Find the best mobile installment plans in Pakistan 2025. Find out how easy it is to buy smartphones on a monthly installment plan from banks, retailers, and telecom providers.
Several companies, including Apple, Samsung, Xiaomi, Infinix, and Oppo, launch new smartphones every year in Pakistan. Many people, however, have had difficulty purchasing a phone outright because of rising prices and economic uncertainty.
You can get mobile installment plans in Pakistan to help you with that. You can spread the cost over several months, making premium devices more affordable.
Our guide to mobile installment plans in 2025 compares bank offers, retailer deals, and telecom bundles, and shares tips to help you choose the right plan.
2025 top mobile installment plans
It is possible that flagship smartphones, such as the iPhone 16 Pro Max or Samsung Galaxy S25 Ultra, will be more expensive than Rs. 5 million by 2025. A mid-range phone can cost upwards of Rs. 100,000.
This is due to the following reasons:
- A three-to-four-year payment plan is used.
- 0% markups are common at banks and retailers.
- Data, calls, and accessories are all included in some plans.
- Without heavy upfront payments, high-end phones are affordable.
How to choose a plan
Here are some things to consider when choosing a mobile installment plan in Pakistan:
- Markup Rate (Interest): 0% is ideal; avoid high interest whenever possible.
- Generally, shorter plans cost less overall, while longer plans reduce monthly payments.
- Eligibility varies by bank; retailer plans may only require a CNIC and verification.
- Down Payment Some plans require 10–30% upfront.
- Hidden Charges Watch for processing fees or penalties for early repayment.
- Model Availability Not all plans cover the latest models.
2025 Mobile Installment Plans in Pakistan
3.1 Bank Installment Plans
There are usually 0% markups on certain models offered by banks, so this is usually the most secure way to make payments.
- Tenure: 3, 6, or 12 months.
- Markup: 0% on selected phones.
- Eligibility: HBL credit card holders.
- Partner Stores: Authorized dealers for Samsung, Apple, and Huawei.
- Special Offer: 0% markup for iPhone 15 series 2025.
Bank Alfalah Easy Monthly Installments
- Tenure: 3 to 24 months.
- Markup: 0% for 3–6 months on partner brands.
- Eligibility: Bank Alfalah credit card.
- Partner Stores: Daraz, Alfa Mall, Shophive.
- Highlight: Exclusive Samsung Galaxy S24 Ultra bundle deals.
Meezan Bank Easy Monthly Installment
- Tenure: Up to 12 months.
- Markup: 0% on specific models.
- Eligibility: Meezan Bank credit card holders.
- Special Feature: Shariah-compliant installments.
- Tenure: 6–12 months.
- Markup: Minimal fee.
- Eligibility: MCB credit card.
- Best For: Premium models like iPhone 15 Pro Max.
Retailer Installment Plans
Retailers offer more flexibility and sometimes allow purchases without a credit card.
Daraz Easy Monthly Installments
- Tenure: 3, 6, or 12 months.
- Markup: 0% for select banks.
- Requirements: Credit card from partner bank.
- Advantage: Wide range of brands.
Shophive Installment Offers
- Tenure: 3–12 months.
- Markup: 0% for bank partners.
- Highlight: Offers exclusive discounts on pre-orders.
Alfa Mall (Bank Alfalah)
- Tenure: Up to 18 months.
- Markup: 0% for selected products.
- Best For: Buying directly through a bank’s secure portal.
Telecom/Network Provider Plans
Telecom operators in Pakistan also offer mobile installment plans bundled with data and call packages.
Jazz Mobile Installment Plans
- Tenure: 6–12 months.
- Markup: 0% on select devices.
- Bonus: Free Jazz internet and call minutes.
Zong & Ufone Device Bundles
- Offer smartphones with free data plans.
- Limited model availability but attractive for heavy data users.
Best Installment Plans for iPhones in Pakistan – 2025
The iPhone 15 Pro Max and iPhone 15 are available via:
- HBL (0% markup, 12 months)
- Bank Alfalah (0% markup for 6 months)
- Daraz + Bank Alfalah partnership
Best Installment Plans for Samsung Phones 2025
Here are the instructions for Samsung Galaxy S24 Ultra, Z Fold 5, and Z Flip 5:
- Bank Alfalah: Exclusive Galaxy bundles.
- HBL: 0% markup on S25 Ultra March 2025.
- Shophive: Pre-order deals with free accessories.
Buying on Installments Without a Credit Card
If you don’t have a credit card:
- Daraz BNPL (Buy Now, Pay Later) via partner fintech apps.
- Retailer in-house plans with CNIC and post-dated checks.
- Microfinance banks like Khushhali and U Microfinance.
Tips for Choosing the Best Plan
- Always compare markup rates before committing.
- Look for seasonal promotions like Black Friday or Ramadan sales.
- Check hidden costs like processing fees.
- Ensure your chosen retailer or bank is an authorized seller to avoid warranty issues.
Frequently Asked Questions (FAQ)
Q1: Which bank has the best mobile installment plan in Pakistan for 2025?
HBL and Bank Alfalah offer the most competitive zero-markup deals for flagship phones.
Q2: Can I buy a mobile on installments without a credit card?
Yes, through BNPL services or retailer in-house financing.
Q3: Are installment plans available for all phone brands?
Most banks and retailers cover Apple, Samsung, Oppo, Infinix, Vivo, and Xiaomi.
Q4: Is 0% markup really interest-free?
Yes, but be sure to check for hidden fees.
Mobile Installment Plan Comparison Table – 2025
| Provider | Tenure | Markup | Credit Card Required | Special Offers |
|---|---|---|---|---|
| HBL | 3–12 months | 0% | Yes | iPhone & Samsung deals |
| Bank Alfalah | 3–24 months | 0–20% | Yes | Alfa Mall bundles |
| Meezan Bank | Up to 12m | 0% | Yes | Shariah-compliant |
| Daraz EMI | 3–12 months | 0% | Yes | Big brand variety |
| Shophive | 3–12 months | 0% | Yes | Pre-order discounts |
| Jazz | 6–12 months | 0% | No | Free data |
Conclusion
In 2025, buying a phone on installments in Pakistan is easier and more affordable than ever. Whether you prefer bank EMI plans, retailer offers, or telecom bundles, there’s an option for every budget.
By comparing the tenure, markup, eligibility, and perks of each plan, you can get the latest smartphone without draining your savings.
