Buying an iPhone in Pakistan has become increasingly difficult due to rising prices and heavy PTA taxes. Even older Apple models now cost much more than before, making them unaffordable for many people across the country.
However, new installment plans are now offering some relief to customers who want to buy premium smartphones without paying the full amount upfront. The latest financing options allow buyers to purchase selected iPhone models through easy monthly installments.
Under the newly introduced scheme, customers can buy an iPhone with flexible repayment plans ranging from six months to 36 months. The offer also includes a 0% markup facility for plans up to 12 months, making the deal more attractive for buyers facing inflation and economic pressure.
The installment plans currently include the Apple iPhone 13 (128GB) and Apple iPhone 14 (128GB) models in the Midnight color variant.
According to the available pricing details, the iPhone 13 (128GB) is priced at Rs189,999. Customers choosing a six-month plan will pay Rs31,667 per month. Under the 12-month zero-markup option, the monthly installment becomes Rs15,833. For 24 months, buyers will pay around Rs10,045 monthly, while the 36-month option costs Rs7,454 per month.
The iPhone 14 (128GB) is available for Rs210,000. Buyers selecting the six-month installment plan will pay Rs35,000 monthly. The 12-month 0% markup plan requires monthly payments of Rs17,500. Under the 24-month plan, the monthly installment is Rs11,103, while the 36-month plan costs Rs8,239 per month.
With smartphone prices increasing rapidly in Pakistan, installment-based purchasing has become more popular among consumers. Many buyers now prefer monthly payment plans instead of paying a large amount at once.
The 12-month zero-markup option is currently receiving strong attention from customers looking for affordable financing without additional interest charges.
Interested buyers can apply through eligible HBL installment facilities. Customers are advised to carefully review banking conditions, card eligibility, and financing terms before applying for any plan.
While financing is available for up to 36 months, officials clarified that the 0% markup benefit only applies to installment plans lasting 12 months or less.
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The latest installment offers are expected to make owning an iPhone slightly easier for many Pakistani consumers despite rising market prices and economic challenges.
