These days, electronic devices are part of our everyday lives. We can no longer imagine a day without our mobile phones, laptops, and tablets. Likewise, appliances such as TVs, refrigerators, washing machines, and air-conditioners have also become a necessary part of our day-to-day activities.
Of course, depending on the type of gadget and the brand, shopping for electronics means shelling out a considerable amount of money. Sure, we can use credit cards to buy such items… but what if we don’t have a credit card? Can we still purchase electronic gadgets in the UAE on installment? The answer is yes, we can buy them on installment, even without a credit card! Keep on reading to know how!
Buying Electronics on Installment Without a Credit Card
Recently, the “buy now, pay later” shopping trend has become extremely popular in the UAE. Several “fintech” startups have made it possible for people to purchase items and pay on installment, even if they don’t have a credit card!
Here is an overview of several startups that currently offer installment options for shoppers who don’t have credit cards. For each company, we have included the partner brands, customer eligibility (qualifications), and installment options.
1. Cashew
Established in 2019, Cashew was founded by Ammar Afif and Ibtissam Ouassif. Since then, it has partnered with over 20 local as well as international brands, namely: OMG Auto Repairs, Arabian Oud, The Design House, Optic One Opticals, Designitch, Peak Fitness, Avioni Home, Afaq Centre, and many others.
Notably, the following electronics brands have also partnered with Cashew: Aroma 24/7, Cliff, Datcart, Du, iStyle, MDS Mobile, Quick Tech, and Robam.
Customer Eligibility
To be eligible for Cashew, a customer needs to:
- Be 21 years old or above;
- Have an Emirates ID;
- Have a valid email address;
- Have a UAE phone number; and
- Have a UAE-issued debit card or credit card.
Installment Options
You can choose from two options offered by Cashew:
- Delay Option — Purchase an item, then pay in installments over a 14-day period; or
- Divide Option — The total cost is divided into three, to be paid in three monthly installments.
For more details about Cashew, you can get in touch with this company by dialing +971 4 561 6811, sending an email message to support@cashewpayments.com, or by visiting the firm’s official website.
2. Spotii
In 2020, brother and sister Ziyaad Ahmed and Anuscha Iqbal founded Spotii, a fintech startup that offers “buy now, pay later” options to customers. In case you were wondering, the company’s name was derived from “spot me,” a slang expression that basically means “lend me.” How interesting!
Shoppers can use Spotii when shopping online or in-store. It has a lot of partner brands, such as Ajmal Perfumes, Time House, Revibe, Shein, Laflor Store, Fitness Time, Dyson, The People of Sand, The Plush Posh, Simplyfy, Shopkees, and more.
Meanwhile, Spotii’s electronics partner brands include ACE, Britstar Mobiles, Desertcart, Exphone.ae, and Jumbo Electronics.
Customer Eligibility
To be able to use Spotii, a customer needs to:
- Be at least 18 years old;
- Have a valid email address; and
- Have a UAE phone number.
Installment Options
With Spotii, you can pay for electronics and other products in four installments, with the first payment to be made right away, upon purchase.
For more information about Spotii, simply dial +971 4 275 3550 or head to the company’s official website.
3. Postpay
Established in 2019, Postpay is one of the more recent startups that offer “buy now, pay later” options in the UAE. It has partnered with over 20 local and international brands, namely: Home and Soul, Perfect Balance, The Giving Movement, Asghar Furniture, Kcal, Eggs & Soldiers, Victoria’s Secret, Al Qudra Sports, and others.
In addition, among the electronics brands that have partnered with Postpay are Air Zone, Nutribullet, Safe Corner KSA, and Sage Appliances.
Customer Eligibility
To be eligible for Postpay, a customer needs to:
- Be 18 years old or above;
- Have an Emirates ID;
- Have a UAE mobile number; and
- Have a UAE-issued debit card or credit card.
Installment Options
Shoppers can choose from either of these options provided by Postpay:
- Two Installment Payments — One half to be paid on the date of purchase, another half in the following month; or
- Four Installment Payments — Four installments to be paid every two weeks or monthly, without interest.
You can know more about Postpay by dialing +971 4 215 6555, sending an email message to support@postpay.io, or by going to the company’s official website.
4. Tamara
Tamara is a Saudi startup that is now available in Saudi Arabia, Kuwait, and the UAE. Among its partner brands are IKEA, Golden Scent, Faces, Shein, Nice One, Najree, Namshi, Floward, and many more!
What’s more, the company has partnered with these electronics brands: Afra, Sada Almustaqbal, Alraddadi, Electron, Modern Electronics, Option Store, Tamkin, Aleph, Dukan Phone, Kitronic Store, Popsy, Nokttain, and Eddy, among others.
Customer Eligibility
Those who are interested in using Tamara must be:
- 18 years old or above; and
- A citizen or resident of the UAE, Kuwait, or Saudi Arabia.
Installment Options
There are two installment options provided by Tamara:
- Three installments, to be paid over a period of 60 days; or
- Full payment after 30 days, without incurring any costs.
Visit Tamara’s official website to learn more about the company’s services.
5. Tabby
Tabby was established in 2019 by Hosam Arab and Daniil Barkalov. Today, it is available in the UAE, Kuwait, Saudi Arabia, and Egypt. The company’s partners include popular brands like AliExpress, Amazon, Christian Louboutin, Foot Locker, Gap, H&M, IKEA, Lacoste, LEGO, L’Occitane, Nike, Shein, Tommy Hilfiger, Victoria’s Secret, and many more!
Moreover, the company has partnered with these electronics brands: Afra UAE, Audio Shop, Cartlow, Digitech, Go Dukkan, HiPhone Telecom, Huawei, Papita, Popsy, Power On, Rudy, Sage Appliances, Tecdeal, Teckzu, USBS, and others.
Customer Eligibility
To qualify for using Tabby, a customer needs to:
- Be 18 years old or above;
- Be a UAE resident; and
- Have a good credit history.
Installment Options
When using Tabby, the total cost is usually divided into four equal installments, to be paid over a period of three months. The first installment must be paid immediately, upon purchase.
For more information about Tabby, go to the company’s official website.
Summary
Buying a new mobile phone, laptop, or household appliance doesn’t have to be expensive! Also, you don’t need a credit card when shopping with the above “buy now, pay later” platforms. The next time you purchase an electronic device or gadget, consider using Cashew, Spotii, Postpay, Tamara, or Tabby!
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