How To Buy a Mobile Phone on Installment Without a Credit Card in UAE 2023

Mobile phones have become an essential part of our lives, and with the constant advancements in technology, it’s no surprise that people are always on the lookout for the latest models. However, buying a mobile phone outright can be expensive, especially if you don’t have a credit card. Thankfully, there are now several fintech startups in the UAE that offer “buy now, pay later” schemes, allowing you to purchase a mobile phone on installment without the need for a credit card. In this article, we will explore some of these services and provide you with all the information you need to make an informed decision.

A. Cashew: Making Buying Hassle-Free

Cashew is one of the leading providers of “buy now, pay later” services in the UAE. With Cashew, customers can sign up both in-store and online, making it convenient for everyone. The eligibility requirements for using Cashew are straightforward. You need to be 21 years old or above and have a valid Emirates ID, email address, UAE phone number, and either a debit card or credit card issued in the UAE.

Cashew boasts an impressive lineup of brand partners, including both local and international brands. Some of their local brand partners include Afaq Centre, Arabian Oud, Avioni Home, A to Z Furniture, and Eye Fashion Optics. When it comes to electronics, Cashew has partnered with Berry, Cliff, Datcart, Harman House, and more. These partnerships give customers a wide range of options to choose from.

With Cashew, you have two installment options: “delay” and “divide.” The delay option allows you to buy an item and make payments over a 14-day period. On the other hand, the divide option enables you to divide the cost of your order into three equal monthly installments. To learn more about Cashew or get in touch with their customer support, you can visit their official website or contact them via phone or email.

B. Postpay: Zero Interest, Zero Transaction Fees

Postpay is another popular service that offers zero interest rates and no transaction fees. This means you can buy a mobile phone and pay for it in installments without incurring any additional costs. To use Postpay, you need to be 18 years old or above, have a valid Emirates ID card, a UAE mobile number, and a debit card or credit card.

Postpay has partnered with over 20 local and international brands, covering various sectors such as fashion, sports apparel, electronics, and home furniture. Some of their partners include American Eagle, Dubai Audio, Gulf Optic, Kcal, and Victoria’s Secret. The installment options provided by Postpay vary depending on the seller. You can choose between dividing payments into two halves or paying in four installments every two weeks or monthly.

For more information about Postpay, you can visit their official website or contact their customer support via phone or email.

C. Spotii: Shopping Made Easy

Spotii offers a seamless “buy now, pay later” experience for customers in the UAE. To qualify as a Spotii user, you need to be 18 years old or above and have a valid UAE phone number and email address. Spotii has partnered with a range of brands, including Ajmal Perfumes, Ounass, Shein, and WafiApps. They have also joined forces with electronic partner brands like Asus, Jumbo Electronics, and Sharaf DG.

Spotii allows customers to pay for their purchases in four interest-free installments, with the first installment due at the time of purchase. If you want to find out more about Spotii, you can visit their official website or contact them directly.

D. Tabby: Hassle-Free Installments for Your Mobile Phone

Tabby is a convenient and hassle-free service that allows you to buy items, including mobile phones, and pay for them in installments. With just your mobile phone number and email address, you can enjoy the flexibility of paying over time without the need for a credit card. Tabby has partnered with more than 20 e-commerce partners, giving you a wide selection of brands to choose from.

To be eligible for Tabby, you must be at least 18 years old, a resident of the UAE, and have a good credit history. Tabby’s partner brands include Abdul Samad Al Qurashi,, and Apparel Group, which owns popular brands like Aldo and Tommy Hilfiger. In the electronics category, you’ll find partner brands such as Harman House, Huawei, and Sharaf DG.

Tabby offers two installment options for your convenience. You can choose to make four payments over a two-month period or opt for three installments over three months. This flexibility allows you to manage your budget effectively while still getting the latest mobile phone.

To learn more about Tabby and explore their services, you can visit their official website. All the necessary information and details can be found there, making it easy for you to make an informed decision.

E. Tamara: Shop Now, Pay Later

Tamara is yet another service that offers “buy now, pay later” options, allowing you to shop for mobile phones and other products without the burden of upfront payment. Tamara’s partner stores cover a wide range of categories, including apparel, beauty, accessories, and electronics. Some of the well-known partner brands include Diesel, Lacoste, Puma, and Shein.

To be eligible for Tamara, you need to be at least 18 years old and a legal citizen or resident of the UAE, Saudi Arabia, or Kuwait. Tamara offers two installment options: you can choose to make three payments over 60 days or make the full payment after 30 days without incurring any additional costs. This flexibility gives you the freedom to choose the option that best suits your financial situation.

The goal of Tamara is to provide everyone with the opportunity to shop without worrying about large payments, hidden fees, or interest charges. If you’re interested in learning more about Tamara and their services, you can visit their official website, which contains all the necessary information you need to get started.

How to Apply for Monthly Installment Mobile Phones in the UAE Without a Credit Card

Purchasing a mobile phone on installment without a credit card has never been easier, thanks to the “buy now, pay later” services offered by various fintech startups in the UAE. These services provide convenient and flexible payment options, allowing you to manage your budget effectively while still enjoying the latest mobile phone models.

In summary, if you’re looking to buy a mobile phone on installment without a credit card, you have several options available. Services like Cashew, Postpay, Spotii, Tabby, and Tamara offer different eligibility requirements, installment options, and partner brands. By exploring their websites and contacting their customer support, you can gather all the necessary information and choose the service that best suits your needs.

Remember, buying a mobile phone on installment allows you to stay up-to-date with the latest technology without straining your finances. So, take advantage of these “buy now, pay later” services and enjoy the convenience they offer.

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