How To Get Iphone On Emi Without Credit Card

How to Shop for iPhone on EMI without a Credit Card: A Step-by-Step Guide

The iPhone, known for its advanced technology and sleek design, captivates tech enthusiasts worldwide. However, its premium pricing can often be a hurdle for many potential buyers. Thankfully, modern financial solutions address this challenge. You no longer have to rely on a credit card or exhaust your savings to own this gadget. With the availability of easy EMI options without a credit card, purchasing an iPhone has never been more accessible. Discover the hassle-free ways to make this iconic device yours without the burden of a lump-sum payment.

Research and Select a Model

The first step in your iPhone purchase journey is to decide on the model. Whether you're inclined towards the latest iPhone 15 or the relatively economical iPhone 11, weigh the features against the price to make an informed decision.

Choose a Retailer

Once you've settled on a model, find a retailer that offers EMI facilities without the need for a credit card. HDB Financial Services, for instance, offers such facilities.

Verify Eligibility

Before diving in, make sure you meet the criteria. If you're salaried, you should be between 18 to 60 years of age. For those self-employed, the age limit extends up to 65 years. Documentation for a digital product loan includes standard identity and address verifications like:

• PAN Card, Aadhar Card, Driving License, or Voter's ID
• Utility bills such as electricity or post-paid/landline, provided they're no older than two months, can also be used.
• An updated bank statement or passbook from the last 90 days is required.
• While a passport-sized photo can be helpful, it's optional since photos can often be taken on the spot.

Select EMI Option

When you're checking out, be it in a physical store or online, opt for the EMI payment method. Avoid the credit card EMI choices and instead focus on those tied up with finance companies or NBFCs.

Complete KYC Process

Like all financial transactions, you'll need to prove your identity. This means submitting KYC (Know Your Customer) documents. Some places will let you upload these documents digitally, while others might ask for hard copies.

Review & Confirm

Before you hit 'buy', double-check all details. Ensure you're comfortable with the EMI amount, the time you'll take to repay (tenure), and any interest or charges.

Receive Approval

Once the finance company verifies your details and deems everything in order, they'll give the green light. And voila, your chosen iPhone is either shipped to your doorstep or handed to you in the store.

Get the Latest iPhone EMI Offer at HDB Finance

Dive into the world of Apple with HDB Finance's enticing iPhone offers! Avail an immediate Rs.5000 discount with the additional advantage of a low-cost EMI, starting from a 9-month tenure, exclusively with your HDFC Bank Credit Card. The reduced price, after including both the cashback and low-cost EMI benefits, gets applied directly to the Bank payment/OTP page. Make sure to choose the offer under the “view all offers” section during payment to capitalise on this deal. Similarly, a six-month no-cost EMI offer accompanies the same Rs.5000 instant discount.

Purchasing an iPhone on no-cost EMI offers a blend of luxury and financial prudence. It allows consumers to acquire the world-class technology and premium experience that iPhones deliver without feeling the immediate financial pinch. Instead of making a hefty one-time payment, buyers can spread out the cost over several months. Moreover, with a no-cost EMI with HDB Finance, the burden of interest rates is eliminated, ensuring you only pay for the actual price of the phone, making the deal both smart and economical.