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
The journey of EasyEMIs
- Unbilled EMIs We started with EMIs that gave you the flexibility to convert any unbilled transaction of over ₹2,500
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.
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.’
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.
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.
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 EMIWe brought the flexibility of EMIs right at the tap of your card. What better time to launch than during the Diwali month?
We brought the flexibility of EMIs right at the tap of your card. What better time to launch than during the Diwali month?
TNPL became the second nature for our tribe
"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.'
- Nilesh K.
"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.
What’s next?
We're not done simplifying EMIs. Our roadmap is filled with exciting features that will make managing your finances even simpler. Stay tuned!
