Obtaining a new smartphone might not be easy because of the huge costs involved, but thanks to BNPL service providers such as Halan. In Egypt, this has become a common practice among people to purchase goods in installments.
Halan Smartphone Installments, Using the Halan application, eligible individuals can easily purchase phones in installments, and the best part of all is that one doesn’t need a credit card to achieve this.
This guide shows the three easy steps one needs to follow to obtain his/her smartphone through this app in installments.
Step 1: Download the Halan App and Get Your Credit Limit
The first thing to do is to download the Halan app to your phone and create your profile.
After filling in your details via your mobile number, you will be required to furnish the necessary personal information as well as documentation, which could be any of the following:
- Details about your national identification card
- Documentation showing proof of income
- Documentation proving that you reside somewhere
- Others, as may be applicable
Then, after your submission, the application undergoes processing through Halan’s online credit limit assessment process.
If your credit limit is accepted, you will get access to a certain amount of money that you will then be able to use for purchasing goods.
Step 2: Selecting Your Smartphone
Once you are done getting the credit limit, you are ready to look for a smartphone.
There are two major ways in which one can get a smartphone:
Shop Using the Halan App
Using the app, customers can shop by picking a suitable model of smartphone that will suit their financial standing.
Shop from Partner Stores
Also, the app partners with various retailers in addition to having more than 1500 partner stores where users can select a device.
Step 3: Finalizing Your Installment Purchase
Having picked out your smartphone, the next step is selecting a repayment plan.
Repayment periods vary depending on eligibility and merchant terms and can be anywhere between several months and years.
At checkout:
- Choose Halan as the mode of payment
- Receive a one-time password
- Input/Forward the OTP for verification purposes
The installment purchase process is then complete, and the agreed repayment plan kicks in
Points to Note Before Opting for Installment Loans
Customers must take into account the following before signing up for installment loans take into account:
- Sufficiently analyzing repayment schemes
- Understanding the fees involved in the repayments
- Ensuring that the monthly repayment amounts do not exceed their budgets
- Developing good repayment habits to avoid future problems when seeking credits
Proper use of installment loans ensures that borrowers reap their benefits while minimizing undue pressure.
Conclusion
Eligible users have the option of purchasing their smartphones in installments using the Halan app without the need for a credit card. The buyer should only apply for a credit limit, pick a smartphone, and then confirm the purchase via an OTP code.
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