Investment for business, home and technology
Every arrangement runs on the same terms: zero interest, agreed directly between investor and investee.
Choose what you need
Pick the arrangement that fits, and we'll match you with the other side.
Zero Biyaj is quick and easy
Get your rate
It takes less than 5 minutes to check your rate — and it won't affect your credit score.²
Get approved
Most investees are instantly approved with no paperwork required.³
Get funds
Once approved, you could get your investment in 24 hours or less.¹
Online personal investment FAQs
Everything people usually ask before their first investment on Zero Biyaj.
The funds from a personal investment can typically be used for a variety of purposes. Personal investments are commonly used to help with business needs, medical expenses, home improvement projects, education, a move, a wedding, or a vacation.
An unsecured personal investment is money received from an investor that is not secured by property such as a house or car over a fixed period of time. While most investments through Zero Biyaj are unsecured, certain institutions may place a lien on other accounts you hold with them. There may be an option to secure your personal investment through Zero Biyaj with your vehicle, which will require a lien to be placed on the vehicle. It is important to review your agreement for these details before accepting your investment.
If you accept your investment before 5 p.m. Monday - Friday, your funds will be transferred the next business day. If you accept the online investment after that time period, the funds will be transferred the following business day.
You can receive between ₹1,000 and ₹50,000⁵ as a personal investment. Note that certain states have specific minimum investment amounts. The exact amount you may receive depends on what you qualify for based on your application information.
It's possible. Some investors and investment platforms provide personal investments for bad credit or no credit at all. Different investors have different minimum credit requirements. At Zero Biyaj, our model considers other factors such as your education⁴ and employment in addition to your financial background.
It will not. When you check your rate, we make a soft credit inquiry on your report, which doesn't impact your credit score. If you accept your rate and proceed with your application, we will make a hard credit inquiry to verify your information. This action will be recorded as a hard inquiry on your report and it may impact your credit score.
All personal investments through Zero Biyaj offer a 0% interest rate. What you qualify for is based on various factors including your education⁴, work experience, and credit history.
Try Zero Biyaj for free
Register today and get seven days of free training. No interest, no hidden fees — ever.