How to buy Apple in installments without a credit card

If you want to buy an Apple phone in installments without a credit card, you need to negotiate with the physical store seller.

If you buy in a physical store, you can ask the store owner whether you can pay for the purchase in installments;

If the store owner agrees, you can purchase in installments;

Sign a simple installment plan Payment agreement;

Submit your personal ID card and contact information to the mobile phone store;

And provide corresponding evidence that you can afford the installment payment.

Note: This type of installment is an independent private installment payment. But under normal circumstances, the shopkeeper will not agree if he is not familiar with you. The best option is to apply for a credit card to pay in installments.

You can also try Tmall’s installment purchase. Tmall's "Instalment Purchase" calculates the credit limit based on the consumption data of real-name users. If the credit limit meets the standards, you can directly handle the installment purchase. If the credit limit is insufficient, you need to increase the credit limit by freezing the Yu'e Bao amount.

In addition to installment purchase on Tmall, you can also go to JD Mall to purchase Apple iPhone 6s through JD Baitiao. Purchase iPhone 6s in installments on JD.com, and you can apply for up to 12 installments. The current rate for JD Baitiao is 1.5% for the 3rd period and 6% for the 12th period.

In addition to purchasing Apple iPhone 6s on e-commerce platforms such as Tmall and JD.com, you can also go to Apple’s official website to pay in installments. Installments can generally be divided into 3, 6, 12, 18 and 24 installments. Banks do not charge handling fees for the three periods of 3, 6 and 12.

Many sales channels now support installment payments without credit cards, such as: Taobao Tmall, JD.com, Zhongguancun Online ZOL Mall, Pacific IT Mall, etc. Of course, there are also many offline stores. Installment without a credit card is supported, please consult your local dealer for details.

If none of these channels can help you, you can try to get a loan to buy an Apple mobile phone. It is also part of the monthly repayment. There is no obvious difference from installments, but my personal advice is to get a trustworthy loan. Location loans, be careful.

I want to buy an iphone6 ??and want to pay for it on installment plan, but I don’t have a credit card. Is there any other way?

The two most effective ways to apply for a large-amount credit card

One of the most effective methods: Submit proof of property

For large-amount credit cards, bank credit cards The choice doesn't matter, what matters is whether your property certificate complies with the bank's regulations.

Generally speaking, property certificates include: real estate, cars, financial products, etc. under the personal name.

Take Minsheng Bank as an example. Its large credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000).

If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.

But the bank does not accept the car title certificate.

Guangfa Bank, China Merchants Bank, etc. accept vehicle-related certificates.

The second most effective method: apply for a card with a card

Applying with a card is an effective way to apply for a large credit card. Taking Minsheng Bank as an example, applying for a card does not require any additional proof of assets: the applicant is required to have a credit card that has been used for more than half a year, and the credit limit of the card is at least 40,000. The application conditions are: the original card limit If you spend more than RMB 40,000, you can get a standard platinum card, if you spend more than RMB 80,000, you can get a deluxe platinum card, and if you spend more than RMB 150,000, you can get a diamond card.

When applying for a large credit card, according to the bank's scoring system standards, certain conditions are most applicable, such as a good credit record, a superior career, a stable high income, high deposits, etc.

If you can’t get a recommendation card, you can only spend money to find someone.

To apply for a card or withdraw cash, you can contact me.

I want to buy an Apple 6P but I don’t have a credit card, how can I pay for it in installments?

The first is to save enough money and buy it in one go;

The second is to apply for a credit card as soon as possible for installment. If you want to buy iPhone

6

plus (National Bank 16G price is 6088), the credit card limit must be at least 6,000. If the limit does not reach the product price, it will not be possible. Purchase or installment.

Currently, the only normal channel that supports installment purchases is through credit cards.

How to buy a mobile phone in installments without a credit card

If you don’t have a credit card to buy a mobile phone in installments, you can use the following methods:

1. Purchase when merchants are promoting installments. , merchants launch installment payment services, and choose to purchase mobile phones that can participate in the installment payment service.

2. Choose your mobile phone to purchase installment products on JD.com and Tmall.

3. Apply for XX installment on a third-party payment website.

Buying a mobile phone by installment in a physical store:

1. Many mobile phone stores currently cooperate with consumer credit companies. As long as the consumer has the ability to repay, and holds his or her ID card and bank Card, you can go directly to the store to handle installment payment, which can generally be divided into 6 installments, 12 installments, 24 installments, etc. Consumers can choose according to their actual situation.

27 If consumers have a credit card, they can also use the credit card to overdraft consumption, and then pay the credit card bill in installments.

