The market is flooded with newer, smarter and faster mobile phones. It is possible that the phone you bought last month is already out of date, with the large number of mobile phones that are introduced every day. Who would not want a new phone to stay in touch with your loved one, be aware of the latest developments and stay digitally updated? Maybe you’ve decided it’s time to update your old phone!

Consumer credit

There is a small inconvenience to buy that phone so desired: the better the phone, the more expensive the price. Is your dream of owning a phone in the background due to the cost factor? Well, do not bother, because there is always an exit for such a situation.

It can be a student or a professional who has just started his career. While obtaining a credit card may not be possible for everyone due to the bank’s strict policies, including the need to have a super-good credit history, a good salary and other similar criteria, there are some simple options available, such as a ‘mobile loan’ ( Consumer loans) to buy it even without having a credit card.

A ‘mobile loan’ is actually a durable loan for the consumer that can be used to buy a mobile device or any other household item. It is specially designed to buy durable goods such as electronic items, washing machines, refrigerators, televisions, water purifiers, mobile phones, etc. NBFCs like Bajaj Finserv and Homecredit offer durable loans to consumers that can help them place that desired phone in their pocket.

If you plan to get a long term and fast loan for Bajaj consumers, all you need to do is buy your mobile phone at a partner store in Bajaj Finserv. If you want to find the closest partner store, simply log in to the Bajaj Finserv website and look for the section “Find the nearest store”. You can approach the customer service executive at the store to get help with the loan application process. Be sure to take your documents while you shop for your favorite mobile. The documents you should usually send will be a completed application form, a photograph and valid KYC documents. This could include proof of photo identification, proof of residency, proof of income and post-dated checks among other documents.

Other NBFCs like Home Credit also work similarly. You can simply visit an associated Home Credit store and choose your mobile phone. You can approach the store’s Home Credit representative for assistance with filling out your loan application form and the required documentation.

Once your loan application is accepted, you can decide on your monthly EMI amount, sign the agreement and make the required initial payment. Once the formalities are completed, you can leave the store with your new mobile phone in your pocket the same day!

Often, people turn to a credit card for the easy EMI options that it offers. Before applying for a credit card, think about the possible purchases you would make with a credit card. If it’s solely to buy a mobile device and other durable consumer goods, stop and think. If you are new to credit and do not have a credit card, you can always consider NBFCs that offer a durable loan to the consumer, which can be a quick, reliable and easy to buy alternative with a credit card. Getting that phone is much simpler than you think!

Read more Top 3 HOT Smartphone you can choose HERE

We only include the best phones in this list, so you can be sure that you always get the latest state-of-the-art device, and we have listed all the phones in order of preference, too, so there is no confusion. The first phone is the best phone.


The first thing that draws attention to the design is, obviously, the 5.8-inch AMOLED screen. It is true that the Edge-to-Edge screen looks absolutely dazzling, both from the point of view of design and from the point of view of technology.

Of course, there is also the higher ‘level’. This interferes slightly on the screen, especially when you want to be completely immersed in something, but call me crazy, I like it. It gives the phone a visual identity.

In addition to the screen, you have the amazingly fast Aion Bionic processor from Apple, fantastic double camera with vertical lighting mode and FaceID (which actually works very well).

It’s the marriage between software and hardware, something that Apple has always been good at, which is so effective here and that is especially the case when it comes to Face ID.


Apple has chosen to stick with a similar design to the iPhone 7, swapping out the all-metal case for a glass back and making it heavier (more premium feeling). There is a glorious new Gold colourway available, and to top it off, the glass casing allows Apple to add wireless charging. The S8 and recent S9 design does make the iPhone 8 feel slightly dated now, however.

It’s inside where the iPhone 8 Plus has received the biggest overhaul – now packing Apple’s blazing fast A11 Bionic processor. The dual camera has also received a significant upgrade, now a better sensor and smart software powering it. To finish it off, the iPhone 8 Plus comes running iOS 11, Apple’s latest and greatest mobile OS.

It is expensive, and it is too large for some, so the standard iPhone 8 with a 4.7-inch display is also worth your consideration.


The S9 is the complete package, as well as the incredible display and industry-leading specifications, this phone also has a decent battery life, an excellent camera and incredible performance. With all that combined, you get not only the most attractive smartphone, but also one of the most successful smartphones in the universe. Yes, the universe!

We believe that the 5.8-inch S9 is perfect, but if you’re looking for a bigger smartphone, Samsung also offers the Galaxy S9 +, which has a massive 6.2-inch screen.

Agree, unfortunately Samsung has not released a perfect phone, there are some small doubts, it is not the most exciting update on the S8 (which can now be purchased relatively cheaply) and Bixby is still inferior to the Google Assistant. But we guarantee that you will not be disappointed if you buy this phone.

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