Skip to main content

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.


WHAT DO YOU THINK OF THIS POST?
Share your ideas by commenting.

 This post contains affiliate links to help you navigate when you're shopping online. See my Disclosure page for more details.

Labels:

Comments

Post a Comment

Popular Posts

Your Complete Commuters' Guide to UV Express/FX Terminals in Metro Manila

UPDATED January, 2020 Metro Manila’s hordes of workers pour in by UV Express. Times are a-changing. With the increasing temperature in the metropolis coupled by its worsening traffic condition , a newer, more convenient alternative of transporting people had risen above all else. They're called the commuter vans, or what are now popularly known as the Utility Vehicle (UV) Express and FX vans. READ: Complete Guide To nCoV: How Not To Misinform Yourself About The Coronapocalypse UV Express vans are all air conditioned, seat an average of 14 passengers and charge relatively cheap compared to the usual metered taxicabs. Their fares range from as low as P20 to as high as P50 per passenger. With the LTFRB (Land Transportation Franchising and Regulatory Board) serving as regulator of the UV Express franchise, the commuter vans has increased its service routes exponentially all around the country, including Metro Manila. READ: My Epically Awesome Traffic Jam Day In...
3 comments
Latest Stories

What to see and experience this Yuletide season at Araneta City

It’s the most wonderful time of the year at the City of Firsts! This jolly season, Araneta City invites you to celebrate the holidays and create festive moments with loved ones through its “Christmas Bliss: Making New Memories” festivities. From beloved traditions to exciting new attractions, there’s something for everyone to enjoy at Araneta City! Marvel at the colorful Christmas trees. Araneta City’s iconic Giant Christmas Tree, located beside the Green Gate of the Smart Araneta Coliseum, is a must-visit. Standing 75 feet tall and beautifully decorated, it’s a perfect backdrop for holiday photos. Don’t miss also the grand Christmas trees located at Gateway Mall 1 and 2, Ali Mall, and Farmers Plaza. They’re a wonderful reminder of the warmth and joy of the season, and good photo spots to glam up your social media. Watch the colorful fireworks display. Cap off your evenings with a dazzling Fireworks Display every Friday to Sunday...
Post a Comment
Latest Stories

Discover your perfect pasta pairing with Doña Elena

From pasta and pizza to dips and spreads, Doña Elena has the perfect Italian sauce for you. Cooking at home brings joy, but it’s the shared meals with family and friends that make the experience truly incomparable. Pasta is a family favorite for a reason—it’s comforting, versatile, and perfect for both daily meals and special celebrations. And whether you’re focused on healthy cuisine or simply love cooking, there is a Doña Elena product for every cooking need, thoughtfully crafted to inspire  dishes for both intimate meals and grand gatherings. As a leading and well-loved brand of olive oil and other Mediterranean cooking ingredients,  Doña Elena continues to make gourmet experiences at home accessible. And a recent addition to the brand’s wide range of high-quality products are Doña Elena Pasta Sauces, made from fresh and fine ingredients, with no preservatives. From pasta and pizza to dips, spreads, and marinades, ...
Post a Comment
Latest Stories

Ideas in Motion: TechLife Launches the Pad Pro 12” and Smart Watch Series

In a world where ideas must translate into action, TechLife unveiled its first flagship pad, the TechLife Pad Pro 12” alongside the Smart Watch P1 Lite and Smart Watch L2 , in a livestream launch on Facebook. Crafted to bridge the gap between thinking and doing, the TechLife Pad Pro 12” equips young professionals to move seamlessly from inspiration to execution. In a fast-paced landscape where creativity, deadlines, and constant demands overlap, they need a tool that can keep up with their momentum. The TechLife Pad Pro 12” is the productivity powerhouse built to turn quick thoughts into bold results. Here are four reasons that make it a must-have for modern productivity: A Crystal-Clear Canvas for Big Ideas The 12.2” 2.4K FHD+ display, paired with a 90Hz refresh rate and 480 nits of brightness, delivers stunning clarity and fluid visuals. Every pixel brings ideas to life, whether it be designing layouts, reviewing footage, or reading...
Post a Comment
Latest Stories

‘Tis the Season to Flexi: Stay Merry and Ready This Holiday Season with PSBank

It’s that time of the year again when homes light up, families reunite, and friends gather to celebrate the season. From gift-giving and festive dinners to long-awaited getaways, the holidays are all about creating moments that matter. But amid the cheer and excitement often come extra expenses that can make budgets feel tight. To help Filipinos enjoy a worry-free and joy-filled season, Philippine Savings Bank ( PSBank ) offers a smart and flexible way to stay financially ready with PSBank Flexi Personal Loan — a collateral-free loan that lets you access funds anytime, anywhere, so you can focus on what truly matters: making memories with the people you love. Here are a few ways you can make your holidays stress-free with PSBank Flexi Personal Loan: Beat the rush and finish your gift shopping early Whether you’re shopping for family, friends, or officemates, PSBank Flexi Personal Loan makes early gift buying simpler and stress-free. ...
Post a Comment
Latest Stories

How much is the penalty for 5 years late registration of motorcycles?

