{"id":11874,"date":"2026-08-03T15:51:16","date_gmt":"2026-08-03T10:21:16","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=11874"},"modified":"2026-08-03T15:51:18","modified_gmt":"2026-08-03T10:21:18","slug":"buy-iphone-on-emi-without-credit-card","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/","title":{"rendered":"How to Buy an iPhone on EMI\u00a0in India Without a Credit Card\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Not owning a credit card used to mean an iPhone stayed firmly out of reach unless you paid the full amount upfront.\u00a0That&#8217;s\u00a0no longer true, as several digital-first financing options now let you spread the cost without ever swiping a credit card. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From No Cost EMI plans and Buy Now, Pay Later (BNPL) services to instant personal loans, buyers today have multiple ways to finance their purchase. Understanding these options can help you choose the one that best fits your budget and repayment capacity while avoiding unnecessary borrowing costs.\u00a0<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Can_You_Buy_an_iPhone_on_EMI_Without_a_Credit_Card\" >Can You Buy an iPhone on EMI Without a Credit Card?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Ways_to_Buy_an_iPhone_on_EMI_Without_a_Credit_Card\" >Ways to Buy an iPhone on EMI Without a Credit Card&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Comparison_of_EMI_Options\" >Comparison of EMI Options&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Step-by-Step_Guide_How_to_Buy_an_iPhone_on_EMI_Without_a_Credit_Card\" >Step-by-Step Guide: How to Buy an iPhone on EMI Without a Credit Card&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Why_Many_Prefer_Digital_Loans_for_iPhone_Purchases\" >Why Many Prefer Digital Loans for iPhone Purchases&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Should_You_Finance_an_iPhone_on_EMI\" >Should You Finance an iPhone on EMI?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#FAQs_on_Buying_an_iPhone_on_EMI_Without_a_Credit_Card\" >FAQs on Buying an iPhone on EMI Without a Credit Card&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Can_I_buy_an_iPhone_on_EMI_without_a_credit_card\" >Can I buy an iPhone on EMI without a credit card?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Is_debit_card_EMI_available_for_iPhones\" >Is debit card EMI available for iPhones?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#What_documents_are_needed_for_iPhone_EMI\" >What documents are needed for iPhone EMI?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Is_no-cost_EMI_actually_free\" >Is no-cost EMI&nbsp;actually free?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Which_is_cheaper_debit_card_EMI_or_a_personal_loan\" >Which is cheaper: debit card EMI or a personal loan?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/buy-iphone-on-emi-without-credit-card\/#Can_I_get_zero_down_payment_on_an_iPhone\" >Can I get zero down payment on an iPhone?&nbsp;&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_You_Buy_an_iPhone_on_EMI_Without_a_Credit_Card\"><\/span>Can You Buy an iPhone on EMI Without a Credit Card?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, you can buy an iPhone on EMI without a credit card in India using debit-card EMI, a consumer-durable\/EMI card, a Buy-Now-Pay-Later or fintech instant loan, or a personal loan, usually needing only PAN and Aadhaar. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retailers and fintech platforms have expanded these options significantly, making this kind of purchase genuinely accessible to a much wider set of buyers than before. If\u00a0you&#8217;ve\u00a0been searching how to buy\u00a0iphone\u00a0on\u00a0emi\u00a0without credit card requirements slowing you down, these digital-first routes are built exactly for that.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ways_to_Buy_an_iPhone_on_EMI_Without_a_Credit_Card\"><\/span>Ways to Buy an iPhone on EMI Without a Credit Card&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You&nbsp;don&#8217;t&nbsp;need a credit card to buy an iPhone on EMI anymore. Banks, NBFCs, fintech platforms, and retailers now offer several financing options that let you spread the cost into manageable monthly instalments. Here are the most common ways to buy an iPhone on EMI without a credit card:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Debit card EMI:\u00a0Some banks allow eligible debit card holders to convert a high-value purchase into EMIs without requiring a credit card, subject to pre-approved eligibility.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consumer durable \/ EMI card:\u00a0Some banks allow eligible debit card holders to convert a high-value purchase into EMIs without requiring a credit card, subject to pre-approved eligibility.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buy Now Pay Later (BNPL):\u00a0BNPL services offered by fintech companies let you split the iPhone&#8217;s cost into smaller instalments, often with minimal documentation and a quick approval process.