Can You Buy An iPhone On Emi Without A Credit Card?

If there is a handset with a devoted fan base that never goes out of style, it is unquestionably Apple’s iPhone. Every time a new iPhone is released, fans and speculators alike are enthralled by the brand’s features, style, charm, and models. 

One complaint directed at the product is its exorbitant price. Even older versions are three to four times more expensive than Android phones with comparable capabilities. 

If you’ve been putting off buying an iPhone because it’s out of your price range, this guide is for you. Also, if you’re an iPhone user who hasn’t yet upgraded to the current model, there’s no cause for worry as this guide informs you about the procedure to buy an iPhone on EMI.  

Know the iPhone

Apple’s product line has expanded significantly in recent years. The firm began by manufacturing computers and has expanded its product line to include music players, tablet computers, and smartwatches. As a result, Apple currently offers a diverse range of products and services for various objectives.

The gadgets communicate with one another in a natural and unobtrusive manner. You don’t need to download or install any additional software to connect them; simply login into both devices with the same Apple ID. Photos, emails, notes, and calendars may all be shared between devices. You also don’t have to pay twice for applications, movies, or books because they’re available on all of your devices.

How to buy an iPhone on EMI Without a Credit Card

If you want to buy a new iPhone, you should expect to pay at least Rs. 75,000. Even the most recent economy iPhone, the iPhone SE, costs approximately Rs. 45,000.

The exorbitant cost of iPhones deters regular customers from getting them since they cannot afford to pay such a lump sum amount all at once. This is where EMIs come into play. The most significant advantage of purchasing a mobile phone or any other personal gadget or home appliance on EMI is that you may now acquire the equipment and pay for it later.

Consider it a short-term loan. The loan pays for the device, and you repay it in the form of regular monthly EMIs, perhaps six months or so. 

You have the following options:

1) Consumer Long-Term Loans

A durable consumer loan is the simplest and most common way to buy pricey electronics on EMI. It is accessible for all major purchases such as televisions, air conditioners, laptops, PCs, washing machines, furniture, cell phones, refrigerators, water purifiers, music systems, etc. The benefits of opting for this are as follows:

  • EMI at no cost
  • There is little documentation.
  • There is no requirement for a security deposit or collateral.
  • Depending on the lender, loan amounts range from rupees five thousand to Rs. 5 lakhs.
  • Tenure varies from lender to lender and spans from 3 months to 24 months.

2) Consumer Credit Fintech Businesses

Some of the largest consumers borrowing Fintech companies are EMILife, ZestMoney and SnapMint. Customers who do not have credit cards can get credit from these firms. They offer you to buy your favorite iPhone on EMI with little or no down payment.

3) Amazon Pay Later

This is a new service from Amazon India that is available to a limited number of users. In addition, customers may use the Amazon Pay Later tool to get fast credit for purchases made with EMI on Amazon India.

Customers must undergo a one-time setup step to use this service. After adequately registering, you must finish your process of buying iPhone on EMI on Amazon and pay for it later with EMIs ranging from three to twelve months.

You must be over the age of 23 and have an active Amazon India account to be eligible for this service. You must also submit your PAN number and link your Amazon account to a bank account. Amazon’s lending partner will determine your credit limit based on the information you submit.

4) Debit Card EMIs

Leading commercial banks, including HDFC, Axis Bank, and ICICI Bank, now allow debit cardholders to pay for goods with EMIs on their debit cards. In addition, these banks will enable you to pay for your purchase in EMIs over a certain period.


When buying on an online marketplace such as Amazon or Flipkart, search for the availability of the “iPhone buy on EMI” function near the product listing. Then, purchase your desired iPhone today on EMI without using a credit card.

It is now easier than ever to purchase your desired Smartphone. Use any financing mentioned above   to pay for your iPhone in manageable EMIs. Be careful in reading the payment methods and the terms and conditions to choose the one that works best for you.

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