Buying a mobile phone by installment payment online:

1. First of all, you need to have a credit card. If you don’t have one, please go to the bank to apply for it first. Then the iPhone13 phone (system version: iOS15.0) enters the web page and logs in. Then search to find the mobile phone you want to buy. Here, try to choose some reliable merchants with high sales, then click to enter the product purchase page, select the mobile phone color and package, and then click "Buy Now". When buying something on Taobao, if the price of the purchased item is less than 4,000, you can choose to pay in installments with Huabei, including 3, 6, 9 and 12 installments. After choosing the installment method that suits you, click Installment Purchase.

2. Enter the payment interface, fill in the recipient's name, phone number, address and other contact information, and click to submit the installment order.

Generally speaking, if the credit card holder continues to repay the loan on time after applying for installment, it will not have an impact on the personal credit report. On the contrary, if you apply for installment payment, it just proves that the consumption demand of credit card holders is relatively strong. If the cardholder applies for a limit increase to the bank later, it will actually increase the probability of the limit increase application being approved. Credit card installments can be repaid in advance, but you need to contact customer service in advance to terminate the installment. Cardholders need to be reminded that once the installment application is successful, it is irrevocable. Even if the installment is terminated in advance, the handling fees for the remaining installments will still be charged.

What should I do if I don’t have a credit card to buy iPhone 6 in installments?

1. Purchase in installments through Apple’s official website

On Apple’s official online store website, we can see that there are no formalities required. Introduction to installment payment;

Currently, banks that support credit card installment payment include ICBC and China Merchants Bank. You can see that as long as the installment is no more than 12 installments, there is no handling fee; if you want to pay in installments, you can Just consider buying it directly from Apple’s official website.

2. Credit card installment comparison

Using the Hong Kong version price: iPhone 6 RMB 4,424.

It can be seen that Hua Xia Bank has the lowest total interest fees, followed by Industrial and Commercial Bank of China, followed by Bank of Beijing and Agricultural Bank of China. China Merchants Bank, Everbright Bank, and Minsheng Bank have the highest total interest rates.

Compared in six periods, it can be seen that Hua Xia Bank has the lowest, followed by Bank of China, Agricultural Bank of China, ICBC, and Beijing. The highest is Shanghai Pudong Development Bank.

Comparing the 12 installments, it can be seen that Huaxia Bank has the lowest total installment interest, and the highest is Shanghai Pudong Development Bank.

Is a credit card required for iPhone installment payment?

Yes, a credit card is required for iPhone installment payment.

1. Installment payment on Apple’s official website uses credit cards, not debit cards. However, installment payments can only be made if the credit card limit can be paid in full. At the same time, the installment payment on Apple’s official website also supports fancy installment payments. After the application is successful, the bank will automatically deduct the money regularly. Users only need to pay their credit card bills on time.

2. Installment purchases on Apple’s official website require a credit card, because only credit cards can be used for installment purchases. The debit card is for full payment and does not have an installment feature. In addition, when purchasing Apple products, you do not have to purchase them on the official website. You can also buy on JD.com, Tmall, Taobao and other platforms. In addition, JD.com can use JD Baitiao to pay in installments, and Tmall and Taobao can use Huabai to pay in installments without a credit card. Note that when purchasing Apple products in installments on JD.com, Taobao and other platforms, you need to have sufficient funds.

For example, if you purchase 8,000 items, your amount needs to be 8,000 or more. One time deduction and repayment in installments.

1) Installment payment is a transaction payment method commonly used by modern people. Many times, we want to buy a product or enjoy a service, but we don't have enough money for the time being. We can transfer the payment pressure to later stages by paying in installments. First, we should determine the amount of funds we need. If you need a small amount of money, you can choose some loan platforms with lower amounts. If you need more funds, you can focus on platforms with higher loan amounts. Secondly, we should also consider the number of installments we want. Currently, the repayment period of most loan platforms on the market is 3 months to 3 years. The most important point is that we should choose some formal big brands. The loan products launched by formal platforms will be more reliable and formal.

2) If you use a credit card for installment payment on Apple's official website, the system will deduct the payment amount of the Apple phone from the available credit card limit in one go. After that, users can repay on time according to the number of installments. In addition, Apple’s official website has a cooperative relationship with China Merchants Bank. Pay by installment directly with China Merchants Bank and enjoy interest-free discounts. If you pay by other methods, you need to pay the entire amount in one go. There is no interest-free period, and you must pay in real time on Apple's official website.

This ends the introduction on how to buy iPhone 6 in installments without a credit card and how to buy Apple 13 in installments without a credit card. Did you find the information you need?