How to Buy a Laptop on EMI Without a Credit Card?

In today’s world, a laptop is no longer a luxury but a necessity for most people, especially those who work or study remotely. However, not everyone can afford to pay for a laptop in one go. This is where shopping on EMI comes into play. EMI allows you to pay for your laptop in small monthly installments over a certain period of time.

But what if you don’t have a credit card? Don’t worry, in this blog post, we will discuss how to buy a laptop on EMI without a credit card.

Use Home Credit Ujjwal EMI Card

Home Credit offers Ujjwal EMI Card, which lets you make purchases with easy EMIs. This virtual card provides an instant pre-approved credit limit of up to ₹75,000. You can simply apply for the Ujjwal EMI Card by visiting any of our 53,000+ Partner shops. Use this limit to effortlessly buy your favorite products on convenient EMIs from our partner shops or online partners.

Debit Cards

Many banks now offer debit card EMI options that allow customers to make purchases on EMI using their debit cards. This is a great option for those who don’t have a credit card but have a savings account with a bank that offers this service. To avail of this facility, you need to check with your bank about their EMI options on debit cards and the eligibility criteria. 

Personal Loan

If you don’t have a credit card or a debit card with an EMI option, you can consider taking a personal loan. Home Credit also offers instant personal loans up to Rs. 5 Lacs that you can use to finance your laptop purchase. Our personal loans typically offer instant approval and minimum documentation, and you can also choose a flexible repayment plan that suits your budget. 

Buy Now Pay Later

Some online marketplaces offer a “Buy Now Pay Later” option, which allows you to defer your payment for a certain period. You can select this option during checkout and pay for your purchase in installments over the next few months. 

In conclusion, buying a laptop on EMI without a credit card is possible, and there are several options available to you. You can explore these options and choose the one that best suits your needs and budget. Always remember to read the terms and conditions carefully before making a purchase on EMI to avoid any surprises later on.