ZestMoney is a digital lending platform based in India that offers flexible, convenient, and affordable credit solutions. The company operates in the financial technology (fintech) market, providing an alternative to traditional banking services. It primarily serves customers who may not have a credit score or access to credit cards, enabling them to make purchases and pay in installments over a period of 3, 6, 9, or 12 months.

The business model of ZestMoney is centered around providing credit to customers for their purchases at over 100,000 offline and 15,000 online stores. Customers can download the Zest app, complete their profile, and discover their credit limit. They can then use ZestMoney to make payments, breaking down larger amounts into smaller, manageable installments. The company emphasizes transparency, with no hidden charges, processing fees, or additional costs.

ZestMoney makes money by charging interest on the credit it provides, although it offers a 0% interest rate on certain offerings and the Pay-in-3 option. The company has been recognized as a Great Place to Work (GPTW) for two consecutive years, indicating a strong company culture and employee satisfaction.

In summary, ZestMoney is a fintech startup that provides accessible and transparent credit solutions, enabling customers to manage their finances more effectively and shop without the need for a credit card or a high credit score.

Keywords: ZestMoney, fintech, digital lending platform, credit solutions, installment payments, no credit score, no credit card, transparent charges, Great Place to Work, Indian market.