How to Apply Laptop Monthly Installment UAE without a Credit Card

For many people, having a credit card comes in handy, especially when you do not want to carry around so much cash, or when you want to buy something on installment. As long as you are able to pay your bills on time and manage your finances wisely, using a credit is no biggie!

However, if you tend to let your bills pile up, while buying items left and right –then perhaps you need to think twice about getting a credit card. Likewise, if you simply prefer not to have a credit card, but would like to buy products on installment, then this article is for you. Keep on reading to learn more about how you can purchase laptops and other items on installment… without a credit card!

How to Apply Laptop Installment UAE without a Credit Card

Buying a Laptop on Installment Without a Credit Card

Can you buy a laptop on installment without a credit card? Yes, absolutely! The “buy now, pay later” trend has recently become popular in the UAE. “Fintech” startups such as Tabby, Tamara, Cashew, Postpay, and Spotii offer installment options for shoppers, including those who don’t have credit cards.

Below is a brief description of each startup, along with the requirements and installment options provided. We have also listed some of the retail partners connected with each service. Without further ado, let’s take a look at how you can buy laptops and other items, without having to present a credit card!

1. Tabby

Tabby is a service that has partnered with over 20 e-commerce brands, including, Abdul Samad Al Qurashi, and Apparel Group, the owner of Tommy Hilfiger and Aldo.


To be eligible for Tabby, you need to:

  • Be 18 years old and above;
  • Be a resident of the UAE; and
  • Have a good credit history.

Installment Options

As for installment payments, there are two options offered by Tabby: (a) Four payments over a period of two months; or (b) Three payments over a period of three months.

If laptops and electronic gadgets are what you need, you’d be delighted to know that the following brands have also partnered with Tabby: Audio Shop, Exphone, Harman House, Hi Smart, Sage Appliances, Shopkees, USBS, Afra UAE, Digitech, Fonezone AE, HiPhone Telecom, Huawei, Sharaf DG, and Teckzu.

To learn more about Tabby and its services, you can visit its official website.

2. Tamara

“To give everyone the chance to shop without worrying about big payments, hidden fees, or interest.” This is the main goal of Tamara, another startup that offers installment options for customers.


To avail of Tamara’s services, you must be: (a) 18 years old and above; and (b) a citizen or resident of the UAE, Kuwait or Saudi Arabia.

Installment Options

There are two installment options offered by Tamara:

  • Three installment payments for a period of 60 days; or
  • Full payment after 30 days, without incurring any costs.

Both of these options sound really convenient, right? Especially if you are really keen on buying new clothes, electronics, accessories, and other products. Notably, Tamara’s partner brands include Diesel, Guess, L’occitane, Nokttain Electronics, Puma, Tory Burch, Afra Electronics, Go Dukkan Electronics, Lacoste, Mobile Outfitters, Popsy Electronics, Shein, and XR360 Electronics.

Head to the official website of Tamara to know more about its services.

3. Cashew

“Cashew” has such a nice ring to it, don’t you agree? It also happens to be one of the most popular fintech startups in the UAE, with over 20 local and international partner brands.


To qualify for Cashew, you need to:

  • Be at least 21 years old;
  • Have an Emirates ID;
  • Have a UAE phone number;
  • Have a valid email address; and
  • Have a debit card or credit card issued in the UAE.

Installment Options

There are two installment options provided by Cashew:

  • “Delay” option — Buy an item, make payments over a period of 14 days; or
  • “Divide” option — Cost is divided into three equal monthly installments.

Interestingly, Cashew has several international partners, including Arabian Oud, A to Z Furniture, Morgan, OMG Auto Repairs, Peak Fitness, Afaq Centre, Avioni Home, Eye Fashion Optics, Designitch, Optic One Opticals, and The Design House. As for electronics partner brands, there’s Cliff, Harman House, MDS Mobile, Quick Tech, Berry, Datcart, iStyle, Menakart, and Sharaf DG.

For more details about Cashew, you can visit its official website. You can also contact them by sending an email to or calling +971 4 561 6811.

4. Postpay

With more than 20 local and international brands as partners, Postpay is among the emerging fintech startups in the UAE.


To be eligible for Postpay, you need to:

  • Be at least 18 years old;
  • Have an Emirates ID;
  • Have a UAE mobile number; and
  • Have a debit card or credit card issued in the UAE.

Installment Options

Postpay offers a number of installment options, including:

  • Two payments — one half payment on the day of purchase, and the other half to be paid the following month; or
  • Four installment payments — to be paid every two weeks or monthly, without interest.

Meanwhile, here’s a list of some of Postpay’s partner brands: American Eagle, Dubai Audio, Gulf Optic, Kcal, Perfect Balance, The Giving Movement, Victoria’s Secret, Al Qudra Sports, Asghar Furniture, Eggs & Soldiers, Home and Soul, La Maison, Squat Wolf, The Skin Institute, and XDubai.

Head to the official website of Postpay for more information. You can also get in touch with them by sending an email to or by dialing +971 4 215 6555.

5. Spotii

This service takes its name from the slang expression “spot me,” which means “lend me.” So the next time you hear “Spotii,” you’ll know what it’s all about!


If you want to qualify for Spotii, you need to:

  • Be at least 18 years old;
  • Have a UAE phone number; and
  • Have a valid email address.

Installment Options

Spotii users have the option of paying for items in four installments, without interest. Please note that the first installment must be paid upon purchase.

Meanwhile, Spotii’s partner brands include Gold Zone, Ounass, Time House, The Plush Posh, Ajmal Perfumes, Laflor Store, Shein, and The People of Sand. In addition, its electronic partner brands are Arabian Shoppe Portal, Britstar Mobiles,, Jumbo Electronics, Revibe, Simplyfy, Trendizmo, Alataff Electro, Asus, Datcart, IX Gamers, LetsTango, Sharaf DG, Tecdeal, and WafiApps.

Visit the official website of Spotii to learn more about this service. You can also call them at +971 4 275 3550 for more details.


If you are among those who would like to buy laptops and other products on installment, but you don’t have a credit card — the above fintech services are just for you! By taking advantage of their installment options, you can easily buy laptops, clothes, furniture, appliances, and many more… without having to break the bank!

Speaking of electronic gadgets, if a new mobile phone is what you need, here’s how you can apply for mobile phone monthly installments without a credit card.