#InstaOwn your dream jewellery
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#InstaOwnLoan Scheme – Frequently Asked Questions
Can I buy diamond jewellery on loan scheme?
Yes. You can purchase eligible Zen Diamond natural diamond jewellery through convenient EMI options offered by our financing partners.
Is loan scheme available on all diamond jewellery?
Loan scheme is available on most diamond jewellery, including rings, earrings, pendants, necklaces, bracelets, bangles, and men's jewellery. Availability may vary by product and financing partner.
What is the minimum purchase amount for loan scheme?
The minimum purchase value for loan scheme is Rs 1,00,000 and above.
Which partner offers loan on diamond jewellery purchases?
Zen Diamond offers loan scheme through our financing partner, Caprion Finance.
Can I use No Cost loan EMI?
Yes. Selected products may qualify for No Cost loan EMI during promotional periods. Please check current offers before completing your purchase.
What loan EMI tenure options are available?
Depending on the final purchase amount, you may choose from:
- 3 months
- 6 months
- 9 or 12 months, available in select cases
Will I be charged interest on loan scheme?
No interest is charged on 3 and 6 months tenures. Interest applies to 9 and 12 months tenures.
How do I choose loan EMI option during checkout?
Complete the loan scheme application form to get started. Our team will then contact you to collect the required details and share them with our financing partner for eligibility verification. Once approved, your EMI will be processed.
Can I prepay or foreclose my loan?
Yes. You can prepay or foreclose your EMI by contacting our financing partner directly.
Is there a processing fee for loan scheme?
No processing fee is charged on EMI purchases.
Are purchases under loan scheme covered under warranty and certification?
Yes. Jewellery purchased on EMI carries the same benefits as any regular purchase, including:
- Natural diamond authenticity
- Certification, where applicable
- Hallmarked gold
- Manufacturer warranty
- Zen Diamond Assurance
Can I combine loan scheme with ongoing offers or discount coupons?
No.EMI cannot be combined with ongoing offers or discount coupons.
Will my order be shipped before the EMI is completed?
Yes. Once we receive your Loan sanction letter, we will process your order and arrange handover or shipment, subject to completion of all required formalities.
Is my payment secure while using loan scheme?
Yes. All loan scheme transactions are processed through secure, encrypted payment gateways to keep your payment information safe.
Can I return or exchange jewellery purchased on loan scheme?
You may exchange or upgrade your product after all instalments have been paid in full & obtain no due certificate from Caprion Finance, subject to applicable terms and conditions. Buyback is available on loan scheme purchases once all instalments have been paid in full.
Can I purchase gold coins or gift cards using loan scheme?
No. Gold coins and gift cards are not eligible for purchase on loan scheme.
How can I check my loan eligibility?
Eligibility is determined by our financing partner. Select loan scheme EMI at checkout to view the plans available for your purchase.
