Meet 8 Stores that sell installments via online billing: Understand how it works!

For many people, buying in stores that sell in installments on the bill It's a practical solution for organizing your finances and making purchases with greater flexibility, without relying on a credit card. Whether you're still building your financial history or prefer more direct control over your expenses, this option offers greater accessibility and planning for making your desired purchases.

In this article, you'll learn how installment payments with boletos work and learn about some of the top stores that offer this option. Get ready to discover how to take advantage of this payment option and essential tips for making your purchases safely and profitably.

What is Buying in Installments with a Boleto?

Paying in installments using a boleto is a payment method where customers can divide the total purchase amount into several installments, receiving a separate boleto for each installment, without the need for a credit card. This option is a practical and affordable alternative to traditional installments, especially for those who don't have a credit card or prefer to manage their finances differently.

Among the advantages of paying in installments via boleto is greater control over payments, as each installment is paid manually, which helps avoid surprises from accumulated bills at the end of the month.

Furthermore, it's an excellent solution for those looking to avoid the high interest rates of revolving credit or the risk of credit card debt. This type of installment plan also provides greater flexibility and accessibility, allowing more people to purchase the products they need, even without having to rely on their credit card limit.

How does installment payment work on the bill?

Here's a step-by-step guide on how installment purchases using a boleto work, from choosing the product to receiving your monthly bills:

1. Product Selection: Browse the online store and select the product or service you want to purchase. Add it to your shopping cart.
2. Payment Method Selection: When completing your purchase, choose the “Installments via Boleto” payment option, which may appear alongside other options, such as credit card or cash payment.
3. Definition of Plots: Choose the number of installments available, which generally varies from store to store. Some allow you to pay in up to 12 installments, but this number may vary depending on the total purchase amount.
4. Filling in the Data: Enter the requested personal information. In some cases, a quick credit check is required, where the store verifies the customer's financial history before approving the installment plan.
5. Purchase Confirmation: After approval, the purchase is confirmed and the invoices are generated automatically.
6. Receipt of Monthly Bills: Payment slips for each installment are sent to the customer via email, app, or other designated contact method. Each slip has a specific due date, typically once a month, until all installments are paid.

It's important to remember that installment payment terms may vary by store. Some stores require a minimum purchase amount to allow payment by boleto, while others may limit the maximum number of installments. In certain cases, a credit check may be performed before approving the installment plan, especially if the purchase amount is high.

Who is Payment by Bill Recommended for?

Payment in installments via boleto is an excellent alternative for a variety of consumers seeking flexible payment methods. It's particularly suitable for those who don't have a credit card, either by choice or because they haven't yet been approved. For these consumers, boleto installments offer an opportunity to pay for their purchases in installments without relying on a credit limit.

This method is also ideal for young people just starting to build their financial history. Without the commitment of a credit card, they can purchase products and make purchases in installments while organizing their finances and learning how to manage monthly payments.

Furthermore, paying in installments via boleto is advantageous for those who prefer to maintain tighter control over their spending. By receiving a bill each month, consumers have greater visibility into due dates and amounts paid, allowing them to more closely monitor their finances and avoid budget surprises.

Stores that sell installments via online billing

Several online stores in Brazil offer installment payments via boleto, catering to consumers seeking alternatives to credit cards. Below, we present some of these stores, highlighting their terms and conditions and the products of interest:

Magazine Luiza

Known for its wide variety of products, including appliances, electronics, and furniture, Magazine Luiza offers the option of paying in installments via boleto. Terms and conditions may vary depending on the purchase amount and customer profile, and you must register on the website to check the availability of this option.

Discover the store here.

Americanas

Americanas is one of the largest online retailers in the country, offering everything from electronics to fashion. Payment by boleto is available for certain products and amounts, usually requiring prior registration and credit approval.

Discover the store here.

Cold Point

Specializing in home appliances and electronics, Ponto Frio offers installment payments for select purchases. Terms, such as the number of installments and minimum payment amount, may vary depending on the current promotion and the customer's profile.

Discover the store here.

Alive

For those looking to purchase cell phones and accessories, Vivo offers the option of paying in installments via boleto in its online stores. The terms and conditions depend on the model chosen and the associated plan, so it's important to check the available offers at the time of purchase.

Discover the store here.

Wood Wood

Specializing in furniture and home decor, Madeira Madeira offers installment payments via boleto to facilitate the purchase of home products. Installment terms may vary depending on the total purchase amount and the customer's registration.

Discover the store here.

Free Market

As one of the largest marketplaces in Latin America, Mercado Livre offers a variety of payment methods, including installment payments via boleto for select products. Terms and conditions vary depending on the seller and the purchase amount, so it's important to check the available options at the time of transaction.

Discover the store here.

Electrolux

For those looking for quality appliances, Electrolux offers the option of paying in installments via boleto in its online store. Payment terms may vary depending on the product and purchase amount, so please check the available options on the website.

Discover the store here.

Casas Bahia

A traditional retailer in Brazil, Casas Bahia offers a wide range of products, from furniture to electronics. Payment by boleto is available for online purchases, with terms that vary depending on the amount and customer profile.

Discover the store here.

Before making a purchase, we recommend checking the specific terms and conditions of each store, such as the maximum number of installments, minimum installment amount, and possible registration or credit check requirements. This way, you can take advantage of the benefits of boleto installment payments safely and tailored to your needs.

Tips for Safely Buying in Installments with Boleto

To take advantage of installment payments on your bill safely and efficiently, follow these tips:

• Check Store Reliability: Make sure the store is trustworthy, has a good market reputation, and has security seals on the payment page. This helps ensure your data is protected and your purchase is secure.
• Seek Opinions from Other Consumers: Before purchasing, check other customers' reviews and comments about the store. Review sites and social media can be helpful in avoiding problems and identifying stores known for good service and on-time delivery.
• Organize Bill Payments: Keep track of bill due dates. You can write them down on a calendar or use digital reminders to avoid forgetting. Paying on time helps avoid interest and keeps your budget organized.
• Plan Installments in Your BudgetBefore purchasing, consider whether the installment amount fits within your monthly budget without compromising other expenses. Paying in installments via invoice requires discipline to keep up with payments.
• Avoid Taking on Multiple Debts Simultaneously: Buying in installments is a great tool, but accumulating multiple installments from different stores can make financial control more difficult. Prioritize essential purchases to avoid accumulating debt.

With these tips, you can take advantage of the benefits of paying in installments using your bank slip in a practical and safe way, ensuring good financial control and making your purchases in a planned manner without surprises.