Phone installment payments: The smartest way to your new smartphone

Why choose an installment phone?

The biggest advantage of paying for a phone in installments is financial breathing room. Instead of spending €1,000 or more in one fell swoop, you pay a fixed low amount per month. This is combined with your mobile subscription, so you have everything neatly arranged on one bill.

Customer benefits at a glance:

• No big investment upfront: Keep your savings in the bank for other things.
• 0% interest: With almost all providers, you won't pay a penny extra to borrow your device.
• Flexibility: Choose how much you pay off each month by making a one-time down payment.

Spread your costs and enjoy the latest features right away

How exactly does the phone credit work?

When you pay for a phone in installments, you enter into a "phone credit. This is actually a loan where the provider advances the phone for you. You repay this amount over the term of your contract (usually 12 or 24 months).

Telephone bundle versus subscription

It's important to know that your monthly fee consists of two parts:

1. The handset bundle: The redemption of your phone.
2. The subscription fee: The cost of your data, call minutes and text messages. Once your contract period is over, the handset bundle automatically ends and your monthly charges go down substantially.

A new phone without a BKR check

Would you rather not have an official registration with the Bureau Krediet Registratie (BKR)? You can! Since the legislation around phone loans has been tightened, every loan over €250 is registered.

You can avoid a BKR check in two ways:

1. Choose a device under €250: There are plenty of excellent budget phones that fall below this limit.
2. Do a down payment: Have you set your sights on a more expensive model? Then pay a portion in advance, keeping the remaining credit amount below €250. This will allow you to enjoy a new phone in installments without BKR registration.

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How to avoid a BKR registration with your new smartphone, infographic: Kimmic

This is how to instantly find all deals without a BKR registration

Don't want to have to calculate yourself whether or not a device exceeds the magic €250 limit? We've simplified the search process for you. On every device page of our website, you can filter the offer by 'BKR-free' deals with one click.

This is how to use the smart filter:

1. Go to the page of your favorite smartphone (for example, the iPhone or Samsung Galaxy).
2. Search the subscription filter for the option 'No BKR check'.
3. Tick this box.

Once you do this, the results immediately refresh. You will now only see offers where the phone credit is €250 or lower. This way you can be sure that you are signing up for a subscription that does not affect your borrowing capacity for a mortgage, for example, and that you pass the income test effortlessly.