iPhone Installment Plan Options in Malaysia: Which is The Best For You?

iPhones are one of the most popular mobile phones in Malaysia. But they also cost a bomb. So what are you to do when you want to get an iPhone but can’t afford to pay upfront?

Here are some of the options you can consider:

1. Buy on Lazada and 11Street and pay via an installment plan

Buying your iPhone through Lazada or 11Street and using their installment plan is the most straightforward way of getting your iPhone.

The only caveat is that you will need to have a credit card. And even if you have a credit card, you have to make sure that your credit card is up to the credit limit for your purchase.

For more details on how you can do that, check out our article about how to get an installment plan on 11Street and Lazada Malaysia here.

2. Buy a Phone Using Digi’s Easy Payment Plan (EPP)

The Easy Payment Plan is Digi’s solution for people who want to own a mobile device but don’t have enough money to pay upfront. The benefit of using Easy Payment Plan is that you don’t need a credit card.

Any device bought using the Easy Payment Plan comes with a data and call plan. So you will be paying for the plan and phone when you buy a phone using Digi’s Easy Payment Plan.

This is a good choice for people who are looking both to buy a data and call plan and a phone.

But while you can get your installment plan done online for the case of Lazada and 11Street, you need to walk into a Digi store to get yourself set up with an Easy Payment Plan.

The other thing is that while you can get any iPhone on Lazada and 11Street, there are very limited choices of iPhones you can buy using the Easy Payment Plan on Digi. From the info page of the Easy Payment Plan details, it appears you can only get phones from the iPhone 6 series:

Find out more about Digi’s iPhone Easy Payment Plans here.

3. Get Your Phone Using Celcom’s EasyPhone Program

With Celcom’s EasyPhone plan, you get to either rent or own a phone without paying the full price upfront.

Here’s how much you expect to pay on a monthly basis on each plan:

The benefit of the Celcom EasyPhone plan over the Digi Easy Payment Plan is that you got a lot more choices on the types of iPhones you can get.

You can find out more about Celcom’s EasyPhone plans here.

Verdict: Which Installment Plan Should You Get?

It depends on what you need.

If you only want to buy a phone and not have a data and call plan attached to it, the best route is to go for the Lazada or 11Street installment plans. They are normally interest-free and flexible. You can get up to 24-month plans depending on which bank your credit card is issued from.

However, if you don’t have a credit card, your next best option might be to get a plan with a telco.

This is especially useful for you if you are in the market for a data and call plan to go with your phone. But if you are signing up merely to get the phone, it may not be worth it because, over the long term, the phone will cost you 2X more because you are not using much of the data and call plan.

If you don’t have a credit card for a Lazada or 11Street installment plan, there aren’t many options for you other than keeping enough cash and buying the phone upfront.

So that’s it – all the options you have for buying an iPhone in Malaysia via an installment plan. If you have other tips on how to do this, feel free to leave a comment below!

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