3 Easy Ways to Shopping on EMI Without Credit Card 2018 – Shopping on EMI without credit card now can be done. For you who hhave just started working this thing is perfect. Even EMI without credit card for students is also possible. That is even more convenient, right? Since for students, there are big demands to buy gadget to help with their assignment and yet they are tight in budgets.
They can’t simply asking money from their parents because they have paid their tuition fees or because their parents think that they do not need it yet and it is a waste of money. I am sure many students have face this kind of problem. They have to borrow their friends’ laptop to write their assignment or have to go to internet café. In this day, having one laptop is important to help with the study progress or development needs.
Shopping Anything on EMI Without Credit Card 2018
When you want to buy a new laptop, smartphone, tablet, or PC, you can go to EMI store. But the problem arise when you have to sign up using credit card number. You can be in a situation where your credit card will be rejected because you are a student with no income or a working person with not enough salary to own a credit card. There are some ways that can help you shopping on EMI without credit card.
Shopping on EMI without Credit Card Using Bajaj Finserv EMI Card
Bajaj Finserv EMI Card is one of the many option you can buy mobile on EMI without credit card. Getting a loan from this platform is quite easy. You can say that Bajaj Finserv EMI card is your pre-approved loan. They will give you instant approval once you have chosen your EMI plan.
Bajaj Finserv also has a wide range of option available for you to choose your favorable tenure and the amount that you are comfortable with to pay as EMIs. Another benefit using Bajaj Finserv is that you can foreclose your loan whenever you want. The Bajaj Finserv will provide you with your loan detail such as interest certification, payment schedule, and others on your online customer portal. There are some documents that your need to submit, they would be a filled in application form, photograph, and KYC documents.
If you want to use Bajaj Finserv EMI card service, you can easily apply on Bajaj Fanserv official website. Once you have your Bajaj Finserv EMI card, you can easily swipe the card at any vendor’s POS termal. You can purchase your desire product at home without any delay. The option for payment can be repaid anytime.
Shopping on EMI without Credit Card Using Quiklo
Quicklo is known as a micro-lending platform that provides easy loans for students to help them shopping on EMI without credit card. Any students can apply for loan in Quicklo. They do not need any financial context to apply for one. Using Quicklo to purchase product on EMI is relatively easy and simple. Here is how to purchase product using Quicklo.
Step 1: select the device hat you want to purchase. For example, iPhone. After selecting the product, Quicklo will display the product details, just like any E-Commerce website.
Step 2: after selecting the product, you can adjust and view EMI details and the tenure to repay the loan. Here, you can adjust the minimum (7.5% interest rate for 6 months and 15% 12 months for tenure) and maximum down payment for the product you have chosen. This shows that Quicklo is very finance-supportable for students.
Step 3: Once done with the second step, then process to apply for the loan. Fill in the needed personal information including Facebook Account, phone number, and a verified e-mail.
Step 4: wait for the approval. It is based on the students’ academic details, financial support, and assets that the students own. Do not worry though, this is as simple as purchasing the goods. You simply need to enter your recent semester result in CGPA.
Step 5: now, fill in the more thorough application form that needs you to fill in your major information such as your parents contact details, your monthly spending, monthly income, vehicle you own, and any other relevant details.
Step 6: submit important document to continue the loan application process. The documents that you need to submit are identity proof (Aadhar card, driving license, or other), address proof (electricity and water bill, bank details, and many more), and college ID card.
Step 7: the last step is to wait for the respond from Quicklo team. Do not worry for them are pretty fast in processing new clients. Once they have approved your application, they will contact your shipping and billing details through email and a confirmation call.
Shopping on EMI without Credit Card Using ZestMoney
ZestMoney is a platform that help you to split your big purchase’s cost over 2 to 12 months. This is another easy and quick way with minimal paperwork. It claims to only work with the best e-commerce sites, which they have checked and ensured have legitimate products and proper system for delivery and returns. Just like any other loan portals, ZestMoney requires you to pay the upfront payment via debit, credit net banking or COD.
It is needed so you are able to purchased and ship the product smoothly. How to purchase good from ZestMoney is similar to the Quicklo. You select the product first then fill in the needed document and pay the small amount of up-front payment. As soon as those requirement is made, your selected product will be shipped.
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If in any case you have pay the up-front payment but fail to provide ZestMoney with the relevant documents, ZestMoney will cancel your EMI and refund the upfront payment, usually it will take 2 to 5 days. If there is any issue with your shipped product, you will have the right to return and get refund.
There are many ways to shop on EMI without credit card, some are satisfied with the service but some have bitter memories with the platforms. Pick one out of those three to enjoy shopping on EMI without credit card.