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How To Avail An Installment Plan On Lazada Without A Credit Card

How To Avail An Installment Plan On Lazada Without A Credit Card

If you’re one of the many people who want to avail of Lazada's installment plans but does not own any credit card, welcome!

Lazada offer buy now, pay later plans for purchases such as furniture, appliances, electronics and mobile phones. With this type of plan, you can purchase something you need even without a credit card, and spread the payment over a period of time to fit your budget.

Here are the following installment platforms that can be used by non-credit card holders:


1. Atome Paylater is your financial technology partner that lets you secure a credit line of up to P10,000 for your Lazada shopping. Enjoy easy application, a 3 month-installment plan, no down payment, and approval in as little as 5 minutes!

Get access to your Atome credit line by following these easy steps:

1. Sign up your Lazada mobile number on the Atome website HERE.
2. Click on the download link that Lazada will be sending via SMS to download the Atome app from the Google Play Store.
3. Prepare the following requirements:

  • One (1) Valid ID
  • Screen shot of your Lazada profile, access HERE.
  • Screen shot of your first order on Lazada
  • Screen shot of your latest order on Lazada

4. Proceed with your application via the Atome app then wait for the SMS from Atome regarding your approval.

Once you have your credit line, you can now use the Atome app to transfer what you need into your Lazada wallet and get it in 24-48 hrs.




2. BillEase is one of Lazada’s online partner which helps provide customers the option to shop now and pay the full amount later. This is a low interest installment plan option that you can use when purchasing in Lazada.

1. Visit their official website HERE.
2. Declare the value that you want to lend. (This is ranging from ₱2,000 to ₱30,000)
3. Choose your preferred installment term. (Installment Term 1-3 months)
4. Click “Apply”
5. Once done, submit your personal details, and wait for approval. Approval lasts within 1 banking day so assure to submit your application before 6PM, or else your application will be submitted the next day.
6. After approval, you can get your disbursement straight on your Lazada Wallet.

For more information about using this installment plan, please click HERE.






3. Perajet is an innovative financial service that is designed and provided in cooperation with specialists from the mature European financial sector. Get your loan pre-approved in just 2 minutes with minimum requirements needed!

1. You will need:

  • One (1) primary ID
  • One (1)  Secondary ID (e.g. company ID or your ATM card for salary account)
  • Current proof of billing
  • Payslip - not older than 1 month
  • Selfie with your ID
  • Print screen/ Screen shot of your Lazada check out screen
  • Activated Lazada wallet
NOTE: Please have the above documents ready before submitting your application.

2. Submit your application by clicking HERE.
3. It takes only 2 minutes to be pre-approved - check your emails or SMS inbox.
4. Complete your application with updated requirements.
5. After that, they will ask you to remotely accept the terms.
6. Afterwards, money will be sent to your Lazada wallet.



4. Paylater is a registered mark and online personal loan facility providing Lazada E-Wallet Credits up to Php 10,000 payable in installments of 15 days to 2 months.

1. Get started with your Paylater loan.
2. Submit the needed information and upload the requirements
3. Get approved within 24-hours.
4. Receive your loan via your Lazada wallet.
5. Start shopping.





5. Pera247 is an installment plan where you can download the app, which by the way, is only available on Android phone with version 4.4 or higher. Its promise is to immediately show the full cost of your loan with no hidden charges with just a few taps away through your smart phone. You just have to fulfill the application within 5-10 minutes.

1. Visit the Lazada website/app, choose the item you want to buy and get its total price (item price + shipping fee).
2. Download pera247 app from Google Play Store.
3. Submit your application with just 1 valid ID and a selfie required.
4. Upon approval, submit screenshots of the following:

  • Lazada Wallet
  • Cash-in Request
  • Item in Lazada Cart


5. Credit will be sent to Lazada Wallet and customer can proceed in to order item in Lazada.
6. Purchase items in credits and repay eShopaLoan in equal 6 monthly installments.




6. PondoPeso is one of the unique Fintech platforms in the Philippines. It is a rapid and reliable online finance company with extensive experience in Internet Financial Technology wherein you have to download an application to apply for a loan. The maximum credit limit that you can obtain is 50,000 pesos, and the loan term is divided into 3 terms, one month per term.

1. Visit the Lazada website/app and register to PondoPeso by clicking HERE.
2. Complete the registration on the link and download the PondoPeso app from the Google Play Store.
3. Submit your personal information. This will be reviewed within 30 minutes. Once completed, you will receive a text to inform you of your approved credit limit.
4. Then, apply for a loan through PondoPeso APP. If the loan is successful, money will be credited directly to your Lazada Wallet.
5. Afterwards, you may start shopping and pay using your Lazada Wallet.






7. Tendopay installment plan option, by using vouchers, gives you the convenience of buying an item.

1. Sign up HERE to apply for an account
2. Wait for the approval of your application on Tendopay.
3. Purchase vouchers. You can purchase vouchers by clicking HERE. Limit purchases may vary from 6,000php to 30,000php. Please make sure that the loan value you applied is equal or lower than the item price, because, there will be no change provided.
4. Once done, you will receive the amount of the purchased voucher straight to your Lazada Wallet.


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