Cardless EMI lets you shop on Golfoy without a credit card and pay in easy monthly installments via Snapmint.

No. A credit card is not required to avail Snapmint Cardless EMI.

All products on Golfoy are eligible, provided the order value is between ₹199 and ₹1,00,000.

2 & 4 months No Cost EMI and 6 months Low-Cost EMI.

Yes. A 33% down payment is mandatory at checkout.

In 90% of cases, no KYC is required beyond mobile number verification. In some cases, PAN may be requested if it is not available in Snapmint’s records.

Anyone above 18 years of age with a PAN linked to Aadhaar is eligible.

Your EMI may be rejected if:

• PAN is not linked to Aadhaar
• You are under 18 years of age
• You have an existing unpaid Snapmint loan
• You have defaulted on a loan in the last 90 days (with Snapmint or another lender)

Approval is instant and real-time during checkout after completing KYC (PAN & Aadhaar).

Your order won’t be placed, and you can switch to another payment option to complete the purchase.

Your order is shipped once Golfoy receives payment confirmation from Snapmint.

Yes, before shipment only. Orders cannot be cancelled after shipment.

No. Partial cancellations are not supported for Cardless EMI orders.

No. In case of a No Cost EMI and Low cost EMI order cancellation, the refund amount will be the total order value minus applicable payment gateway charges (up to 2%).

Yes. Timely payments help build credit, while missed payments may impact your credit score.

Late or missed payments may attract penalties and impact your credit profile.

For EMI approval, KYC, auto-debit, or refunds, please contact Snapmint Support.
For order or delivery queries, reach out to Golfoy Support.