Our Terms of Service and Privacy Policy have changed.

By continuing to use this site, you are agreeing to the new Privacy Policy and Terms of Service.

Shop online without credit cards

By Jennie Bragg, CNN producer


NEW YORK (CNNMoney.com) -- Freeing yourself of plastic is a great way to keep track of your spending and stay on a budget.

Twenty-seven percent of consumers said they would purchase more online if they could control their finances and pay in cash, according to a recent survey by eBillme.com. But if you've cut up your cards or are thinking about it, you don't have to miss out on the convenience of buying what you need from the comfort of your own home.

Here's how to shop online without using a credit card:

The easiest way get what you need on your PC sans plastic is to use a service like PayPal or eBillme.

These sites are free and allow you to pay for purchases with cash from your online bank account.

Simply choose the cash billing method at check-out rather than filling out your credit card information and you will receive an online bill.

While PayPal is an Ebay company, the service is offered by hundreds of other online retailers, and eBillme is available at over 800 online locations.

Debt-free purchases

"It's a debt-free way of shopping online. No interest or fees, and since you can only spend with the money you have available, it's a great option for sticking to a budget," says Marwan Forzley, CEO of eBillme.

And as more and more shoppers choose cash over credit, more online retailers are turning to alternative payment options.

"If you compare how people pay offline, the majority of payments, about 74%, are cash or cash equivalent and it's not store specific or category specific," says Forzley. "As people are demanding more choice, more online retailers will start offering cash payments.

Other options for your online purchases include gift cards or pre-paid credit cards.

These are available at most grocery stores, pharmacies and big-box stores.

Usually, you will have to follow a few instructions to authorize the card for online use. Then, get started with your shopping.

The hitch here is the cost of the card. Most pre-paid cards cost a few dollars more than the face value, ultimately making this a more expensive option.

Lastly, CoinStar machines allow you to trade in your loose change for gift cards to retailers like Amazon.com, Old Navy, CVS, and iTunes instead of cold, hard cash.

Use these cards to make purchases online, or if you can't find a retailer that has what you are looking for, get the Amazon card. Amazon.com offers gift cards to dozens of retailers. Simply purchase one gift card with the other and shop freely on the site of your choice.

Talkback: Have you bought something online without using a credit card? To top of page

Overnight Avg Rate Latest Change Last Week
30 yr fixed3.84%3.85%
15 yr fixed2.96%2.96%
5/1 ARM3.20%3.14%
30 yr refi3.95%3.96%
15 yr refi3.06%3.06%
Rate data provided
by Bankrate.com
View rates in your area
 
Find personalized rates:
Index Last Change % Change
Dow 16,374.76 23.38 0.14%
Nasdaq 4,733.50 -16.48 -0.35%
S&P 500 1,951.13 2.27 0.12%
Treasuries 2.17 -0.02 -1.14%
Data as of 1:59am ET
Company Price Change % Change
Bank of America Corp... 15.94 0.09 0.57%
Apple Inc 110.37 -1.97 -1.75%
Freeport-McMoRan Inc... 10.13 0.23 2.32%
Intel Corp 29.08 0.48 1.68%
Frontier Communicati... 5.52 0.31 5.95%
Data as of Sep 3

Sections

Americans are transforming how they eat -- paying more attention to the origins of their food and how it's made. And Kimbal Musk is at the forefront of a movement that is accelerating the rate of change. More

The Labor Department releases its August jobs report on Friday, and it will have big implications for the Federal Reserve. More

The BauBax travel jacket, with 15 built-in features, needed $20,000 on Kickstarter, but got $9 million. More

Pimco's famous fund once managed by star manager Bill Gross has less than $100 billion in management for the first time since 2007. More