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As more people become mindful about how they manage their finances, 0% interest installment payments have become a better option than cash. This article highlights how installment shopping during Christmas saves money for more important necessities and makes you more aware of your spending for a stress-free holiday season.
Installment shopping has never been easier thanks to Home Credit. Just visit Shoppingmall.ph and choose from a wide variety of smartphones, laptops, and home appliances from authentic brands available in trusted stores in your city. To apply, you only need 1 valid ID, and it takes just a minute to know your application status!
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### 1. 0% Interest Installment Is Good Credit
0% Interest Installment Payments are considered as smarter way to shop Christmas gifts. First, these payment plan allow consumers to make purchases without incurring additional interest charges. While cash is preferable for low ticket items like plush toys, installment payment is better for products with heftier price tags like smartphones. Loans are bad when lenders don't consider their clients' ability to pay. Home Credit's 0% interest installment is good because it provides the lowest interest rates among financial service providers.
Read more: [0% Interest sa Home Credit: Too Good to be True o Too Good and It’s True?](https://www.homecredit.ph/stories/zero-interest-sa-home-credit)
![Bills Payment KV.png](https://hcphprodwebrevamp.blob.core.windows.net/hcph-website/assets/Bills_Payment_KV_5e182b42fd.png) ### 2. 0% Interest Installment Saves Your Money for Other Essentials
The holidays are for festive activities, but a smart shopper knows that preserving money for bills and daily expenses is essential to avoid financial troubles. Say you want to purchase a P20K smartphone for your younger sibling. 0% interest payment lets you spread the cost over several months and still have money for your electric bill! You can also enjoy fixed payments from an installment plan. Knowing your monthly payment helps you budget for rent, groceries, and house bills. ### 3. 0% Interest Installment Gives You Options to Pay Based on Your Budget
With 0% Interest Installments on Shoppingmall.ph, you can choose from payment terms of 9 to 24 months. This flexibility ensures that you can purchase any dream gift and pay later. If you choose the right payment terms, you can enjoy your holiday purchases without paying the full amount upfront. ### 4. 0% Interest Installment Helps Maximize Savings through Gift Payments
Did you know that you can enjoy your last month of payment for FREE when you purchase via Home Credit 0% Interest Installments? If you have a good credit standing or is an on-time payer, you can take advantage of this added benefit and reduce your overall spending. This also helps you in saving the most money, which you can then use for other important things, such as emergency hospitalization. ![VAS and Device Protection KV.png](https://hcphprodwebrevamp.blob.core.windows.net/hcph-website/assets/VAS_and_Device_Protection_KV_63eb9d2c20.png) ### 5. 0% Interest Installments Provides Extra Security through VAS
Buying a P60K smartphone requires extra care, or it will be wasted. For further security, Home Credit's 0% Interest Installment Plan protects your valuable purchase against unexpected circumstances. Visit "Special Offers" tab in Home Credit app to apply. For as low as P3 a day for two years, you can have your broken device repaired or replaced for FREE!
Installment payments offer more benefits than cash transactions, including flexibility in paying at terms you can afford. For financial independence and peace of mind this Christmas, choose Shoppingmall.ph 0% interest installment payments. You can celebrate the holidays without risking your bank account!
### Discover the best 0% interest installment deals near you on Shoppingmall.ph.
Shoppingmall.ph is a one-stop online shopping platform for all-authentic smartphones, laptops, gadgets and home appliances.
Wherever you are in the Philippines, Shoppingmall.ph helps you find the lowest priced products available in stores near you. Easily buy your dream product with Home Credit’s 0% interest installment plans payable up to 24 months. Just apply on Shoppingmall.ph and get pre-approved in 1 minute. Before making your final shopping decision, find the best deals near you by visiting the Shopping Mall Homepage.
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