Kyspeaks.com

Having had a couple weeks to test drive the iPhone 6 with U Mobile’s network, I must say that the combination of both the device and the network comes together pretty good in delivering a positive user experience.

I really have very little brand loyalty, the only motto in my consumer life – may the best deal and specifications win. And when it comes to smartphones, my number one priority has always been the camera. Which brings us to the latest offering from Apple – the iPhone 6s.

The latest iPhone has the most significant update to its camera module, with 12 megapixel sensor and optical image stabilisation active on both photo & 4k video shooting, many reviews claim that this is the best camera mounted on a phone at this moment. Which to me, is a very tempting proposition.

With the rise of USD against the Ringgit in recent months, it is not surprising that the price of flagship mobile phones will be quite a fair bit more expensive than they were a year or two ago. That is the unfortunate reality that we are living in.

While many of us will use our credit cards to finance our purchase, and perhaps some has the benefit of utilizing “easy payment” schemes, U Mobile now comes up with an even more attractive plan to enable ownership of latest smartphones with U Mobile MicroCredit, which is available for both prepaid & postpaid users.

So what is U Mobile MicroCredit?

It is basically a financing plan from U Mobile that doesn’t require a credit card or even down payment. For example, take a look at the table above, if you are to get an iPhone 6S with full selling price at RM 2,25.60 (with GST inclusive) – you can either choose from paying an upfront payment as low as RM 175.60 with a monthly installment of RM 118 for 36 months, or you can loan only RM 1,000 (RM 48 monthly for 36 months), or if you want to pay it all in 12 months, or 24 months, or .. well, you get the drift.

The plan is as flexible as you want it to be, really.

The good news is, you don’t have to pay for the full price either. The table above shows the subsidised price for the various models of iPhone 6s & 6s+ if you subscribe to the U Mobile iPlans. Monthly fee for the iPlans are basically the number next to the “i” plus 6% GST. These plans are loaded with pretty good data quota too

• i40 – 1.5 GB (40 mins)
• i60 – 5 GB (60 mins)
• i90 – 7 GB (unlimited minutes to all network)
• i130 – 10 GB (unlimited minutes to all network)

In addition to getting a subsidised price and using U Mobile MicroCredit, there’s another trick up the sleeve in which you can utilize to better afford the latest & greatest iPhone 6S – by trading in the old device.

Here’s how much you can get from trading in (valid from 16/10/2015 to 30/11/2015) –

• iPhone 6+, RM 1800
• iPhone 6, RM 1600
• iPhone 5s, RM 700
• iPhone 5, RM 400
• iPhone 5c, RM 150
• iPhone 4s, RM 100
• Galaxy Note 4, RM 1050
• Galaxy Note 4, RM 550
• Galaxy Note 2, RM 200
• Galaxy Note 1, RM 200
• Galaxy S5, RM 450
• Galaxy S4, RM 250
• Galaxy S3, RM 150
• Xperia Z3, RM 850
• Xperia Z2, RM 500
• Xperia Z1, RM 300
• HTC One M8, RM 450

* you also get extra RM 100 rebate if you traie in old iPhone and upgrade to iPhone 6s or iPhone 6s plus.

With all these info, now it’s the time to whip out the calculator (or fire the calculator app on your smartphone, of course) to figure out the financial route to owning arguably the best camera phone there is on the market. Head to www.u.com.my/iphone6s for more info.