Bypassing interest by buying on loan – these are the conditions

Most people will need to borrow money at some point to purchase larger items, fund a special event or solve an urgent problem in an emergency. Is that also possible without interest?

Before you borrow money, it is important to ensure that you can repay the repayments, otherwise you will be sued and you may even lose valuable assets. Few people borrow money without paying interest, but there are options.

How to get a loan without interest

How to get a loan without interest

You can get extra money by using a so-called ‘zero percentage credit card’. That is not the same as a full-fledged loan and you cannot pay off a house with it. You can use it to finance purchases or solve financial emergencies.

  • Find the right credit card

With some cards you can make purchases without accruing interest for a certain period. This period can last 12 months or a maximum of 31 months. It is best to search for offers online.

  • Make purchases with your credit card

Buy what you want, knowing that you do not have to pay immediately and do not have to pay extra interest. Your card has a credit limit based on your credit history. Do not go beyond the limit, then you can get into serious trouble.

  • Pay the balance on time

Make sure you make monthly payments. Missing payments have a major impact on your zero percent interest rate. If you miss a payment, you probably lose your introductory interest rate of 0 percent. Set a reminder not to miss a single payment. Many credit card companies often send an e-mail when your bill has to be paid. Pay the balance in full before the introductory period ends, otherwise you will pay interest.


Generally you can get money at low interest or without interest, but you will have to do some research and effort. Nothing is really free.


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