Buy headphones on EMI
With the increase in usage of smart phones, laptops headphones are popularly used. With the distance travelled by people to and from office is long the usage of headphones to listen to songs or watch movies has become a common practice.
The headphones also to help with these come with noise isolation or noise rejection technology to help the listener. People look for that crystal clear sound when using headphones or extra bass for the beats. There are a varying number of head phones with limited features starting from Rs. 100 to more feature rich products costing more than Rs. 50,000. With so many options, buyers can choose headphones that they need with the features they require to the price they are comfortable with.
We here are giving different type of options (Financial) which will help buyers get their favorite headphone.
EMI Cards:
Bajaj Finserv’s EMI Card is one option to buy your headphone. An EMI Card is essentially a pre-approved loan which converts various purchases into easy EMIs. You can additionally choose your tenure and the amount that you are comfortable with to pay as EMIs. If you want to pay off your purchase earlier, there will be no penalty on foreclosure.
Credit Cards:
Some credit cards will also provide offers on getting the new headphone. The other advantage is that after buying the headphone 8 or 8 plus you can ask the card issuing bank to convert your payment into EMI which you can pay off at your leisure.
Consumer durable loans:
There are many finance companies like Bajaj Finserv, Tata Capital, CapFirst, and Home Credit that offer consumer durable loans, which you could use to buy your mobile phone on EMIs. You can shop for your favorite mobile phone at one of the partner outlets and apply for the loan at the bill counter or apply for it online on their website. Documentation is minimal. If your documents are found to be in order, you will be approved, and you can walk out with your dream mobile in your pocket the very same day!
Lending technology platforms:
With new advances in financial technology every day, you can now buy your headphone with the help of online lenders, using just your existing debit card! You can take advantage of various online lending platforms that let you shop using your debit card and convert it into easy EMIs. Thanks to platforms like ZestMoney, Finomena, and FastBanking (now Kissht), you can shop with your debit card and have your purchase converted into easy EMIs. Approval is fast and documentation required is minimal.
EMI on your existing debit card:
Banks like Axis, HDFC and ICICI Bank lets their customers buy mobile phones and other gadgets on EMI using their debit card! If you are a customer of any of these banks, you can simply buy your mobile phone by visiting the partner outlet where this offer is available. You can check with the bank’s website for details on partner outlets and eligibility. Keep in mind that you will need the requisite balance in your savings account for the transaction to be approved.
Personal loan
You can also get a personal loan to get the new headphone. Before going for this option check your credit score and make sure you have a very good score so that you can a get a good interest rate.