The partnership brings checkout credit to Flipkart, Myntra and Flipkart Minutes, with a particular focus on making formal credit more accessible to new-to-credit and thin-file consumers.

The way Indians shop has changed. Increasingly, so has the way they pay for what they buy.

Credit is no longer necessarily something that begins with a bank visit, a lengthy application or a separate financial decision. For a growing digital-first consumer, it can appear at the exact moment a purchase is being made—inside the same app, at the same checkout.

That shift sits at the centre of a new partnership between Finnable and Flipkart Finance, with Finnable joining Flipkart Finance as a co-lending partner for Flipkart Pay Later.

The partnership extends checkout financing across Flipkart, Myntra and Flipkart Minutes, bringing Finnable’s experience in underwriting new-to-credit and thin-file customers into one of India’s largest digital commerce ecosystems.

Credit, Where Shopping Already Happens

The proposition is built around a simple change in behaviour: consumers don’t necessarily want to leave the shopping journey to arrange financing.

Whether it’s a new phone on Flipkart, a wardrobe refresh on Myntra or everyday essentials through Flipkart Minutes, eligible customers can access financing of up to ₹1 lakh directly within the apps.

The programme is already live across India and, according to the companies, has seen strong early customer uptake.

For consumers, the larger appeal is flexibility.

Short-term credit can be repaid within 30 days, while Pay in 3 divides a purchase across three payments. For larger purchases, EMI options range from three to 12 months, covering categories such as mobiles, electronics and appliances.

The approval journey is also designed to happen within the app, with eligible customers able to receive approval within seconds.

The New-to-Credit Consumer

Perhaps the more significant part of the partnership is not simply the convenience of checkout financing, but who it aims to bring into the formal credit ecosystem.

India’s next generation of consumers includes people who may have limited or no traditional credit history. For lenders, that creates a different underwriting challenge—and an opportunity to use technology and alternative data-led approaches to understand consumers who may not fit neatly into conventional credit profiles.

Finnable brings experience in underwriting new-to-credit and thin-file customers, making that capability an important part of the partnership.

As Amit Arora, Co-Founder, Finnable, puts it:

“India’s next wave of consumers will meet credit where they already shop, not at a traditional bank branch.”

The statement points towards a larger evolution in consumer finance: financial products are increasingly being embedded into everyday digital behaviour rather than existing as separate destinations.

When Commerce and Finance Converge

The partnership also reflects how closely shopping and financial technology are beginning to intersect.

The checkout is no longer simply the final step of a purchase. It is becoming a space where consumers make decisions around affordability, timing and payment—and where financial products can become part of the shopping experience itself.

For brands and platforms, that creates a more seamless customer journey. For consumers, it potentially means greater choice at the moment they need it.

Finnable, founded by Nitin Gupta and Amit Arora, is a technology-led lending company offering personal loans, loans against property and consumer finance. Its approach combines data-driven underwriting with a focus on making credit faster and more accessible.

With the Flipkart Finance partnership, that philosophy moves directly into one of the country’s most familiar consumer behaviours: shopping online.

And as India’s digital consumer becomes increasingly comfortable with making everything—from a grocery order to a major electronics purchase—through a screen, the boundary between what we buy and how we finance it is becoming increasingly fluid.