We all want or need to change our phones. And in a world where every day brings a new model, better cameras, and higher specs, it’s normal to think: “Why not use installments?”

But the truth is: Installments look easy at the start, but often become heavier, more stressful, and much more expensive in the end. That’s why more people in Egypt are now looking for ways to buy a new phone comfortably, without commitments, and without feeling like half their salary disappears into monthly installment payments with high interest rates.

This shift is what pushed many people toward a smarter buying strategy: Plan better… save smarter… and buy without stress.

Yes, we’re talking about Save Now, Buy Later the method that has become a key part of smart shopping in 2025.

Let’s break it down simply.

What Are Installment Plans, and How Do They Work?

Installment plans let you split the price of your new phone across several months instead of paying the full amount upfront. Usually, it works like this:

• You pick the phone and the seller.
• You compare the cash price vs installment price.
• You choose your repayment period (6 months, 12 months, 24 months…).
• You submit your info depending on the provider.
• You take the phone and pay your first installment or down payment.

Sounds easy… but that’s just the surface!

Why Installments Aren’t Always the Best Choice?

We won’t say installments are “bad”, but here’s why more people are moving away from them:

1. Heavy Commitment

Even if the monthly installment looks small, the idea of being forced to pay a fixed amount every month, usually with high interest, creates real financial pressure.
And if anything unexpected happens? The whole plan turns into stress.

2. You Pay More Than the Phone’s Price

If the phone costs 30,000 EGP, you might think you’ll pay 30,000.
But with interest, extra fees, and long repayment periods, you often end up paying way more than the original price.

3. You Overshoot Your Budget

Installments make you think: “Why not upgrade? It’s only a small difference per month.”
But that “small difference” turns into double the cost over time, going far beyond what you originally planned to spend.

What’s the Smart Alternative to Installments?

With people struggling with interest, long commitments, and high upfront fees, the smarter alternative today is: Save Now, Buy Later (SNBL). That’s exactly why many people are turning to saving circles, especially digital, licensed, organized ROSCAs like Money Fellows.

Because SNBL flips the entire concept:

• Instead of paying extra, you pay nothing more.
• Instead of monthly interest, you get cashback or value returns.
• Instead of watching your money disappear, your savings grow, and you take them in cash at the end.

If you haven’t downloaded the app yet, get it now and start smart saving without high-interest installments.

How “Save Now, Buy Later” with Money Fellows Makes Buying Your New Phone Easier?

If you want the phone soon, but not the stress or the interest, here’s the simple plan:

• Pick the phone you want and check its price.
• Download the Money Fellows app and choose a money circle (ROSCA) with the amount and payout month that fits your plan.
• Receive your circle payout, buy your phone cash, and avoid all interest, hidden fees, or inflated installment prices.

And if you want to join a December circle and pay your first installment in January using the Money Fellows Card, you can also get 2,000 EGP cashback on your card here.
Yes, saving and earning at the same time.

Is Saving Always Better Than Installments?

Not always, but when it comes to buying a new phone, saving often wins.
Here’s a quick comparison:

Installments:

• Good if you must get the phone immediately
• You’ll pay more than the cash price
• Monthly pressure + long-term commitment

Saving (Save Now, Buy Later):

• Ideal if you can wait 1–2 months
• Zero interest, zero extra cost
• Less stress, more flexibility

With Money Fellows, you save based on your ability, not to repay debt, but to secure your own needs.

Why do more Egyptians prefer Money Fellows Circles?

Because the benefits are clear:

• No interest.
• No inflated prices.
• Your money stays safe and comes back to you in full.
• Licensed and supervised by the Central Bank of Egypt and Banque Misr.
• A smart way to buy your new phone in cash, without pressure

Join a Money Fellows circle today and choose the payout month that fits your plan.

FAQs About Buying Phones with Installments

1- How do I know if I can afford monthly phone installments?

Ideally, your phone installment should not exceed 20–25% of your income.

But with Save Now, Buy Later, it’s much easier; you save at your own pace, with no pressure, no interest, and no growing debt.

2- Do installments really increase the total cost?

In most cases, yes. Installment plans often include: A down payment, high interest, and extra fees.
That’s why many people now prefer digital saving circles like Money Fellows, which let you buy your phone at its real cash price.

3- What’s the smartest way to buy a phone without damaging my budget?

If you're not in a rush, the smartest choice is to save first, not borrow. With Save Now, Buy Later through Money Fellows, you buy your phone comfortably, with no interest, no stress, and no hidden costs.

The 2025 Buying Decision: Pay More or Pay Smart?

It’s no longer just: “Should I buy with installments or not?” The real question is: “Do you want to pay extra? Or pay comfortably and wisely?”

If you want stability, true cash prices, and zero stress, Save Now, Buy Later is the smarter option. And if you want a licensed, trusted, easy way to save, Money Fellows money circles are the logical choice.

Download the app now and start planning your new phone purchase the smart way, cash, stress-free, and fully in control.