E-commerce Loan upto ₹ 2 Lakh for 62 days to 15 months at 0 - 2.49% p.m.


Latest Version

Apr 1, 2021
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KrazyBee Credit Platform Buy Now Pay Later APP

Loan amount: From ₹1,000 to ₹200,000
Interest rates: From 0% to 29.95% per annum
Tenure: 62 days to 15 months

KrazyBee is India's Largest Credit Platform that helps you to Buy Now Pay Later via a flexible monthly payment plan. With an EMI option, it is our endeavor to bridge the gap between financial constraints and dreams. The best part is that you need not have a credit card to make a purchase via KrazyBee.

KrazyBee is a platform facilitating the loan transactions between the borrowers and the NBFCs/Banks. All loan applications are approved and sanctioned by NBFCs/Banks registered with RBI and communicated upfront during Loan application.

One of our primary partner NBFCs - Krazybee Services Private Limited is a Systemically Important NBFC within the group companies carrying the KrazyBee brand.

We offer E-commerce Loans which enable you to make online purchases on e-commerce platforms. Clothing, accessories and latest electronic gadgets – they are now at the fingertips.

E-commerce Loan example:
Loan amount: Rs. 20,000
Tenure: 6 months
Interest Rate: 9% per annum
Processing Fee: Rs. 0
GST on Processing Fees: Rs. 0
Total Interest: Rs. 528
EMI: Rs. 3,421
APR: 9%
Loan amount is Rs. 20,000. Disbursed amount is Rs. 20,000. Total loan repayment amount is Rs. 20,528


a. Hassle-free financing with doorstep delivery of products
b. Buy now, pay later in easy EMIs
c. Partnerships with leading brands

Benefits & Risks
1. Get access to higher amounts and tenures by repaying on time
2. As compliance requirement your payment behaviour is shared with credit rating agencies; based on your payment behaviour your credit score may increase/decrease


1. You must be between 18 - 25 years of age
2. You must be a resident of India and holding valid ID and Address Proofs.
3. You must have a valid PAN

How it works

a. Download the KrazyBee App
b. Upload verification documents
c. Complete a one-time video verification and sign the loan agreement online
d. Share the product from your e-commerce platform to the KrazyBee app, or select the item you want to purchase directly on the KrazyBee app
e. Make a minimal down payment once your order is approved

Amount, Tenure, Fees and Charges

Loans range from ₹1,499 to ₹50,000 with payment tenures of 3 to 12 months. Interest rates range from 0%-36% with equivalent monthly interest rate of 0%-3% only. A small processing fee is charged for the loans which ranges from 0.1%-5% of the principal. The charges and repayment tenures vary based on the risk profile of the users.
Penalty is charged only when someone delays their scheduled payment.

The APR for different products is separate as per the risk profile of the customers. The APR for loan products: low risk customers is 18%-24%, medium risk customers is 24%-38%, high risk customers is 30%-40%* and very high-risk customers is 36%-66%*.

In addition to it, GST will be applicable only on the fee components as per Indian laws.

*The higher charges are only for loans of lower amount and lower repayment tenure.

Contact Us

For any support - Call us at 08044292222 or email at care@krazybee.com

16/3, Adarsh Yelavarthy Centre, opp to Frank Anthony School, Cambridge Layout, Jogupalya Bangalore Karnataka 56
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