Hi, I rohit gupta bought samsung j2 pro in april2017 with help of capital first(in 9month 0% emi offer) with just 2 ID proof very easily in few hours verification with 0 down payment, they charged only 500rs for file charge. Staff is very helpful, so I got my new phone very easily. But sorry to say there late fees charges is very high 500rs per late emi deposit. So I wish there charges of late fees should be less otherwise there is no dout capital first is good choice other than bajaj finsery& others finanace companies