You have landed on this post probably because the Flipkart Pay Later EMI option is not working for you. Well, there is no need to worry we will discuss all possible reasons why it is happening and also provide several solutions.
Flipkart Pay Later is a lending or say a monthly loan service provided by the shopping app Flipkart to its customers. Flipkart offers a credit line of up to ₹1 lakh to its customers based on their profiles. With this credit, they can purchase products and pay the bill on the 5th of the next month with any interest. Flipkart Pay Later also offers an EMI option just other credit cards and debit cards.
Through the Flipkart Pay Later EMI option, customers can buy selected products on Flipkart and Myntra and pay the total amount in easy EMIs. However, sometimes customers complain about this option not showing for them.
In this article, we will let you know why the Flipkart Pay Later EMI option not showing and how to solve this issue.
Why Flipkart Pay Later EMI Option Not Showing? (6 Reasons)
1. Low Credit Score
This is the basic reason why most customers face this issue. Credit Score as we know plays an important role in determining the lending criteria. Lenders who extend credit can assess your credit history and evaluate how effectively you handle your debts. As per some internal reports, for using the Flipkart Pay Later EMI option your credit score should be higher than 700. If your credit score is low then the Flipkart Pay Later EMI might not be available. So, always have a look at your credit score.
Solution: Improve your credit score by actively using credit services and clear the bill on time.
2. Product or Seller Restrictions
Some products or sellers on Flipkart might not provide the Pay Later EMI option. Verify if the item you’re buying qualifies for EMI payments.
Solution: During checkout, check for the “Flipkart Pay Later EMI” option on the product page. If it’s not there, you may choose a different product or reach out to customer support for help.
3. Have Pending Dues
If you have not cleared the balance and have pending dues your Flipkart account might not show the Flipkart Pay Later EMI Option. Users must clear all their pending dues to take the benefit of this amazing service. Moreover, pending dues also badly affect your credit score.
Solution: If you are using Flipkart Pay Later, it is strongly recommended to clear your dues on time. Always try to clear the previous month’s dues well before the due date i.e. 5th.
4. Eligibility Criteria for EMI Option
Flipkart Pay Later EMI option is accessible only when you meet certain criteria. it is mostly available to customers who have a good credit score, completed KYC, and a good purchase history. If you are unsure about your eligibility, please contact Flipkart’s customer support. Generally, this option is not available to customers who have multiple delivery addresses. So, it is always recommended to use an address where you have previously placed multiple successful orders.
Solution: To know if you are eligible or not, contact Flipkart’s customer support. They will check your account and let you know what steps need to be taken.
5. Not Using Flipkart Regularly
If you don’t utilize your Flipkart Pay Later for purchases, you might not have the option to use Flipkart Pay Later EMI as a payment method. Additionally, your Flipkart Pay Later account could be blocked if it remains inactive. So, if you have the Flipkart Pay Later service accessible, we recommend using it. However, you can unblock your Flipkart Pay Later account if it gets blocked.
Solution: Make more purchases as it will improve your credit score as well as your credibility. Frequent use of Pay Later will also improve your credit limit.
6. Technical Issue or Glitch
Sometimes technical issues occur in the app due to which this option becomes unavailable. Clearing your browser’s cache and cookies can help resolve this problem. Sometimes server and internet connection issues could be the reason.
Solution: Check your internet connection. At times, due to unnecessary cache, you might not see the Flipkart Pay Later EMI option. If you’re using the Flipkart website, clear your browser cache. In case you’re using the Flipkart app, clear the app cache.
If none of the above solutions work for you, please contact Flipkart customer care support. Their customer support executive can help you solve this issue.
To contact Flipkart customer support, dial 044 4561 4700 or email at email@example.com. You can also reach out to Flipkart via live chat on the Flipkart app or website.
Flipkart Pay Later EMI Option Not Showing – FAQs
Go through these frequently asked questions (FAQs) about Flipkart Pay Later EMI option:
1. What is Flipkart Pay Later (EMI)?
Ans. Flipkart Pay Later EMI option lets customers buy selected products on Flipkart and Myntra and pay the total amount in easy EMIs.
2. Is Flipkart Pay Later safe and secure?
Ans. Flipkart Pay Later is a secure way of transaction. The payment information is encrypted and kept safely.
3. Can I use Flipkart Pay Later for all purchases?
Ans. Flipkart Pay Later facility is not available for all purchases. It depends on the products as well as the sellers.
4. How can I place an order using Flipkart Pay Later (EMI) on Flipkart?
Ans. Follow these steps to place an order via EMI Option:
- Add desired items to your cart
- Click on “Checkout”
- Choose Flipkart Pay Later EMI as a payment method
- Select an EMI plan according to your choice
- Verify through OTP and click on “Confirm”
5. How to activate the Flipkart Pay Later EMI option?
Ans. There is no activating process for Flipkart Pay Later EMI Option. Users just need to ensure two things:
- The user is eligible to use the Pay Later EMI feature
- The product is eligible to be purchased under this option
We provided all the common reasons and solutions relating to why the Flipkart Pay Later EMI option is not showing on your account.
This issue can be resolved easily by checking the eligibility criteria, paying your dues, or clearing the cache/cookies of your device.