Since you're tight on budget and your laptop is more than 10 years old, I would recommend Silicon Power as it's cheaper than Samsung and it isn't worth to pay premium price for such old laptop .

I also wouldn't recommend buying refurbished laptop since it hardly sustains itself for more than a couple of years based on my own experience. You can opt for debit installment such as Split or Atome if you can't afford a brand new laptop with lump sum payment.

If you mean CC = Credit Card, then no. You don't need credit card for the 3-installment Plan, a valid debit card will do.