Pro Lab offers EMI tenures of 3, 6, 9, and 12 months for orders above ₹2,000, plus 0% interest Pay Later options up to ₹50,000. Convert any large purchase into affordable monthly installments with instant approval.
Easy Monthly Installments (EMI)
EMI eligibility & requirements
- Minimum order value: ₹2,000 (varies by provider)
- Maximum tenure: 12 months
- Approval: Instant (based on credit check)
- Interest rates: 12–18% per annum (varies by provider and tenure)
EMI providers & options
Provider | Type | Tenure Options | Interest Rate | Requirements |
Credit Card EMI | Card-based | 3, 6, 9, 12 months | 12–18% (card issuer) | Eligible credit card |
HDFC Bank | Card EMI | 3, 6, 9, 12 months | 12–15% | HDFC credit card |
ICICI Bank | Card EMI | 3, 6, 9, 12 months | 12–15% | ICICI credit card |
EMI calculation example
Example: Photo book order ₹4,000
Tenure | Monthly Payment | Total Interest | Total Amount |
3 months @ 15% p.a. | ₹1,355 | ₹65 | ₹4,065 |
6 months @ 15% p.a. | ₹691 | ₹146 | ₹4,146 |
12 months @ 15% p.a. | ₹359 | ₹308 | ₹4,308 |
How to use EMI
- Add products to cart (minimum ₹2,000)
- Proceed to checkout
- Select "EMI" as your payment method
- Choose your EMI provider (credit card, Bajaj, ZestMoney, etc.)
- Select tenure (3, 6, 9, or 12 months)
- Complete verification (instant for card EMI, may need documents for cardless)
- Review your EMI plan and approve
- Order confirmed — the first EMI is charged immediately
Pay Later options
Buy now and pay within 15–30 days with zero interest (if paid on time).
Provider | Credit Limit | Payment Due | Interest (if on time) | Late Fee |
FlexiPay by HDFC Bank | Up to ₹25,000 | 15 days | 0% | ₹100–500 + interest |
LazyPay | Up to ₹50,000 | 15 days | 0% | ₹200 + 3% interest |
Important Pay Later terms
- Credit limit approval is instant but subject to eligibility
- Payment must be made within the due date to avoid interest
- Late payments affect your credit score
- Multiple missed payments can suspend your account
- Always pay on time to enjoy the 0% interest benefit
Which option suits you?
- EMI — best for larger orders (₹4,000+) you want to spread across several months
- Pay Later — best for short-term cash flow on smaller orders, with zero interest if paid on time
- Standard payment — best if you have funds ready; no interest, no fees, simplest path
For any questions about EMI eligibility or Pay Later limits, contact support@prolab.in.
Powered by