Ather Flexipay
Ather's Flexipay finance offers zero down payment, simplified approval and tenures up to five years. Ather advertises interest from 3.99% on the 450 and Rizta and from 5.75% on the Konarc, with Konarc EMIs from ₹1,964 a month and Rizta EMIs from about ₹2,235. Actual rates depend on the lender, your credit profile, the tenure and the down payment.
Other lenders
We also work with banks and NBFCs. Our finance desk compares the offers you qualify for and lays them side by side — interest rate, processing fee, total payable — so you can choose on the full cost, not just the EMI.
Documents to bring
| For | Typical documents |
|---|---|
| Identity and address | Aadhaar, PAN card |
| Salaried | Latest salary slips, bank statements for recent months |
| Self-employed | Bank statements, recent income-tax returns or business proof |
| Everyone | Passport-size photos, an active mobile number linked to your bank |
Lenders vary; we tell you exactly what your chosen lender needs before you visit.
Make approval quicker
- Check your credit score beforehand.
- Bring complete documents in one visit.
- Choose a tenure that keeps the EMI comfortable — a longer tenure lowers the EMI but raises total interest.
- Combine finance with an exchange of your old scooter to reduce the loan amount.
Try different amounts in our EMI calculator.
Look at the total, not just the EMI
A longer tenure always looks cheaper per month. As an illustration, a ₹1,20,000 loan at 9% interest:
| Tenure | Monthly EMI | Total repaid |
|---|---|---|
| 36 months | ≈ ₹3,816 | ≈ ₹1,37,400 |
| 60 months | ≈ ₹2,491 | ≈ ₹1,49,500 |
The five-year loan costs about ₹12,000 more overall. Choose the shortest tenure whose EMI you are comfortable with — and compare it with the petrol you will stop buying.
Questions we get asked
Ather's Flexipay scheme offers zero down payment options, subject to lender approval.
Ather advertises rates from 3.99% on the 450 and Rizta and from 5.75% on the Konarc. Your actual rate depends on the lender and your credit profile.
With complete documents, approvals often come through the same day.