Do you need to place an order in installments without a credit card? So, know that you are not the only one who has this need, as many people today may not have access to a credit card.

In short, this happens when you have a negative profile or when you still don't have any credit history. In these scenarios, card companies hardly release a good limit to make your purchases.

However, we all have the need to make larger purchases that need to be paid in installments. But when we are without a credit card, this activity seems to become almost impossible.

However, the good news is that today there are alternatives to credit cards that you can use to make purchases in installments! To get to know them better, just keep reading this article!

As much as it may not seem, it is possible to make purchases in installments without having a credit card with the necessary limit.

Nowadays, many companies seek to allow people to have access to different credit options so that they can carry out their purchases normally.

Because of this, it is possible to find several options for making a purchase without a card. Among them are the PIX in installments and the digital booklet. Both are relatively new modalities that emerged to provide access to credit.

But, don't worry, throughout this text we'll talk more about the alternatives for you to know how to buy in installments without having a credit card.

Although it is really possible to make purchases in installments without having a credit card, it is still common to have doubts about whether this option is really good.

After all, when buying something, no one wants to end up getting into debt, so it's common to be suspicious of the options presented.

But in general, making purchases in installments without a credit card is a worthwhile option, and that can often offer even more advantages than buying with a credit card, such as:

Did you see? Buying in installments without having a credit card is also an interesting and advantageous alternative for you!

But which options to buy in installments offer these and other advantages? That's what you'll learn about in the next topic.

Now that you know that it is possible to buy in installments without having a credit card and that this option is reliable and advantageous, the time has come for you to really know what these options are!

So, in total, you can choose between 5 different alternatives to make your purchases with peace of mind without having a credit card.

Below, you can find out more about what they are, their advantages and how to use them to make your purchases!

Firstly, we have the installment payment option, which is already active in several stores and has become the preferred option for people to buy without having a credit card.

Thus, from this option, you can divide the total amount of a purchase into several slips with smaller installments that will be paid over time.

An interesting feature of this option is that the value of each slip does not have to be the same. Therefore, you can agree with the retailer different values that in the total sum give the value of your purchase.

In this way, this option offers more flexibility for those who buy and for those who sell.

Another very interesting option to pay for your purchases in installments without having a credit card is using the PIX in installments.

After PIX emerged, it became a rage among people who can now make transfers quickly and the money drops instantly.

Given this, the Central Bank decided to implement updates to this payment option, thus creating the PIX in installments.

With it, you can divide your purchases into installments of up to 24 installments with an increase in interest that the financial institution can apply. This way, you can pay the installments made every month without having the card.

Also known as carnê, crediário is a payment option that is very present in the lives of Brazilians and that today has already gained its digital version to allow you to shop online.

From it, you can have a limit with a store so that you can pay in installments for a purchase that you want to make.

Thus, the store can pay your purchase in up to 24 installments with interest on each installment to be paid by you.

In this way, every month you receive a bank slip referring to the credit card to make the payment and settle your purchase.

If you are more attuned to the digital world and prefer to settle your affairs through this channel, automatic debit installments may be a good option for making purchases in installments without a credit card.

From it, you can easily divide your purchase, but the payment of installments occurs automatically, without you having to pay a bill.

Thus, the amount referring to the installment will be automatically deducted from your account balance.

Finally, the last option on our list is the credit market, which is a payment method offered by Mercado Livre for e-commerce purchases.

Thus, with it, the public can pay their purchases in up to 12 installments with a small increase in interest that can vary according to the number of installments.

This way, you are more relaxed to take advantage of the promotions that Mercado Livre has and, thus, make your purchases in installments without having a credit card.

If you want to learn more about how one of these options works, visit our recommended content below.