If you are shopping at a physical retail store (like Croma or Reliance Digital), you can apply for a spot loan.
: Verification is typically done in-store within minutes, and you may be required to pay a small down payment. Comparison Table: EMI Options Without Credit Cards Key Advantage Typical Provider Debit Card EMI No new application needed Existing bank customers HDFC, ICICI, SBI Cardless EMI "No Cost EMI" deals Electronics & Furniture Bajaj Finserv BNPL / Pay Later Instant digital approval Smaller daily purchases Amazon Pay Later, Flipkart In-Store Loan Physical assistance Major appliances Loan Pe Phone , Tata Capital
These services provide instant credit for smaller to medium purchases, often with the option to split the cost over 3–12 months.
: At the checkout of major retailers like Amazon India or Flipkart, select "EMI" as your payment method and choose "Debit Card EMI."
