As technology becomes more and more embedded in our daily lives, electronic devices like laptops, smartphones and other such devices have become an indispensable necessity for the masses.
As the demand for laptops for both professional and personal use increased, so did their prices. Buying a laptop can be a significant expense and not easy to pay for upfront for some people.
This is where EMIs come into play. Equated Monthly Installments (EMIs) are one of the most popular buying methods these days as they give buyers instant access to the product, which they can pay for in easy installments over a period of time.
Well, there’s a problem with this seemingly simple process. EMIs generally require a credit card. Although now we have several alternative ways that we can buy laptops from EMI without a credit card. So if you’re looking to buy a laptop from EMI but don’t have a credit card, read on to find out how you can do so.
As technology becomes more and more embedded in our daily lives, electronic devices like laptops, smartphones and other such devices have become an indispensable necessity for the masses.
Tips for buying a laptop
First, let’s see some things to consider when buying a laptop:
How do I buy a laptop from EMI without a credit card?
So you’ve done your research and decided what you want to get.
Now comes the real question. How can you buy a laptop from EMI without using a credit card? Let’s look at some options that you can try below:
debit card
It’s always a good idea to buy things with your debit card instead of a credit card, as a credit card is essentially debt, but a debit card holds money you already have. This way you can avoid overspending. Another benefit of debit cards is that you can take advantage of free EMIs.
Instead of using up your credit, you can use your debit card to make smaller monthly payments for a longer period of time and buy a laptop from EMI without a credit card.
Permanent Consumer Loan
This is one of the most convenient options for buying a laptop from EMI without a credit card as you can avail a permanent consumer loan even if you don’t have a credit/debit card or online banking etc.
The process to get this loan is as easy as applying for any other unsecured loan, the only difference is that you have to state the purpose for which you want to use it.
Purchase from EMI
Purchasing through the EMI feature converts the cost of your purchase directly into simple EMIs for a time period that suits you. You can choose the repayment period and EMI amount when you purchase the product.
Regardless of whether you are shopping online or offline, you can use this option from platforms like CreditBeewith which you can conveniently buy any laptop of your choice without a credit card.
So these are the most popular alternatives to choose from when looking to buy a laptop from EMI without using a credit card. Now let’s look at some of the benefits of this approach…
Benefits of buying a laptop from EMI
Aside from being convenient and broken down into smaller payments, are there any other benefits of buying a laptop from EMI? let’s find out
Diploma
In this article we want to help you with information on how to buy a laptop with easy EMIs without using your credit card. Now you know how to buy laptops without a credit card, the benefits of buying from EMI, and even some general tips to consider when making a purchasing decision.
PS – Before purchasing, be sure to read all terms and conditions related to the EMI option and any additional costs or fees that may apply.
In our humble opinion, the KreditBee purchase from EMI is the best option you can use to buy your laptop as it does not require any cards – debit or credit card – and is the easiest of all available alternatives in this day and age.
frequently asked Questions
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Yes, you can purchase a laptop through an EMI debit card by using your debit card to make the purchase. Most of these online shopping platforms offer free EMI for select debit cards.
Although it depends on the platform and banking institution offering it to you, there is generally no charge for purchases made through an EMI debit card. in any case, the final call comes from the platform and the banking institution as they provide the facility.
You can buy a laptop from EMI without a credit card by using your debit card, taking out a loan, or using the KreditBee Purchase feature at EMI, which allows you to make an instant purchase without using cards.
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