iPhone in installments

iPhone in Installments: How to Make a Smart Purchase with FUIB

Apple’s iPhone stands out for its high performance, intuitive interface, and attractive design. This smartphone not only provides essential functions but also makes everyday life much easier. To become part of the Apple world and enjoy all the benefits of the gadget, it’s worth getting your iPhone in installments.

How iPhone Installments Work: Basic Terms from the Bank

To buy your dream device without putting a heavy strain on your budget, the bank offers the "Splachuyte chastynamy" service. This is a financial agreement under which the cost of the iPhone is divided into several equal payments. You don’t have to pay the full amount upfront, as FUIB allows you to pay it in parts over a chosen period.

Moreover, you don’t have to make any payment on the day of purchase. The first payment is due only one month later. FUIB offers installment plans of up to 24 months with no seller’s commission.

Advantages of Installments: Access the Gadget Without Large One-Time Expenses

Paying in installments is the right choice to buy an iPhone, as it offers several advantages:

• financial accessibility;
• no initial payment;
• flexibility;
• time saving.

An iPhone is quite an expensive purchase. But with the help of FUIB Bank, you can avoid saving up the full amount and enjoy innovative technology right away without burdening your budget.

Another important advantage is the absence of an initial payment — you don’t have to pay anything on the day of purchase. The first payment is due one month after signing the agreement. For an additional fee, you can extend the installment term if the store’s standard term is not long enough and you want to reduce your monthly financial load. 

The installment service can be arranged quickly and conveniently through the PUMB mobile app. This option saves you both time and effort. You can also pay for your purchase in the app using the Chastynamy WORLD feature, which allows you to order devices in installments from any Ukrainian or international websites with a favorable low commission.

Which iPhone Models Can Be Purchased in Installments

Thanks to PUMB’s active cooperation with leading Ukrainian retailers, you can buy any iPhone model in installments that is available in partner stores. It doesn’t matter whether you choose the latest version of the iconic device or a tried-and-tested model from the previous year. Just select the model you like the most, and our bank will take care of spreading out the payments.

The Difference Between Installments and Credit: Which to Choose

To purchase equipment, you can use either the installment plan or a standard loan from FUIB. However, for gadgets such as the iPhone, paying in installments may be more advantageous than a loan, as it’s a targeted payment plan with no commission. This simple and transparent payment method doesn’t require an initial deposit. Moreover, the bank offers an installment period of up to 24 months, which is often longer than traditional credit programs.

How to Arrange an iPhone Installment Plan Online or at a Bank Branch

To apply for an installment plan online, you need to:

• Download the PUMB mobile app.
• Find the desired iPhone model on the website or in a partner store.
• Select “Splachuyte chastynamy” as your payment option.
• Extend the installment term if needed (note: this option is available for an additional fee).
• Receive a notification from the bank.
• Confirm your purchase in the PUMB mobile app and get your dream device.

With these simple steps, you can easily purchase an iPhone in installments without even leaving your home. The PUMB mobile app will also assist you throughout the entire installment period, allowing you to conveniently manage your monthly payments.

You can also apply for an installment plan at a FUIB branch. There, you’ll receive detailed information from a specialist and complete all necessary procedures for paying in installments under professional guidance.

Tips for Planning Monthly Payments Without Straining Your Budget

Before applying for any installment plan, it’s important to evaluate your financial capabilities. You should clearly understand your monthly income and regular expenses. This will help you calculate how much you can allocate to installment payments without disrupting your daily lifestyle. It’s recommended to review your budget monthly or quarterly to ensure it still fits your needs and adjust it if necessary.

You can use the “50–30–20” budgeting rule: 50% of your budget goes to essentials, 30% to personal needs, and the remaining 20% to installment payments and savings.

It’s also crucial to maintain a financial “safety cushion.” This monthly reserve can come in handy in case of unexpected events, ensuring you can continue making your regular iPhone payments.

Buying an iPhone in Installments — FUIB Partner Stores

FUIB collaborates with both large hypermarkets and specialized retailers, including: 

• Rozetka;
• Epicenter;
• Comfy;
• Moyo;
• Foxtrot;
• Citrus;
• Allo;
• Yabko and others.

You can easily check which stores offer iPhone installment purchases from FUIB on the bank’s website or in the app.

Buying an iPhone in installments with FUIB is a smart choice — it’s a great way to get the desired gadget without a large one-time payment. Additionally, with FUIB you can also apply for Hroshi v rozstrochku with a maximum credit limit of up
to 300,000 UAH if you wish to purchase equipment from any other store.