We built EasyEMI because no one should need a magnifying glass to find hidden charges or big bills for their big dreams. Here's the story of building EMIs differently
Transparency
Making EMIs ‘easy’ was no easy task. We knew the pain points that already existed:
Hidden charges
Mountains of paperwork
Difficulty in tracking EMIs
But for us, transparency is non-negotiable. Everything a user needs to know about interests, charges, and taxes - should be shown upfront. That being said, showing everything on a screen could feel overwhelming. That’s how we landed on being ‘easy’.
Easy to track - All EMIs in one place
Easy to convert - Three clicks and you’re done
Easy to close - Do it right on the app, without hidden charges
EMI is a complex product. Explaining the calculations to the system is as hard as explaining them to the customers. Keeping our core value of transparency intact, we worked hard to explain the interests, taxes, and flows up front.
Engineering
Unbilled EMIs
We started with EMIs that gave you the flexibility to convert any unbilled transaction of over ₹2,500
Statement EMIs
Then, we moved ahead and gave our users the convenience of converting the whole statement into EMIs.
3-month no-cost EMI (domestic)
As travellers, this was our passion product - no-cost EMI on domestic flight and stay bookings. We called it ‘Travel Now Pay Later.’
Post bill EMIs
For those months when the statement seemed like a surprise, we launched this so that users could convert any transaction after the billing date into an EasyEMI.
6-month no-cost EMI (International)
We dreamed big and made international flight and stay bookings easy for you and your wallet with a 6-month no-cost EMI.
In-store EMI
We brought the flexibility of EMIs right at the tap of your card. What better time to launch than during the Diwali month?
"Usually, I book weeks in advance, but this time I needed to travel suddenly. Instead of draining my account, I took TNPL. It's so flexible, I'll use it regardless of the ticket price.'
"My salary was delayed, but I had to book flights for a family trip to Jammu. TNPL let me secure tickets for three people - a ₹58,000 booking - without stressing about my current bank balance."
- Aditya J.
"As an architect, I'm always dreaming of my next big trip - Europe, South America, you name it. Thanks to Scapia's TNPL, I turned my Bangkok dreams into reality. The no-cost EMI is brilliant! I'm already hoping for longer EMI options for those epic, budget-stretching adventures."
- Raghavendra T.
We're not done simplifying EMIs. Our roadmap is filled with exciting features that will make managing your finances even simpler. Stay tuned!
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