How to Buy a Laptop on EMI Without a Credit Card

How to Buy a Laptop on EMI Without a Credit Card

Purchase Loan Personal Loan
Table of Contents

With technology embedding itself more and more in our daily lives, electronic devices like laptops, smartphones, and other such gadgets have become somewhat of an indispensable necessity for the masses.

As the demand for laptops for both professional and personal use increased, their prices increased as well. Buying a laptop could be a significant expense, and not easy for some people to pay upfront.

This is where EMIs come into the picture. Equated Monthly Instalments (EMIs) are one of the most popular methods of purchasing these days, as they allow buyers immediate access to the product, for which they can pay in easy instalments over an extended period of time.
Now, there is one problem in this seemingly easy process. EMIs generally need you to have a credit card. Although, now we have multiple alternative ways we can buy laptops on EMI without a credit card. So, if you're looking to buy a laptop on EMI but don't have a credit card, keep reading to find out how you can do it.

With technology embedding itself more and more in our daily lives, electronic devices like laptops, smartphones, and other such gadgets have become somewhat of an indispensable necessity for the masses.

Tips to Buy a Laptop

First things first, let’s see some things you should keep in mind while buying a laptop:

  1. Budget: Your budget should be the most important factor when deciding which laptop to buy. Even though you can pay it later, you will still need to pay every last penny. Avoid falling into the trap of spending more than you can afford.
  2. Battery life: A laptop’s main USP against a computer is the ease of transportation and ability to function without being plugged in. Choose a laptop that has appropriate battery backup.
  3. Operating system: The most important software that runs on a computer is the operating system. It is in charge of managing the computer's memory and processes, as well as all of its software. Take your pick wisely.
  4. Graphics card: This card removes the graphical processing from the RAM or processor and has a dedicated GPU and RAM to make the process quicker. Evaluate your needs before you decide which laptop to buy.
  5. Processor: The processor or CPU is what processes every bit of data through your laptop, so make sure to buy one with an updated and powerful processor for your needs.
  6. RAM and storage space: Both the short-term and long-term memory of your laptop play an important part in its performance. Check these before you purchase a laptop.

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

So you have done your research and decided what to get.
Now comes the actual question. How can you go about buying a laptop on EMI without using a credit card? Let’s see some options you can try below:

Debit card

It’s always a good idea to buy things on your debit card instead of a credit card, as a credit card is essentially debt, but a debit card holds funds you already have. This way you can avoid overspending. Another benefit of debit cards is that you can avail yourself of no-cost EMIs.

Instead of exhausting your funds all together, you can use your debit card to make smaller payments every month over an extended period and buy a laptop on EMI without a credit card.

Consumer durable loan

This is one of the most convenient options for buying a laptop on EMI without a credit card, as you can avail yourself of a consumer durable loan even if you do not have a credit/debit card or online banking, etc.

The process to get this loan is as simple as applying for any other unsecured loan, the only difference being that you need to specify the purpose for which you intend to use it.

Purchase on EMI

A purchase on EMI feature directly converts the cost of your purchase into simple EMIs for a time period convenient to you. You can choose the repayment tenure and EMI amount when you buy the product.

Whether you shop online or offline, you can use this option from platforms like KreditBee, which allow you to conveniently purchase any laptop of your choice without a credit card.

So these are the most popular alternatives to choose from if you want to buy a laptop on EMI without using a credit card. Now let’s see some advantages of doing this…

Advantages of Buying a Laptop on EMI

Apart from being convenient and broken into smaller payments, are there any other benefits of buying a laptop on EMI? Let’s find out.

  1. Your savings remain secure: Even if you have the money in your account, you can save some for emergencies and secure your savings instead of using them all for making one purchase.
  2. You can easily pay for your product: EMIs make payments super easy and convenient. You can get the laptop now and keep paying for it in small instalments according to your convenience.
  3. You can use seasonal offers: You can make the best of seasonal offers even if you do not have the funds right away. So look out for the next sale during which you can get the best price for your laptop and break it into easy instalments.
  4. No down payment required: In most cases where you buy any product on EMIs without using your credit card, you will not be required to make a down payment. This means that you do not even need to have any minimum amount to purchase your dream laptop in your bank account.
  5. No extra costs: No-cost EMIs enable you to buy a laptop now, pay for it later according to your convenience, and not bear any additional costs on it!
  6. Enjoy affordable EMIs: On top of EMIs allowing you to repay in a longer period, they are in themselves smaller chunks of money so you do not need to worry about a monthly dent in your income as well.


In this article, we aimed to help you with information on how you can buy a laptop with easy EMIs, without using your credit card. Now you know how you can buy laptops without a credit card, the advantages of buying one on EMI, and even some generic tips on what to keep in mind when deciding to buy one.

P.S. - Before making a purchase, make sure to read all the terms and conditions associated with the EMI option, as well as any additional costs or fees that may be applicable.

In our humble opinion, KreditBee purchase on EMI is the best option you can go with to buy your laptop, as it does not require any cards - debit or credit, and is the simplest of all available alternatives in the current times.


Yes, you can purchase a laptop via a debit card EMI by using your debit card to make the purchase. Most of these online shopping platforms offer no-cost EMI on select debit cards.

Although it depends on the platform and banking institution offering it to you, generally no fee is charged for any purchases you make through a debit card EMI. the last call is of the platform and the banking institution in all cases, as they provide the facility.

You can buy a laptop on EMI without a credit card by using your debit card, availing a loan, or using the KreditBee Purchase on EMI facility that lets you make an instant purchase without using any cards.


KreditBee As a market leader in the Fintech industry, we strive to bring you the best information to help you manage finances better. These blogs aim to make complicated monetary matters a whole lot simpler.