Where to buy electronics at interest-free repayments?

[93f0rc3]

Hi Fellow Carbz,

Where can one buy electronics with interest-free repayments, much like raru.co.za, but repayments over a few months eg. 3 or 6 months or so?

Thanks in advance!

 

[crackOlicious]

I'm not sure but you going to get a lot of guys telling you if you can't afford it, don't buy it.

Sent from my SM-A715F using Tapatalk

 

[93f0rc3]

The plan is not to tap into my overdraft or credit card (it's meant for a crisis situation), hence the question. Guess I'll have to save for the damn thing I want so bad right now...Black Friday is not too far away I guess...

 

[mujeeb1]

if you can't afford it, don't buy it.

 

[PsychoticKing]

Honestly i dont think you will ever see such a thing. The whole idea of people lending you money is to make money on interest. No interest means funds tied up in something thats not profitable.

 

[llewellyn4237]

Search for payjusttow, interest free over 3 months. not sure if there is any pc shops on there. i use it for cape union mart.

 

[93f0rc3]

Search for payjusttow, interest free over 3 months. not sure if there is any pc shops on there. i use it for cape union mart.

Thanks will have a look!

 

[Sub-lime]

FNB CC is interest free for 55 days

 

[llewellyn4237]

Thanks will have a look!

payjustnow, spelled wrong in previous post

 

[solz]

think there was or still is something called teljoy? rent to own? 3,289.29 not sure if they interest free or not. maybe same places might have lay buy if I said that correct but think you pay them once paid full you take you sheez

 

[Vetpiet]

TymeBank is about to launch MoreTyme - 50% upfront and two interest free 25% installments every 30 days after that.

 

[Vetpiet]

Some retailers offer mobicred but I find their interest rate just way too high

 

[ovisser1]

think there was or still is something called teljoy? rent to own? 3,289.29 not sure if they interest free or not. maybe same places might have lay buy if I said that correct but think you pay them once paid full you take you sheez

I would stay miles away, you pay through your teeth with them.
I would say using a credit card is cheaper 99% of the time compared to teljoy.

 

[PsyWulf]

Some vendors support Payflex as payment method,that's also interest free over the period (3-6 months?)

 

[93f0rc3]

Cool thanks guys I will check all the options

 

[f0Ri5]

if you dont buy it, you cant afford it

- Warren Buffet, probably

 

[Techfox]

For the smaller guys, you'll probably only find the following two;

- Payflex: splits your payments over 4 equal amounts, paid every two weeks.The first amount could be higher if you score lower on their system

- PayJustNow: does something similar, but only offer small amounts (I think it was only R2,500) so you won't find them at many PC/electronic stores

As far as interest-free goes, I think that's your options outside of lay-bye

 

[Byakugan]

Lay-bye is a good option if you dont need it immediately. No interest, not sure if electronic stores do this though.

I used Payflex once, it splits your payment over 4 equal payments over 6 weeks. Its interest free. If you time it right you can have the item split over 2 salary cycles. Payflex doesnt use a scoring system though? I didnt need to.

The website I bought off had a R250 first time buyers voucher and Payflex had a R100 voucher for first time. So I got the same item for R350 less than if I went to the store