1. Installment purchase in offline stores

Many physical stores now cooperate with lending institutions to pay installments. Users who do not have a credit card can ask the store clerk if installment payment is supported when purchasing an Apple mobile phone in an offline store. If so, the user can apply for installment payment by providing their ID card and bank card and filling in the relevant loan application information. If the store does not support it, the user can change it to a store that supports it. When applying for installment payment in a store, you need to ask about the down payment and interest of the installment.

2. Installment purchase on online platforms

There are also many online shopping platforms that support the purchase of Apple mobile phones in installments, such as JD.com, Tmall and Apple’s official website. You can use JD Baitiao to purchase Apple mobile phones in installments on JD.com, and you can use Huabei to purchase Apple mobile phones in installments on Tmall Mall and Apple's official website. On event days such as 618 and Double Eleven, some merchants will offer interest-free installments. Apple’s official website has cooperated with Huabei, which allows up to 24 interest-free installments.

3. Apply for a small loan to purchase

If the user does not have a credit card and the credit limit on JD.com Baitiao and Huabei is not high and cannot purchase an Apple phone in installments, the user can apply for some credit loans to purchase it. iPhone. There are credit loan products on WeChat and Alipay, and users can also apply for them at some consumer financial institutions. The credit loan application threshold is generally relatively low, the loan amount is relatively high, and no mortgage is required, but it depends on the user's credit situation. If you want to apply for a loan, you must apply with a regular and reliable lending institution, otherwise you will easily be cheated.