EMI Finance

EMI Finance Terms and Conditions

Please read this terms and conditions carefully before purchasing a product through EMI Finance. Your use of the EMI Finance option provided by the website shall signify Your acceptance of these terms and Your agreement to be legally bound by the same. In this terms, Boncart Retail Service Private Limited is mentioned as “Boncart”, “a Company” “we”, “us” or “our”. This term is subject to change at any time without any prior notice. You are requested to regularly visit the homepage www.boncart.com to view the most current Terms of Use. The finance provider may also get change time to time. Terms of sale are also applicable for the products purchased under EMI Finance option.


You can purchase our products through EMI Finance but before purchasing a product through EMI Finance check the pin code to confirm the availability of financial service in that localisation and you can purchase any product through EMI Finance within the limit of 15000 to 100000.


The loan facility offered to the customer by Finance provider is governed by the terms and conditions of that particular Finance provider.


The loan facility is being offered by Finance provider to the customer and Boncart has no role to play in the approval, extension, pricing, modification, pre-closure, closure or any matter incidental thereto pertaining to the offering of the facility, which is decided at the sole discretion of Finance provider.


Your eligibility criteria and other parameters are directly accessed by Finance provider and approved loans shall be disbursed by Finance provider to Boncart.


After applying for EMI Finance you will be asked to upload your documents and it will be checked for eligibility. If it matches with the eligibility criteria, you will get an intimation from the Finance provider to the registered email or mobile number and they may ask for further details. Boncart will not be held responsible if the document which is sent to finance provider is mishandled or misplaced. Rejection and acceptance of the document are based on the finance provider.


The uploaded documents should be self-attested by you and if you have asked to upload bank statement, that statement should be attested by the authorised person in the bank. The finance eligibility process may vary from 3 to 7 business days depends on the finance provider. If found any issues or document missing this stipulated time may extend.


The Finance provider will intimate you with the credit value and you should apply within 45 days from the date of intimation, but in this 45 day, the Finance provider’s schemes may get changed. In case if you fail to do within the intimated time period then you will be able to reapply only after 120 days. This stipulated time period may vary according to the finance provider.


The product which you have selected may get absolute, discontinued or dissolved while your documents are in the process, in that case, refresh your order to select or change the product. If you cancel the order, for this reason, it may take 3 months to reapply for the loan. Boncart is not liable for this refer your finance providers terms and conditions for more information regarding this. The price of the product may also get changed while your document is on the process and that price difference should be borne by you.


Down payment to be paid is fixed by Finance provider and it depends upon the product and the offer or scheme available on that date.

Down payment should be done through Boncart it includes Gift wrap, Service etc. This can be made through Cash, Cheque or Credit Card.


Products purchased through EMI Finance cannot be cancelled, returned, replaced or refund. In case the product package tampers or wrong product sent and if it is confirmed by our backend team your return request will be accepted.


All disputes in connection with the loan shall be between the Customer and Finance provider. Boncart shall not be held responsible for any dispute arising out of or in connection with such loan facility being offered by Finance provider. Your application for finance may get cancel by finance provider due to low cibil score or wrong proof or if any document is found missing but we are not liable for such rejection and it may get rejected from Boncart too with or without any reason.

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