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Get qualified for a mobile loan online of up to Rs 1 lakh in just 3 minutes!

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Benefits of buying mobiles on EMI

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Ease of Liquidity

When you pay upfront for a smartphone, you could end up losing out on an entire month of savings. By opting for a mobile loan online with NIRA, you can get the phone you want, without having less liquid cash to spend in case of emergencies!

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Bite-size spending

The most significant benefit of converting your mobile phone purchase to an EMI is the advantage of managing the monthly expenses. You can buy a phone by paying small EMIs every month without zero down payment on mobile loan online. It’s a win-win situation.

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Goodbye stress

No more cracked screens, low battery problems and mid-conversation hang-ups. What’s more? All this without worrying about money. So leave the stress behind and live your life the smart way on your terms!

3 Easy Steps to buy your new phone!

Wondering how to buy a mobile phone on EMI with NIRA? We have a step by step guide ready for you. All you need to do to buy your mobile phone on EMI is to follow the steps below:

  • Download the NIRA instant loan app on emi without credit card
  • Fill in your details and upload the required documents
  • Set up our inbuilt auto-debit system and avail your personal loan
  • Congratulations! You can now buy the phone of your choice!

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How to buy a phone with Nira EMI?

We at NIRA, understand how complicated life can get without a good smartphone. Which is why we offer to help finance mobile phones in the range of Rs. 5000 to Rs. 1 lakh! All you have to do is download the app, find out your credit limit and avail the credit. We will transfer the money directly to your bank account which you can then use to complete your mobile purchase. In return, you can repay NIRA in small EMIs while taking advantage of discounts and cashback offers from online vendors like Paytm and Amazon by paying for your smartphone upfront.

From managing your schedule and navigating your way through the city to making quick money transfers and staying connecting with people; there’s no denying how heavily dependent we are on our smartphones.

Apply for mobile phones on EMI

You should have a graduate degree.
It’s important to hold a college degree to finance your mobile on EMI from NIRA. A college degree builds on your credibility and credentials for a smartphone loan application.

Your monthly income should be Rs. 20,000 or more
To be eligible to finance your mobile phone on EMI with a debit card, you need to display an ability to be able to afford the EMI repayment. For this reason, your salary plays a crucial role in your smartphone loan application.

You should be employed for at least 6 months.
While it isn’t necessary to have many years of work experience, a continuous and stable employment of minimum 6 months increases your chances of getting qualified for a smartphone loan to help you buy mobile phones on EMI.

You have an Aadhaar card.
An Aadhaar card is mandatory for NIRA smartphone loan application and to buy a mobile emi on aadhar card. This will help speed up the process of completion of verification and KYC.



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