧ Real-time dashboard to track all loans
Proven Results

Our Numbers Speak for Themselves

Market Impact
150,000+

Smartphones Financed

Network
1900+

Dealer Partners

Rapid Expansion

Scaling digital finance across India's tier-2 and tier-3 cities.

Financial Reach
₹260Cr+

Total Loans Disbursed through our partner network.

Efficiency
Instant

Average Loan Approval Time. Instant processing for your customers.

Support

Frequently Asked Questions

What documents do I need?

Only Aadhaar Card and PAN Card.
No other documents required.

Will my CIBIL improve?

Yes. Paying your EMIs on time can help
improve your CIBIL score over time.

How long does approval take?

Approval is instant.

What phones are available?

All major brands and models are
available at our partner stores.

What if I miss an EMI?

You will receive a reminder.
Continued non-payment may result
in device restriction.