The Ultimate Guide to Buying a Laptop on EMI Without a Credit Card

The necessity of buying a laptop in today’s time cannot be overstated. Today we live in a world where our lives are run on laptops; we have everything stored on laptops, and most of our work is done on them. 

Without laptops and technology, businesses would not be able to function effectively. 

The portability of a laptop makes it easier to carry it around for work or leisure. 

Further, working from home and online classes for students during the pandemic has made everyone realize the importance of laptops even more. 

In 2021, personal computer shipments saw strong growth in India. From July to September, 4.5 million units were shipped in the quarter, which is a 30% year-on-year growth.

Products like laptops are expensive, and getting the best laptop within a budget is a priority for prospective buyers.

However, buyers often get confused when selecting whether to buy with a credit card or on EMI. 

Buying a product on EMI is one of the best ways to get a good product at a lower cost if people do not have a credit card or do not want to use it. 

What are the different ways to buy a laptop on EMI without a credit card?

A few ways to buy a laptop on EMI without a credit card are:

  1. Take a personal loan

There are numerous ways to buy a laptop on EMI without a credit card; one of them is taking a personal loan. 

Personal loans can be used to buy a laptop without paying the entire amount at once with flexible repayment tenures. 

Individuals can take a loan amount for the cost of the laptop from the lending institution. The process is smooth and the documents required are minimal.

However, the loan amount will depend upon the income and credit score of the borrower. 

  1. Online lending platforms 

Besides personal loans, the other option is online lending platforms.

Advancements in technology have made getting loans effortless from various online lending platforms. Laptop buyers can easily purchase laptops on EMI using their debit cards. 

These platforms help split the current purchases into EMI and allow repaying in a specific period. 

These platforms are known for giving both online and offline shopping facilities so that one can shop for their favorite laptops without any difficulty. 

Moreover, the process is seamless with minimal to no paperwork. Buyers, however, need to ensure they choose a reliable online lending platform before making a purchase. 

  1. EMI on debit card 

Nowadays, many banks let customers buy laptops on EMI using their debit cards. If the customer’s bank provides this service, they can check details on the website and the eligibility criteria for getting approved for the loan.

This facility is also provided on many online shopping websites, where they give the option of no-cost EMI. Individuals can pay for the laptop in installments without any interest in a no-cost EMI. 

However, this facility is available for selected debit cards and laptops only.  

Advantages of buying a laptop on EMI

Buying a laptop on EMI without a credit card has many advantages; let us see a few.

  • Buyers can receive the laptop they want quickly because personal loan approval, approval from online lending platforms, and EMI on debit cards is all quickly and easily processed.
  • Purchasing a laptop on EMI allows people to maintain their savings while achieving their desire of owning a laptop.
  • Another advantage of buying a laptop on EMI is that the monthly payments are manageable. As a result, the monthly financial load on a person’s budget will be minimal.
  • The repayment period is quite flexible with loans, making it easier to pay the EMI. In addition, one can choose the repayment period that best suits their repayment capability. 


Buying a laptop on EMI without a credit card is convenient.  With many lenders now accepting debit cards and some also offering zero percent EMI, this option is becoming more available.

EMI is particularly beneficial for consumers who cannot pay for an item in full at once, as it allows them to purchase it without paying the entire cost.

Purchasing a laptop on EMI is one of the most convenient ways to stretch the expense of the equipment over a longer period.

However, you should thoroughly analyze your spending and prepare a budget before deciding which is the best option for you.

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