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Instant personal loan:\u00a0You can apply for an instant personal loan from a bank, NBFC, or fintech lender, receive the funds quickly, and use the amount to\u00a0purchase\u00a0the iPhone upfront while repaying the loan in EMIs.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retailer\/brand financing:\u00a0Many electronics retailers and Apple&#8217;s financing partners offer EMI schemes, including No Cost EMI offers, through selected banks and NBFCs for eligible customers.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison_of_EMI_Options\"><\/span>Comparison of EMI Options&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Option<\/strong>&nbsp;<\/td><td><strong>Documentation Needed<\/strong>&nbsp;<\/td><td><strong>Speed<\/strong>&nbsp;<\/td><td><strong>Typical Cost<\/strong>&nbsp;<\/td><\/tr><tr><td>Debit card EMI&nbsp;<\/td><td>PAN, Aadhaar, bank KYC&nbsp;<\/td><td>Same day, if eligible&nbsp;<\/td><td>Interest or processing fee applies&nbsp;<\/td><\/tr><tr><td>Consumer durable\/EMI card&nbsp;<\/td><td>PAN, Aadhaar, income proof&nbsp;<\/td><td>1-2 days for new card&nbsp;<\/td><td>Often no-cost EMI available&nbsp;<\/td><\/tr><tr><td>BNPL&nbsp;<\/td><td>PAN, Aadhaar&nbsp;<\/td><td>Instant to same day&nbsp;<\/td><td>Interest-free if repaid on time&nbsp;<\/td><\/tr><tr><td>Instant personal loan&nbsp;<\/td><td>PAN, Aadhaar, bank details&nbsp;<\/td><td>Minutes to a few hours&nbsp;<\/td><td>Interest applies over tenure&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The best EMI<strong><em>&nbsp;<\/em><\/strong>option depends not only on the cost but also on your eligibility, repayment capacity, and how quickly you need the funds. Before&nbsp;making a decision, compare the complete borrowing terms, including interest rates, processing fees, foreclosure charges, and repayment flexibility.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step-by-Step_Guide_How_to_Buy_an_iPhone_on_EMI_Without_a_Credit_Card\"><\/span>Step-by-Step Guide: How to Buy an iPhone on EMI Without a Credit Card&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s&nbsp;exactly how to buy an&nbsp;iphone&nbsp;on&nbsp;emi&nbsp;without credit card paperwork slowing things down:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compare the EMI options above based on your documentation and speed needs\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check eligibility for your preferred\u00a0option\u00a0as most require just PAN and Aadhaar for KYC\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Complete the application digitally through the lender&#8217;s app or the retailer&#8217;s checkout flow\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Select your iPhone model and confirm the EMI tenure that fits your budget\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Complete e-KYC verification, typically via an OTP-based Aadhaar check\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Receive approval and either get the loan amount disbursed or the EMI plan activated at checkout\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Many_Prefer_Digital_Loans_for_iPhone_Purchases\"><\/span>Why Many Prefer Digital Loans for iPhone Purchases&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Digital loans have become a popular financing&nbsp;option&nbsp;for iPhone purchases because they combine speed, convenience, and flexible repayment options. For eligible borrowers, the entire process can often be completed online, making it easier to buy a device without relying on a credit card. Here are some of the key reasons many buyers prefer digital loans:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Speed<\/strong>: Digital lenders often approve applications and disburse funds within minutes or a few hours, allowing you to complete your iPhone purchase without unnecessary delays.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Minimal documentation<\/strong>: Most digital loan providers\u00a0require\u00a0only basic documents, such as your PAN, Aadhaar, and KYC details, making the application process quicker than many traditional financing options.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Flexible tenure<\/strong>: Borrowers can choose from multiple repayment tenures, allowing them to select an EMI amount that fits their monthly budget.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>No credit card dependency<\/strong>: Digital loans enable eligible borrowers to finance an iPhone even if they do not own a credit card, making them accessible to first-time earners and many salaried individuals.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Transparent EMI breakdown<\/strong>: Most digital lending platforms clearly display the\u00a0<strong><a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-emi\/\">EMI<\/a><\/strong>\u00a0amount, interest charges, processing fees, and total repayment cost before you accept the loan, helping you compare financing options with confidence.\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Should_You_Finance_an_iPhone_on_EMI\"><\/span>Should You Finance an iPhone on EMI?