iPhone 13 on Loan: Buying an iPhone is a dream for many people in India. However, due to the high cost, not everyone can buy it in one go. That’s where the iPhone 13 on loan option comes in handy. You can now own your dream phone and pay for it in small EMIs without worrying about a big one-time payment.
1. Why Choose iPhone 13 in 2025?
The iPhone 13 is still one of the most loved smartphones in 2025 because of its:
- Powerful A15 Bionic chip
- Amazing camera quality
- Long battery life
- Smooth iOS experience
- Stylish and premium design
It is a perfect choice for those who want performance and style at a slightly lower price than the latest models.
2. How to Buy iPhone 13 on Loan?
Buying the iPhone 13 on loan is easy and can be done in these ways:
- Online Platforms: Flipkart, Amazon, Croma, and Tata Neu offer EMI options.
- Apple Store: Official Apple stores provide loan facilities through partner banks.
- Retail Stores: Places like Reliance Digital or Vijay Sales offer loan and EMI plans.
- Apps and Finance Companies: ZestMoney, Bajaj Finserv, HDFC, and other finance apps also give iPhone 13 on EMI.
3. Documents Required for iPhone Loan
To get an iPhone 13 on loan, you will usually need:
- Aadhaar Card
- PAN Card
- Recent Passport-size photo
- Salary slip or bank statement (for income proof)
- Good CIBIL score (for faster approval)
4. EMI Plans and Interest Rates
Loan and EMI plans may vary based on where you buy and your financial background. Here’s a general idea:
- Loan Tenure: 3 months to 24 months
- Down Payment: Sometimes ₹0, sometimes up to ₹10,000
- Interest Rate: 0% to 18% depending on provider
- Monthly EMI: Starts from ₹2,500 to ₹5,000 approx.
Tip: Choose 0% EMI plans if available. It saves you money.
5. Tips Before Taking iPhone 13 on EMI
- Compare EMI offers from different platforms
- Choose no-cost EMI if possible
- Read terms and conditions carefully
- Avoid long tenures (you may end up paying more)
- Make sure you can manage monthly EMI payments
Conclusion
Owning an iPhone 13 in 2025 is no longer a faraway dream. With easy EMI and loan options, anyone with a steady income can now afford this premium smartphone. Just choose a trusted platform, check the EMI details, and go ahead with your dream purchase.
FAQs – iPhone 13 on Loan
Q1. Can I buy iPhone 13 with zero down payment?
Yes, some platforms like Flipkart and Amazon offer zero down payment deals, especially during sales.
Q2. What happens if I miss an EMI payment?
Missing an EMI can affect your CIBIL score and may add extra charges. Always pay on time.
Q3. Is iPhone 13 still worth buying in 2025?
Absolutely. It offers great performance, camera quality, and iOS updates at a reasonable price.
Q4. Which app is best for iPhone loan?
Apps like Bajaj Finserv, ZestMoney, and HDFC Bank are popular for EMI-based phone purchases.
Q5. Can students buy iPhone 13 on EMI?
Yes, if the student has a regular income or uses a co-applicant (like a parent) for the loan.