Buying TCL Smart TV On EMIs: Affordability With Our Consumer Durable Loans

TCL Smart TVs, known for packing high-end features and competitive prices, are now even more budget-friendly with Consumer Durable Loans. Rather than burning a hole in your pocket with one big expenditure, you can spread it over a few months with the help of EMIs. Read on to know more about TCL’s TVs and how to purchase your new TV with a Consumer Durable Loan.

Why a TCL Smart TV is the Ultimate Entertainment Upgrade

TCL’s smart TVs are available across a vast price range, from as low as ₹11,000 to as high as ₹2 Lakh. Each series boasts modern features that lend a cinematic experience to your home. Here are some of TLC's smart TV features you'll find:

• Different display technologies include Mini-LED, QLED (QD-Mini LED), HD, UHD, FHD, 4K UHD, and 8K QLED.
• Can be mounted on walls or TV stands.
• Dolby Vision IQ for excellent picture quality and Dolby Atmos for next-level sound quality.
• A standardised Android-based OS for ease of use. 
• Some models feature TCL’s proprietary T-SCREEN technology that provides a 178° wide viewing angle along with enhanced contrast, elevating your TV viewing experience.
• Several models support hands-free voice control, enabling viewers to tap into smart assistants like Google Assistant and Amazon Alexa.

TCL Smart TVs come in a range of sizes, letting you pick the perfect size for your home:

• 32-55 Inches: Ideal for bedrooms and smaller living rooms.
• 65-75 Inches: Fits well in normal-sized living rooms; works for families who want an in-house cinematic experience. 
• 98 Inches and higher: QLED and Mini LED technologies on TCL’s largest screens transform your home into a home theatre, providing an immersive viewing experience.

Also Read: Key Things to Know Before You Apply for a Consumer Durable Loan

TCL in the Market: Competitor Comparison & Latest Models

GST cuts from 28% to 18% on televisions over 32 inches have led to a steal-worthy drop in prices for all smart TVs. If you’re considering TCL smart TVs, here’s some key information on where they stand against competitors and what the latest models have to offer:

Competition Overview

TCL’s main competitors in the Indian market are Samsung, Sony, and LG, all major players in India’s smart TV industry. While these brands occupy a significant market share, they also lie in a higher price range. TCL has a significant advantage over them by offering high-quality TVs at a budget-friendly price.

Additionally, TCL is a rapidly growing company, providing these premium brands with greater competition in the higher segments. In fact, Business Standard reported the first-ever successful online sale of India’s largest 115-inch TCL TV in October 2025. This only goes to show how much the brand has to offer. 

TCL’s Latest Models

The latest models launched by TCL were its QLED and Q Mini-LED lineups in May 2025, including the C6K and C6KS series, starting around ₹50,000 and going up to over a lakh. Alongside are the P6K 4K HDR model, and the P8K and P7K QLED TVs that range in price from ₹28,000 to ₹ 55,000.

The innovative smart features of these newer models include highly developed colour correction for deeper blacks and improved viewing quality. All the models are supportive of Google TV, have voice control, and have AiPQ processing. 

Making Your Purchase Affordable with a Smart TV Loan

Instead of paying the full amount upfront, a Smart TV Loan lets you divide the cost into fixed monthly instalments. It’s tailored specifically for buying electronics and appliances, so the process is quick and the paperwork minimal. Many retailers also offer No-Cost EMI plans, which means you pay only the TV’s price without any added interest over the tenure.

It’s always advisable to use an EMI calculator to understand the exact amount you’ll be paying. For example, you may want to purchase the TCL 55-inch 4K QLED Smart TV, priced at ₹45,000. If you’ve paid a down payment of ₹5,000, the remaining ₹40,000 becomes your total loan amount. So, for a ₹40,000 loan paid over 12 months at an interest rate of 12%, your monthly EMI will be ₹3,554.

This means you’ll pay ₹3,554 every month for 12 months. At the end of the tenure, you would have paid a total of ₹42,648, which includes ₹2,648 as interest charges.

Also Read: Smart Spending: Examining the Pros and Cons of Laptop EMI Plans

Requirements for Consumer Durable Loan

Keep these broad requirements in mind to qualify for a Consumer Durable Loan and buy your smart TV on EMIs:

Eligibility Criteria

• Age: You should be between 21 and 65 years old
• Income: A stable source of income, whether you're salaried or self-employed
• Credit Score: A CIBIL score of 650 or above is generally preferred

Documents Required

• Proof of identity (Aadhaar Card, PAN Card)
• Address proof (Latest utility bill, passport)
• Proof of income (Last three months' salary slips or bank statements)

How the Consumer Durable Loan Process Works

Understanding the loan journey from start to finish helps remove any uncertainty. Here's what happens once you've decided to finance your TCL TV purchase.

1. Before You Apply

Identify the exact TCL model you want, and use the EMI calculator to understand monthly breakdowns with various tenures. Check your eligibility and gather all required documents beforehand. Having everything ready speeds up the process and avoids last-minute hiccups at the store.

2. At the Store

• Select your TCL TV model and inform the sales representative that you'd like EMI financing
• Provide your basic details
• Submit your documents for instant digital verification
• Wait for the credit assessment, the lender checks your credit score and evaluates your repayment capacity
• Receive approval; most decisions come through within 15 to 30 minutes

Also Read: How to Buy a Laptop on EMI Without a Credit Card

To Conclude

TCL Smart TVs have a lot to offer, and you can enjoy their full benefits with the help of an Easy EMI Smart TV Loan from Poonawalla Fincorp. The process is transparent and offers quick approval, making it hassle-free to own your dream TV. 

FAQs

Can I buy a smart TV on EMI online without a credit card?

Yes, consumer durable loans don’t require a credit card. You can apply directly through the retailer or lender using basic documents like your Aadhaar, PAN, and income proof. The approval process is quick, and you'll receive the loan amount on your EMI card based on your eligibility.

What is the minimum CIBIL score required for a smart TV loan?

Most lenders prefer a CIBIL score of 650 or higher for a smart TV loan. However, some may approve loans for scores slightly below this, depending on your income, employment stability, and other factors. It's worth checking with the specific lender for their exact criteria.

Are there any hidden charges in No-Cost EMI plans?

No-Cost EMI means you pay only the product price with no interest added. However, there might be a processing fee charged by the lender. Always ask for a full breakdown of costs before you sign, so there are no surprises later.

What happens if I miss an easy EMI payment?

Missing an EMI payment can result in late fees and negatively impact your credit score. Most lenders offer a grace period, but it's best to set up auto-debit or reminders to ensure you never miss a payment. If you're facing difficulty, contact your lender immediately to discuss options.

Can I prepay my Consumer Durable Loan?

Yes, most lenders allow prepayment or foreclosure of the loan. Some may charge a small prepayment fee, while others allow it without any penalty. Check your loan agreement for specific terms. If you have extra funds, paying off the loan early can save you on interest.

Is the EMI amount fixed throughout the loan tenure? 

Yes, in most cases, the EMI remains fixed for the entire tenure. This makes budgeting easier since you know exactly how much will be debited each month. However, if you've opted for a floating interest rate (rare for consumer durable loans), the EMI could change based on rate revisions.