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    Is it possible to buy a cell phone in installments? Find out how here

    Is it possible to buy a cell phone in installments? Find out how here

    by Team AllYourVideogames | Sep 28, 2022 | Shopping | 2

    Yes. A lot of people don't know, but it's possible to buy a cell phone in installments. On the internet, there are several reliable sites that allow this type of payment, such as Mercado Livre. In this article, we are going to list what are the options available online, how they work, what are the benefits, among other interesting questions. 

    It's never been easier to buy a new device. Find out now which site sells cell phones in installments. 

    Learn more: Meet the Mi 11 Lite NE: Xiaomi's new ultra-lightweight design smartphone

    Where to buy mobile phone in installments?

    From now on, we are going to list different types of websites where anyone can buy a cell phone in installments. 

    When developing this list, we took special care not to add too many options. Our proposal is to present the best alternatives on the market, according to several points that we consider important when selecting a company. 

    • Service quality;
    • Personalized service;
    • Possibility of splitting the product in more than 10 installments; 
    • System without bureaucracy; 
    • Safety; 
    • Positive reference in the market. 

    This care is important because we are working with two issues that are essential for anyone: the achievement of a new quality device and your money. 

    Find out now which stores accept payment in installments. 


    The first option on our list is a means of payment that promises to make life easier for consumers in their relationship with money. The company's goal is to help anyone shop online, without needing a credit card. You can spread not only a mobile device, but several types of products, in up to 24 installments.

    This practicality is only possible because the company works through bank slips. The service is quite similar to a carnet. You can find Parcelex in several online stores. When completing the purchase, the site will show if the company is a partner, offering this possibility of payment. 

    One of the main advantages of Parcelex is that it is already present in the most important pages in the country, including: Zoom and Buscapé. For customers who are interested in a mobile device, the company is a partner of Claro and Vivo Shopping, great alternatives when it comes to cell phones. 

    So, if you're looking for “buy cell phone in Vivo installment plan”, “buy Samsung cell phone in installment plan” and “buy cell phone in installments for Claro”, you've come to the right place. The most interesting thing is that the consumer has the right to choose in how many installments he intends to purchase the product, with the limit being 24. 

    To help you make the best decision, you have access to a real-time simulator to find out the amount you will have to pay each month. On the other hand, depending on the product chosen, the company may request an entry. To avoid financial problems, it is worth reviewing the monthly budget before finalizing the order. 

    Parcelex does not have a score recorded in Reclame Aqui, at least until September 2022. Therefore, it is not possible to say whether the company's assessment is positive or negative in the market, according to the platform's data. 


    With VirtusPay, the customer can pay in installments online, without a credit card.

    Is it possible to buy a cell phone in installments? Find out how here

    The main difference between this alternative and the previous suggestion is that the product can be paid in up to 15 installments, while in Parcelex the limit is 24 installments. However, by choosing VirtusPay, you are entitled to several benefits. 

    • Payment control: the system allows the customer to have access to the tickets at any time of the day, ensuring more practicality and organization for their routine;
    • Possibility to pay as you wish: company slips can be paid in installments at any financial institution or lottery shop;
    • Due Reminder: the company sends the customer a reminder informing the due date. The announcement is made by email or Whatsapp;
    • Support: specialized team to help the customer when he needs it most. 

    VirtusPay has the Reclame Aqui seal, which demonstrates that the company is concerned with the entire customer experience. In September 2022, the company's rating on the page was 8.5 out of 10, which is considered great by the platform. 

    The company responded to 100% of complaints made by customers, with an 84.4% problem solving rate. Of these consumers, 79.7% would do business with the company again. To pay your online purchases in installments, follow the steps below. 

    1. Access the official website of VirtusPay;
    2. Register on the platform. To have your name approved, you must be of legal age, not have a dirty name and provide a valid email address;
    3. Purchase the product at one of the partner establishments and issue a payment slip; 
    4. Send your ticket on VirtusPay;
    5. Inform how many times you want to pay in installments; 

    If the registration is approved, it is necessary to pay an entry to finalize the order. Then, the establishment where the product was purchased will send the order to your home. The cash slip can be sent by the consumer in two ways: through the official website or in the company's own application, which is only available on Google Play. 


    Another interesting option from our list is BoletoFlex. The company's proposal is to offer immediate credit to the consumer, guaranteeing financial freedom to purchase the products they need at that moment. 

    The dynamics of BoletoFlex is very simple. 

    1. Search for one of the company's partner establishments;
    2. Define which products you want to purchase; 
    3. Choose the installment payment option as payment method. 

    It is possible to pay a product in up to 24 installments on the ticket. After this process, the request is analyzed immediately. In addition, the system sends a reminder as soon as the invoice due date arrives. 

    You don't have to worry about surprise rates at the time of purchase. Here, the process is transparent and harmless to the customer. Undoubtedly, it is another interesting alternative to buy a cell phone in installments. As with Parcelex, BoletoFlex does not have a score record in Reclame Aqui, in September 2022. Therefore, it is not possible to assess the company's reputation in the market in a deeper way. 


    Another interesting tip to buy a cell phone in installments is through the company Losango. In it, you can purchase a mobile device 24 times. One of the main advantages of this company is that the first payment can be made in up to 60 days. 

    You can buy a new cell phone at partner stores, such as Novo Mundo. On the other hand, the rating on Reclame Aqui is one of the lowest on our list. As of September 2022, the score was 6.1 out of 10, which is considered fair by the site.

    Losango has already responded to 97.1% of complaints on the site, with a 67.5% problem solving rate, and 34.9% would do business with the company again. 

    Mercado Livre 

    Mercado Livre needs no introduction. Considered one of the main sites on the internet, the company also allows you to buy a cell phone by paying with your bank slip. However, the installment number is one of the lowest on our list: 12 times. 

    To use Mercado Crédito, you only need to activate the benefit once. The system may request some data from the user. Registration is completed easily and quickly. 

    Then, just choose the cell phone you want to purchase on the page. The next step is to choose Mercado Crédito as the payment method and the number of installments, which can be 2,4,5,6,10 or 12. Then, complete the purchase and wait for the product at your home. 

    It is a great opportunity to buy a cell phone in installments with a dirty name, since it is not necessary to go through a credit analysis to purchase the product. In Reclame Aqui, in September 2022, the Mercado Livre score was 7.6 out of 10, which is considered good by the platform. 

    The company responded to 99.6% of complaints, with a 76.9% problem solving rate. Of these consumers, 72.6% would do business with the company again. 

    Here, we mention the best sites to buy cell phones in installments. However, it is important to make it clear that, if you are looking for “buy cell phone on Americanas installment ticket”, the site does not offer this possibility of payment. Therefore, choose the options mentioned above and choose the alternative that best suits your needs. 

    After discovering that it is possible to buy a cell phone in installments, get to know the Xiaomi Mi 11T, one of the most awaited options when it comes to mobile devices. 

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