Buy New & Used Phones on Easy Installments
20%–40% Down Payment | 3 to 12 Months Terms
Instant Installment Calculator
Check advance & monthly payments for new & certified used phones.
How It Works
Four simple steps to get your brand new or certified pre-owned smartphone on installments
Select Phone
Browse verified brand-new official box pack or certified 10/10 pre-owned smartphones from our inventory.
Choose Plan
Select your required advance payment (20% to 40%) and tenure duration from 3, 6, 9, or 12 monthly terms.
Quick Verification
Submit your original CNIC and basic income details directly via WhatsApp for instant manual approval.
Receive Device
Enjoy free insured doorstep courier delivery anywhere across Pakistan or instant pickup from Ellah Abad shop.
Official Installment Slabs
Flat 6% monthly markup calculated transparently on the remaining balance
| Price Range | Required Advance | Available Tenures | Monthly Markup |
|---|---|---|---|
| Up to Rs. 40,000 | 20% Advance | 3, 6, 9, 12 Months | 6% / Month |
| Rs. 40,001 – 60,000 | 25% Advance | 3, 6, 9, 12 Months | 6% / Month |
| Rs. 60,001 – 80,000 | 30% Advance | 3, 6, 9, 12 Months | 6% / Month |
| Rs. 80,001 – 100,000 | 35% Advance | 3, 6, 9, 12 Months | 6% / Month |
| Above Rs. 100,000 | 40% Advance | 3, 6, 9, 12 Months | 6% / Month |
Frequently Asked Questions
Everything you need to know about purchasing smartphones on installment with Habib Hub
The process is 100% paperless. You only need a clear copy of your original Smart CNIC (front and back), contact details of 1–2 family/guarantor references, and basic proof of income or business operations submitted directly to our official WhatsApp.
No, you do not need any credit card. We provide direct in-house PalmPay financing backed by CNIC verification, making smartphones accessible to everyone across Pakistan.
Yes! Every pre-owned phone sold at Habib Hub is 100% Official PTA Approved with SIMs guaranteed to work. Additionally, we provide a 7-day physical and operational checking warranty on all used devices.
Our pricing is completely transparent with a flat 6% monthly markup applied strictly to the remaining balance after your down payment is deducted. There are zero hidden bank charges or compounding penalties.
You can conveniently pay your monthly dues on your designated monthly due date using JazzCash, EasyPaisa, Raast, or direct online bank transfer to Habib Hub's official accounts.
Yes, early full repayment is completely allowed at any time during your tenure with zero early termination fees or penalties.
