Explore How to Get a Smartphone with No Deposit and Pay Monthly

If you’re looking to upgrade your mobile without paying everything upfront, getting a smartphone with no upfront cost and monthly payments is the perfect solution. In South Africa, you can find trusted retailers and platforms that offer the latest devices on flexible, interest-free installment plans—making it easier than ever to stay connected.

How to Buy a Smartphone in South Africa with No Deposit and Monthly Payments

Smartphones have become an essential part of daily life—from managing work and finances to staying in touch with loved ones. But high prices often make them feel out of reach. Fortunately, several trusted South African retailers and credit platforms now offer smartphones on credit with zero deposit, and in many cases, interest-free installments.

Whether you’re shopping for a budget-friendly Android or the latest iPhone, there are multiple ways to pay monthly and avoid upfront costs. Here’s how it works and where to shop.

1. Top Retailers Offering Smartphones with Monthly Payment Plans

Takealot

• Offers smartphones from Samsung, Apple, Xiaomi, Vivo, and Nokia.
• Payment options via PayJustNow, Mobicred, and RCS Store Card.
• Some deals start as low as R199/month.
• Interest-free options available with selected devices and promotions.

Incredible Connection

• Get smartphones on credit via RCS or PayJustNow.
• Brands include Huawei, iPhone, Samsung, and Oppo.
• Offers «buy now, pay later» plans with 3–36-month options.
• Interest-free plans often available during special events.

Cellucity (Vodacom Retailer)

• Offers contract and non-contract phones on monthly payments.
• Also offers device-only finance via Mobicred or store account.
• Options for zero deposit with approved credit.

2. Buy Now, Pay Later Platforms for Smartphones

PayJustNow

• Spread payments across three equal, interest-free installments.
• No deposit required.
• Available at many electronics and mobile stores including Takealot and Incredible Connection.
• Fast online approval using your SA ID and mobile number.

Mobicred

• Revolving credit facility approved by NCR.
• Accepted at 5,000+ online stores, including Cellucity, Takealot, and Zasttra.
• Monthly payments from 3–12 months.
• Competitive interest rates, but many retailers offer 0% interest for limited-time deals.

RCS Store Card

• Accepted at over 26,000 merchants in South Africa.
• Includes mobile retailers like Game, Makro, Incredible Connection, and Cellucity.
• Up to 36 months repayment term with zero deposit (if approved).
• Apply online with quick credit checks.

3. Example Smartphone Deals and Monthly Payments

Here are examples of popular smartphones available with monthly payment plans in South Africa (based on June 2025 offers):

Prices and monthly plans are estimates. Final offers depend on promotions, credit approval, and chosen platform.

4. Requirements to Buy a Smartphone with Monthly Payments

To qualify for a smartphone deal with no deposit in South Africa, you’ll typically need:

• South African ID or legal residency
• Be 18 years or older
• Proof of income or payslips (not always required for PayJustNow)
• Active cellphone number and email
• Positive credit history (for Mobicred or RCS)

Some platforms like PayJustNow require no formal credit check, making them ideal for first-time buyers or those without existing credit.

5. Best Smartphone Brands Available on Installments

Most major brands are available through monthly payment plans with or without interest:

• Samsung – A-series for budget; S-series for flagship performance.
• Apple – iPhone SE, iPhone 13 and iPhone 14 models widely offered.
• Xiaomi – High specs at budget-friendly pricing.
• Huawei – No Google Play, but solid mid-range models.
• Oppo – Strong battery and camera performance.
• Vivo – Popular for value-seekers.

6. Advantages of Buying a Smartphone with No Upfront Cost

✅ No large payment required – Access premium devices immediately.
✅ Flexible repayment plans – Choose 3, 6, 12, or 24-month options.
✅ Interest-free options available – Especially with PayJustNow or during promotions.
✅ Build your credit profile – Responsible repayments help future financing.
✅ Convenient online approvals – No need to visit a physical store.

7. What to Consider Before Financing a Smartphone

Before signing any payment agreement, keep in mind:

• Always check interest rates – Some plans may charge up to 21% APR.
• Watch for service or admin fees – Especially with Mobicred and RCS.
• Choose realistic terms – Longer terms mean lower monthly payments, but more total cost.
• Compare total repayment – Don’t get trapped by «small» monthly fees.
• Check return and warranty policies – Especially for online purchases.

8. Where to Safely Buy Smartphones on Credit in South Africa

Here are trusted and widely-used platforms and retailers:

• Takealot.com – Big selection, multiple payment options.
• Incredible Connection – Great for tech bundles and PayJustNow.
• Cellucity.co.za – Vodacom-affiliated with financing for unlocked phones.
• HiFi Corp – Offers Mobicred and RCS credit deals.
• Zasttra – Online-only tech store accepting Mobicred and Payflex.
• Makro and Game – In-store RCS financing with flexible terms.

Conclusion

If you’re thinking, «I’m looking to buy a smartphone with monthly payments,» but don’t want the upfront burden, you’re in luck. In South Africa, getting a smartphone on interest-free installments or through trusted credit providers is simple, fast, and accessible—even if you don’t have a deposit.

Compare platforms, pick your payment plan, and get the device you want—delivered to your door, with zero upfront stress.