Let’s say you’re shopping for an iPhone 16.

Presently, there are a few ways to finance it. Take the iPhone with 256GB storage as an example.

First, you can purchase it for RM 3,148 in cash.

Second, you can pay with six monthly credit card installments of RM 524.67 per month.

Third, if you’re a Maxis user, you can opt for Maxis Zerolution where you pay RM 101 per month for 36 months, as long as you stick to the Maxis 109 plan throughout that duration.

Hmm … Isn’t it tricky?

Here, we shared simple tricks on how you can purchase this iPhone at the best possible price. This is so that we all could become smarter consumers. You’ll find:

– Detailed Excel Spreadsheets to work on each scenario.
– Situation when you should opt to pay for it with cash
– Situation when you should use finance it with credit card installments
– Situation when you could consider signing up for Maxis Zerolution

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Ian Tai
Ian Tai

Financial Content Machine. Dividend Investor. Produced 500+ Financial Articles featured in KCLau.com in Malaysia and the Fifth Person, Value Invest Asia, and Small Cap Asia in Singapore. Regular Host and Presenter of a Weekly Financial Webinar with KCLau.com. Co-Founded DividendVault.com, an online membership site that empowers retail investors to build a stock portfolio that pays rising dividends year after year in Malaysia and Singapore.

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