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If a no-cost EMI scheme is genuinely interest-free and fits your budget comfortably, financing can be a sensible way to manage cash flow\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If the &#8220;no-cost&#8221; tag hides a marked-up product price or a processing fee, weigh the\u00a0real cost\u00a0carefully before committing\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoid stretching EMI tenure so long that total interest paid becomes a meaningful fraction of the phone&#8217;s price\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consider whether the purchase is a genuine need or a want you could comfortably save for over a couple of months instead\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Buying an iPhone on EMI without a credit card is now easier than ever in India, thanks to options such as debit card EMI, consumer durable financing, Buy Now, Pay Later (BNPL), and\u00a0<a href=\"https:\/\/www.fatakpay.com\/instant-loans-online\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>instant loans<\/strong><\/a>. The best choice depends on your eligibility, documentation, repayment capacity, and whether a no-cost EMI offer is available for your preferred purchase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> If\u00a0you&#8217;re\u00a0looking for a quick and hassle-free financing\u00a0option, you can also explore a\u00a0FatakPay\u00a0instant personal loan, which lets you apply with just PAN and Aadhaar and\u00a0purchase\u00a0your iPhone without needing a credit card.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_on_Buying_an_iPhone_on_EMI_Without_a_Credit_Card\"><\/span>FAQs on Buying an iPhone on EMI Without a Credit Card&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_buy_an_iPhone_on_EMI_without_a_credit_card\"><\/span>Can I buy an iPhone on EMI without a credit card?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, through debit card EMI, a\u00a0<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-a-consumer-durable-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>consumer durable loan<\/strong><\/a>, BNPL, or an instant personal loan, all of which are accessible without holding a credit card.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_debit_card_EMI_available_for_iPhones\"><\/span>Is debit card EMI available for iPhones?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, several banks offer debit card EMI on large purchases including iPhones, provided your bank&nbsp;participates&nbsp;in the scheme and you meet the eligibility criteria.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_documents_are_needed_for_iPhone_EMI\"><\/span>What documents are needed for iPhone EMI?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Most digital lending options require just PAN and Aadhaar for KYC, along with basic bank account details, making the process&nbsp;considerably faster&nbsp;than traditional loan applications.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_no-cost_EMI_actually_free\"><\/span>Is no-cost EMI&nbsp;actually free?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Often it is genuinely interest-free, but&nbsp;always verify the base product price&nbsp;hasn&#8217;t&nbsp;been inflated to offset the no-cost framing, and check for any processing fee that might apply separately.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_is_cheaper_debit_card_EMI_or_a_personal_loan\"><\/span>Which is cheaper: debit card EMI or a personal loan?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It depends on the specific offer as a\u00a0<a href=\"https:\/\/www.fatakpay.com\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>personal loan<\/strong><\/a>\u00a0with a competitive rate can sometimes beat a debit card EMI plan with hidden charges, so comparing the total cost, not just the headline rate, matters.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_get_zero_down_payment_on_an_iPhone\"><\/span>Can I get zero down payment on an iPhone?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many BNPL and consumer durable financing options do offer zero down payment, though this varies by lender and retailer, so&nbsp;it&#8217;s&nbsp;worth checking the specific terms before checkout.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": 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ever swiping a credit card. From No Cost EMI plans and Buy Now, Pay Later (BNPL) services to instant<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[180],"tags":[],"class_list":["post-11874","post","type-post","status-publish","format-standard","category-personal-loan"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/11874","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=11874"}],"version-history":[{"count":1,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/11874\/revisions"}],"predecessor-version":[{"id":11875,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/11874\/revisions\/11875"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=11874"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=11874"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=11874"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}