zavo is India’s trusted financial empowerment platform to help you borrow smarter, manage credit efficiently, and achieve financial stability while earning rewards all in one place. Need quick funds, want to monitor and improve your credit score, or require expert debt advice? zavo has you covered!

Track & Manage Loan & Credit Card Payments
✅ Easy Loan & Credit Card Repayments: Never miss a due date
✅ Smart Payment Reminders: Avoid penalties & late fees
✅ Pay securely: hassle-free payments to any lender or bank
✅ Track & Improve Credit Behavior: Build disciplined credit habits
✅ Earn Rewards & Cashbacks: Get up to 5% cashback on bill payments and EMIs

Missed EMI? Use Zavo Protect & Breathe Easy
Unexpected emergency? Salary delay? Medical issue?
Zavo Protect gives you a legal way to skip or split your EMI without penalties or harassment.

✅ With Zavo Protect, you can:
✅ Skip this month’s EMI
✅ Split EMI into smaller parts
✅ Combine 2 months’ EMIs for later payment
✅ Coverage for up to 5 loans

Perfect for:
Anyone who wants to avoid late fees, credit score drops, or recovery calls just because life happened.

Boost Your Credit Score to 750+ with Credit Builder Membership
Zavo’s Credit Builder Membership helps you build or repair your credit score and unlock better opportunities. Unlike regular loans, it builds repayment discipline through small, regular payments—improving your score even from zero.

WHAT’S INCLUDED IN THE MEMBERSHIP?
✅ Expert Consultation: Learn to maintain a 750+ score
✅ Report Analysis: Personalized video of your latest credit report
✅ Credit Builder Loan*: ₹500 loan, repayable in easy ₹210/month EMIs
✅ Expert Lessons: Master credit scores with exclusive lessons

Credit Builder Loan Details:
₹500 short-term personal loan, APR 104%, tenure 3 months
Total Interest: ₹130
EMI: ₹210/month
Total Repayment: ₹630
ELIGIBILITY
✅ Indian National 18+

Our Lending Partners:

Struggling with debt? Get Expert Loan Settlement Assistance
Get expert loan settlement assistance:
Negotiate lower repayment amounts
Structured plans for long-term stability
Expert guidance to regain control & achieve freedom

Get Instant Personal Loans Anytime, Anywhere!
✅ Apply for personal loans from ₹10,000 to ₹5,00,000
✅ 100% digital & paperless process.
✅ Quick approvals based on your credit profile
✅ Flexible repayment tenure from 6 months to 36 months
✅ No collateral required.
✅ Competitive APR from 10% to 36% per annum

Loan Information
✅ Lending Partner: Padmalaya Finserve Private Limited (Padmalaya)
✅ Loan Amount: ₹10,000 to ₹5,00,000
✅ Repayment Tenure: 6 months to 36 months
✅ Annual Percentage Rate (APR): 10% to 36% per annum
✅ Representative Example:

Principal Amount: ₹50,000
Tenure: 12 months
Annual Interest Rate: 12% per annum
Monthly EMI: ₹4,441
Total Interest Payable: ₹3,292
Total Repayment Amount (Principal + Interest): ₹53,292

Why choose zavo?
✅ 100% Digital & Paperless: No branch visits, no waiting
✅ Gamified Credit-Building Experience: Make financial growth engaging
✅ Secure & Private: End-to-end encrypted transactions
✅ No Hidden Charges: 100% transparent loan terms
✅ User-Friendly Interface: Simple navigation & smooth processing

Permissions Required for a Secure Experience
✅ Location: Required to verify identity and prevent fraud
✅ Phone Access: Needed to link your number to your zavo account
✅ SMS Access: Helps track expenses, verify transactions & set reminders
✅ Camera Access: Required for scanning QR codes & identity verification

Disclaimers:
zavo is a financial marketplace offering loans, credit score improvement & debt settlement with regulated lending partners. Not a bank; loan approvals depend on partner eligibility and credit checks. All lending by Padmalaya Finserve Private Limited.

? Download zavo today & take control of your financial journey! ?