For all your financial needs

add axio. add life®

15 Mn +

Customers Served

9 Mn +

Credit Customers

3000 +

Merchants enabled

Meet axio

axio brings the best of money management, pay later and personal credit with the unification of Capital Float, Walnut and Walnut369. axio is derived from axios’ meaning ‘worthy’ in Greek. The genesis of axio is rooted in a singular purpose. We are obsessed with making credit good. For everyone. By reimagining credit systems that are designed with rigor, that shred red tape and empower everyone to win in life. Our belief is that for years the world has obsessed over who is creditworthy; and it is time to make credit worthy for all.

axio for Customers

A seamless credit experience

Plan finances

Manage Your Money

Manage Your Money

The easy way to track your expenses

  • Review expenses and maintain budgets
  • Track upcoming payments of credit cards and utility bills.
  • Split expenses with friends and send automatic follow ups.
Make purchases affordable

Pay Later for Your Purchases

Pay Later for Your Purchases

Get instant access to credit for all your needs and repay in easy EMIs.

  • Available on top brands in fashion, electronics, lifestyle, travel and more.
  • Pay with instant credit on a single click. Restore usable credit on repayment.
  • Break down the repayment into multiple EMIs.
Get Personal Credit

Quick Personal Loans

Quick Personal Loans

Get access to the money you need, exactly when you need it.

  • Finance your needs and aspirations with ease.
  • Simple registration, timely approval.
  • Complete transparency, no hidden charges.

axio for Partners

A better credit experience for your customers

Trusted & Verified

An RBI registered NBFC that is fully compliant with all regulatory requirements.

Boost Sales

Attract new customers, increase conversions at checkout and grow average order value.

Easy Integrations

Pre-integrated on all major payment gateways, including RazorPay, JusPay & Pine Labs.

Complete Transparency

Rest assured with full payment, paid upfront. We assume all credit and fraud liabilities.

Seamless Checkout

Retain customers on your platform. No redirects, new windows or disruption to purchase cycle.

Reduce drop-offs

Discourage cart abandons, with lightning-fast new user signups and convenient pay later options.

How it works

Add axio in 3 easy steps

Pay Later with axio while making purchases online

1. Add your product to cart and select axio

2. Add your PAN number & complete your KYC

3. Choose your payment tenure & make your first payment

Making credit worthy for all

Our partners




Home and Kitchen

Personal Care

Education & Health

Frequently asked Questions