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Buy MacBook On EMI Without Credit Card

Laptops have revolutionised the workspace and emerged as an ideal computing solution. Users who previously used personal computers (PCs) are slowly making a transition to laptops owing to their high portability, accelerated speed, and upgraded features. These factors have caused the prices of laptops to skyrocket.

For anyone who values high-quality hardware, user-friendly software, strong security features, and best-branded configuration, owning a MacBook can be a dream come true. The sleek, lightweight, and durable design of the MacBook comes with the macOS operating system, which is renowned for its ease of use and intuitive interface. However, the high price tag can be a barrier for many and not everyone has that much free cash available. This is where you can download the Finnable app and complete a simple application process to buy a MacBook on EMI.

Buy MacBook On EMI with Zero Downpayment

The high price of a MacBook should not discourage you from buying it. Equated Monthly Instalment, or EMI, allows you to pay for a MacBook in instalments over a period of time, making it affordable for those who are on a tight budget. You can buy a MacBook on EMI and zero down payment, courtesy to Finnable. Get your desired laptop without undergoing the trouble of paperwork or paying a hefty cost upfront. Finnable’s seamless EMI plan comprises a digitalised process with minimal documentation and a smooth online checkout experience. Here is a step-by-step guide on how you can purchase a MacBook on EMI with Finnable:

– All you are required to do is set up a profile using Finnable’s website or by downloading the personal loan app from the Play Store.

– Enter your contact information.

– Choose the type of loan and enter the amount needed.

– Select an EMI plan that works best for you.

– Check your eligibility for the loan.

– Submit the required documents, which may include your income proof, address proof, ID proof, and a professional selfie.

– Your bank account will be credited once the documents are validated.

Why Should You Buy a MacBook On EMI?

There are many benefits of buying a MacBook on EMI, some of which can be elaborated as follows:

  • Affordability: Purchasing a MacBook is a heavy investment and making an upfront payment may not be feasible for everyone. Availing an EMI allows you to spread the cost over a period of time. So, you can purchase a MacBook and use it without being burdened by financial stress. 
  • Secure savings: You can easily manage your EMIs within your regular monthly expense without depleting your savings or using up your emergency reserve.
  • Flexible repayment: You can conveniently pay small instalments every month. There are different payment plans available for 6 to 36 months of repayment and you can opt for the one you are most comfortable with, which enables you to manage your finances better.
  • No or low down payment: Options like no-cost EMI and zero down payment can make purchasing a MacBook even more convenient.
  • Credit score improvement: Timely paying your EMI instalment can reflect well on your credit score, making it easier for you to get credit in the future.
  • Quick approval: All it requires to make this purchase is your ID and address proof. Most consumer durable loans are authorised instantly with no additional steps required. 

Additional benefits: Online stores provide high-value-added services and offer the products at a lower cost. Therefore, you can avail of the EMI or zero interest rate facility along with special discounts or make a purchase whenever you come across a good deal.

MacBook EMI Calculator

Before applying for an MacBook on EMI, why not be a little more certain about your EMI loan and its interest rate?

  • Loan EMI

    Rs. pm

  • Total Interest Payable


  • Total Amount Payable


The EMI calculator will keep you updated on the total EMI cost of your new MacBook over the period you specify, allowing you to plan accordingly. Increasing/decreasing your EMI relies on the interest rate, monthly interest amount, and total loan.

The EMI calculator will support you in this decision-making process. With the help of Finnable’s EMI calculator, you can determine how much your monthly payments will be. Additionally, doing this will aid in keeping your credit score high.

  • To use the EMI Calculator, please visit the Finnable website.
  • You’ll need to provide the Loan Amount, Interest Rate, and Loan Term. You can use the slider to make changes, or you can enter the information manually.
  • The EMI calculator will then reveal the Entire Amount due, broken down into the Interest payable and the total EMI Loan.

Additionally, you can explore more advanced parameters to find the best EMI option that matches your needs.

MacBook Key Specifications

To assist you in making the best decision, we have compiled the following table detailing the features of each of the MacBook models.

Specs MacBook Air (M1 chip) MacBook Air (M2 chip) MacBook Pro 13 MacBook Pro 14 and 16
Retina Display
33.74 cm
34.36 cm
33.74 cm
35.97 cm or 41.05 cm
Up to 12-core
Up to 10-core
Up to 38-core
Unified Memory
Up to 16GB
Up to 24GB
Up to 24GB
Up to 96GB
2 TB
2 TB
Battery Life
Up to 18 hours
Up to 18 hours
Up to 20 hours
Up to 22 hours
720p FaceTime HD camera
1080p FaceTime HD camera
720p FaceTime HD camera
1080p FaceTime HD camera
1.29 kg
1.24 kg
1.38 kg
1.60 kg or 2.15 kg

MacBook Price List

Model Price
MacBook Air (M1 chip)
Rs. 99,900
MacBook Air (M2 chip)
Rs. 1,19,900
MacBook Pro 13
Rs. 1,29,900
MacBook Pro 14 and 16
Rs. 1,99,900

How to Buy a MacBook on EMI with Finnable?

Setup Profile

Set up a profile via the Finnable website or by downloading the personal loan app from the Play Store and providing your contact information.

Choose Type of Loan

Choose the type of loan and enter the amount needed. Select an EMI plan that works best for you.

Check Eligibility

You can check your eligibility for the loan, by simply submitting our eligibility check form.

Submit Documents

Submit the required documents.

Congrats! Your bank account will be credited once the documents have been validated.

Loan EMI Calculator

Eligibility Criteria for MacBook EMI

Documents Required for MacBook EMI

FAQs About MacBook EMI & Down Payment

Yes, Finnable makes it easy for you to get your hands on a MacBook without feeling a pocket pinch. You can purchase a MacBook on EMI without using a credit card, wherein you can apply for an EMI through your debit card or bank account.

To apply for an EMI, you are required to meet the following eligibility criteria: 

- Must be an Indian citizen

- Be of 21 years or above and below 60 years of age

- Must have a full-time job in the public or private sector

- Have a minimum monthly income of Rs. 15,000

- Have a credit score of 700 or above

After evaluating your application and validating your documents and creditworthiness, Finnable can ensure that you get the loan you need to purchase a MacBook on EMI.