Tablet in installments without a credit card – How to do without interest
Getting a tablet right away without having to pay the full amount at once, allows you to better manage your payment. However, it is not always convenient or even possible to do so by turning on a loan, or using a revolving credit card. In both cases there are various reasons why it is appropriate or necessary to find another system.
Among the main limits we find:
- you do not have a credit card with an installment payment option;
- you have a revolving card but the interest rate makes the purchase excessively expensive;
- you cannot ask for a loan because they already have others in progress;
- the minimum threshold for accessing the loan is not reached.
Regardless of the reasons why you cannot or do not want to buy a tablet with a credit card or normal financing, what is the alternative that can be exploited?
Viloan: how does it work?
Viloan is a payment extension system offered by Bankate, which allows you to pay in installments without requesting a loan. In addition to being able to request it you must use either an ATM or a check. Like other requirements we find only the fact that the merchant from whom we want to buy the tablet has an active Viloan agreement (this must be advertised with a clearly visible logo).
Before making the purchase you will have to tell the merchant that you want to activate the Viloan extension. At this point, through Pos, the operator will have to activate the request that will arrive within a few minutes. The fastest system is with the ATM because the buyer data is read by swiping the debit card itself.
Once the extension has been accepted each month, the sum of the installment will be withdrawn, on which there is no interest applied from the current account linked to the ATM or check.
Really at zero rate?
Viloan does not provide for the application of interest on the purchase. The number of installments starts at 6 months, but still depends on the agreement between Bankate and the operator. But if you really want to get an extension without costs, you should use an ATM that has no costs. There is also another aspect to consider: generally, ATMs linked to basic current accounts do not work with the system.