Laptop on EMI without Credit Card: Get Laptop without Zero Down Payment

Learn how to purchase a laptop on EMI without a credit card using the Bajaj Finserv Insta EMI Card. Discover simple steps to own your dream laptop affordably and conveniently.
Laptop on EMI without Credit Card: Get Laptop without Zero Down Payment
3 min
17-Feb-2024

In today's digital age, owning a laptop is essential for work, education, and entertainment. However, purchasing a laptop outright can be a significant financial burden for many individuals. Fortunately, there are options available to buy a laptop on EMI (Equated monthly instalments) without needing a credit card. One such option is through Bajaj Finserv Insta EMI Card, which offers a hassle-free way to spread the cost of your laptop purchase over time.

Eligibility criteria for getting the Insta EMI Card for Buying Laptop on EMI

To be eligible for the Bajaj Finserv Insta EMI Card, you must meet the following criteria:

  • Be an Indian citizen
  • Be between 21 and 65 years old
  • Have a regular source of income
  • Have a credit score of 720 or higher

Check the benefits & features of Insta EMI Card

Here is a step-by-step guide on how to buy a laptop on EMI without a credit card using the Bajaj Finserv Insta EMI Card:

  1. Check eligibility: The first step is to check if you are eligible for the Bajaj Finserv Insta EMI Card. Eligibility criteria may vary, but generally, you need to be a resident of India between the ages of 21 and 60 years with a regular source of income.
  2. Apply for the Insta EMI Card: You can apply for the Bajaj Finserv Insta EMI Card by visiting a Bajaj Finserv partner store. The application process is simple and requires basic documentation such as KYC documents and income proof.
  3. Choose a laptop: Once you have the Insta EMI Card, you can explore various laptops available in the market. Consider your requirements, such as processing power, storage, memory, and budget, before making a decision.
  4. Visit partner stores: Look for Bajaj Finserv partner stores that accept the Insta EMI Card. These stores have a wide range of laptops from leading brands available for purchase on EMI.
  5. Select EMI plan: After selecting the laptop of your choice, inquire about the EMI plans available. Bajaj Finserv offers flexible EMI tenures ranging from 3 to 24 months, allowing you to choose a repayment schedule that suits your budget.
  6. Submit documents: Provide necessary documents such as KYC details, address proof, and income documents to complete the purchase process. The store representative will assist you in filling out the required forms.
  7. Make a down payment: Depending on the store's policy, you may need to make a down payment for the laptop purchase. The remaining amount will be converted into monthly instalments as per the EMI plan selected.
  8. Complete purchase: Once the documentation and payment formalities are complete, you can take home your new laptop. Your EMI payments will commence from the next billing cycle.

Buying a laptop on EMI without a credit card offers several benefits, including:

  • No need for a credit card: Unlike traditional EMI schemes that require a credit card, the Bajaj Finserv Insta EMI Card allows you to avail EMI offers without relying on credit.
  • Affordable repayment: EMI plans offered by Bajaj Finserv come with competitive interest rates, making it easier to manage your finances while purchasing a laptop.
  • Convenient repayment options: You can choose from a variety of repayment tenures and payment modes, including online payment, auto-debit, or visiting Bajaj Finserv partner outlets.

In conclusion, buying a laptop on EMI without a credit card with the Bajaj Finserv Insta EMI Card is a convenient and budget-friendly option for individuals looking to own a laptop without straining their finances. Explore the range of laptops available and take the first step towards owning your dream laptop today.

Ready to buy your dream laptop on EMI without a credit card? Apply for the Bajaj Finserv Insta EMI Card and start shopping hassle-free. Visit their website or nearest partner store to get started.

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