UPDATED December, 2020 Got late in your motorcycle registration renewal? Driving an unregistered motor vehicle carries with it a fine of P3,000 if apprehended by Metropolitan Manila Development Authority (MMDA) officers and P10,000 if by LTO traffic personnel. Worse, if the non-registration exceeded one month, the vehicle will be impounded and released only once the vehicle has been registered and the corresponding fines and penalties have been paid. To help you prepare for your visit at the LTO, here's a brief guide on how much money you're going to spend on your motorcycle registration renewal. READ: Complete Guide To nCoV: How Not To Misinform Yourself About The Coronapocalypse What's covered in this guide? 1. LTO penalty formula by weeks 2. Sample computation (if 5 years late) 3. How to renew your motorcycle registration  - Requirements  - 5 step guide YOU MAY WANT TO WATCH:  Motorcycle Transfer of Ownership and Renewal of Registration ...
5 comments
Latest Stories

Kenny Rogers Roasters celebrates Solo Love on National Singles Day

Kenny Rogers Roasters announced the anticipated return of its celebrated campaign, the Solo Love Club. Now in its second year, the movement continues to champion self-love and individuality by reframing November 11 from a mere “Deals Day” or “Single’s Day” into a true “Day of Solo Love.” This year, the celebration comes to life through the “I Stick To Myself” Sticker Drop campaign—an empowering reminder for everyone to honor the most important commitment they can make: the one to themselves. Building on the brand’s “I Love Me Better” platform, Kenny Rogers Roasters extends its advocacy for self-worth and personal wellness beyond the plate. While “I Love Me Better” focused on nourishing oneself through deliciously healthy meals, Solo Love Club translates that message into a cultural statement—celebrating independence, confidence, and the joy of one’s own company. Together, “I Love Me Better” and “Solo Love Club” reinforce Kenny Rogers ...
Post a Comment
Latest Stories

Crossover Wars | Why The Xpander Cross Might Have Reason To Fear The Suzuki XL7

The Mitsubishi Xpander was an instant phenomenal hit when it came out on 2019 and has remained so until today. Xpander's major competitors in the MPV market, Toyota Rush, Innova and Avanza, Honda BR-V and Mobilio and the Suzuki Ertiga, were caught by surprise by the Xpander's popularity and it's taking them forever to offer a proper response. Meanwhile, the Xpander's continued superiority paved the way to a new variant, a crossover SUV called the Xpander Cross which was unveiled in Indonesia November 2019 and is expected to hit the Philippine market in the first quarter of 2020. Fortunately, Suzuki might have something under its sleeves, too. The new Suzuki XL7, the Ertiga-based crossover SUV which is set to premiere for March 2020. The Suzuki Ertiga was also a phenomenal hit and is said to be a contributing factor of Suzuki's massive sales in 2019, which increased by 21% (23,919 units compared to 19,740 units in 2018). This big increase catapulted Suzuki to fift...
Post a Comment
Latest Stories

Quick guide to having your car blessed in Manaoag church

UPDATED January, 2023 Buying a car is always exciting. Comparing features, choosing the color, and the multiple test drives. If you have already bought one, it's likely that you've now mapped out your schedules and  travel itineraries for the next two months. That said, you do need to make one more step to make sure you have everything covered -- and that is to have your new car blessed. Why bless your car? You are most proud of the blessing that God has bestowed upon you, so it's just fair to return the favor by having your car blessed, too. When I bought a new car a few months ago, I had it blessed at the Minor Basilica of Our Lady of the Most Holy Rosary of Manaoag in Pangasinan. What's covered in this guide? 1. How to get there via NLEX, SCTEX, TPLEX and Toll Fees 2. Binalonan Exit to Manaoag Church 3. Car blessing schedules 4. Attending the Holy Mass, visiting the museum, etc. 5. Where to get food, souvenirs, pasalubong HOW TO G...
Post a Comment
Latest Stories