Faq's

What is No Cost EMI?

No Cost EMI is an offer by which you pay your EMI provider only the product price, equally divided over your repayment timeline. For example, if you buy a INR 9,000 product at a 3 month tenure, you will pay your EMI provider INR 3,000 every month for 3 months, amounting to a total of INR 9,000*

Which payment methods can I use to get a No Cost EMI?

No cost EMI is available on credit cards from all major banks (Axis Bank, ICICI Bank, HDFC Bank, SBI, IndusInd Bank, Yes Bank, Kotak Bank, RBL, HSBC, Standard Chartered)

Are there any fees or down payment?

Loom&Needles will not charge any processing fees or down payment for these transactions. Your bank may levy GST or other taxes on the interest component of the EMI. Loom&Needles bears the cost of the EMI to facilitate your seamless purchase

Is No cost EMI available on all products on the site?

No cost EMI is available on all products on the website given that the cart value is more than INR 9,000

Will my bank continue to charge me interest?

Yes, your bank will charge you interest. However, this interest charge has been provided to you as an upfront discount at the time of your purchase, effectively giving you the benefit of a No Cost EMI*

How will my EMI be charged?

Your EMI provider will take 3-5 working days to process your EMI. Once done, your EMI will be charged on a monthly basis, as per your credit card billing cycle or payment instructions with your EMI provider. Please check with your provider for specific details.

What EMI periods can I choose?

For all orders worth between INR 10,001 and INR 20,000, the 3 month EMI option is available. For all orders equal to or more than INR 20,001, both 3 and 6 month EMI options are available

*Note: this excludes GST and other taxes that may be charged by your bank.

Your favorite mattress just became more affordable! Introducing the No Cost EMI offer on the whole range of Loom&Needles products. With No Cost EMI offer, you get:

Zero Interest charges!

Choice of 3 or 6 month EMI plans

Support for the following credit cards