What Is The Best Way To Own Your Next iPhone?

Written by Rebecca Shamasundari

The iPhone 7 is here and you want it bad. A longer battery life, a sharper camera, fast innards and protection against water, all packed into a glossy jet black or muted matte black body – this is certainly a phone like no other.

But if what’s stopping you is your thin wallet, we have some good news: you can actually get the iPhone 7 without blowing a hole in that pocket of yours. No kidding.

Smartphone financing plans are in vogue and the classic sales pitch goes like this: you pay a one-time down payment for a phone with your credit card and sign a two-year contract, which includes the costs of wireless service combined with the remaining cost of the device.

But that presents a host of problems. For one, you need a credit card with a high credit limit. If that is not an issue, then you risk using up your credit limit, which in turn affects your credit health. Failure to pay on time incurs high interest charges and a bad credit rating.

The U MicroCredit helps fix that. This easy payment scheme allows you to own a smartphone through fixed monthly repayments without a credit card. You are free to choose full or partial financing based on your needs with a minimum repayment from as low as RM48 per month and a repayment tenure of 12, 24, 30 or 36 months.