You Can Buy ZTE Smartphones on EMI in Nepal (Even the Already Affordable Ones!)

Smartphone companies are offering 0% EMI service left, right, and centre. And hey, I am not here to complain. It’s great for the customers. I, myself, bought my past two phones on EMI. (I touched on that topic while I explored all the different types of EMI you could get in Nepal).

Like every other company, ZTE, which only recently made a comeback into the Nepali smartphone market, is also offering EMI services.

ZTE Phones on EMI in Nepal

Ever since Samsung came up with “Insta Finance”, all the other companies started a race to do something similar. And why wouldn’t they? It made it easier for customers to buy stuff. Which meant companies could sell more, which also meant that they could profit more.

Currently, almost all the major players in the Nepali smartphone industry are offering a hassle-free EMI service. Despite that, Samsung still held a major advantage over the competition. That’s because, while all the other companies did start offering EMI plans, the lower threshold for availing the service is still kind of high.

For instance, Xiaomi’s lower limit is Rs. 30,000. Infinix’s is Rs. 25,000. And Samsung? It’s Rs. 15,000. Meaning, you could get the cheapest Samsung phone, i.e., Galaxy A07, on an EMI.

This is where ZTE comes in and capitalises in partnership with Jagadamba Hire Purchase. Since ZTE’s offerings are already quite affordable to begin with, it is the only other company to offer an EMI service in the price range under Rs. 20,000, a.k.a the segment where most phones are sold.

ALSO READ: Best Phone Under Rs. 20,000 in Nepal (November 2025 Updated)

ZTE Mobiles EMI in Nepal Details Chart

Initially, ZTE didn’t offer EMI on all its catalogue. They started with the V70 series, which was their most priciest offering at the time. But now the company has added a few more names that you can apply an EMI for. And here is what the maths look like for them:

ZTE Phones EMI in Nepal List

How to Get a ZTE Smartphone on EMI?

The process is similar to all other EMIs out there:

1. Go to a store offering a ZTE phone on EMI, along with a guarantor
2. Have citizenship and two passport-sized photos of you and the guarantor
3. Consult with the store and get the paperwork going
4. Pay the down payment I have listed above
5. Done!

There are, of course few more things you must realise.

1. You will have to pay the monthly instalments on time. You will be informed on how to do so. Heads up, it’s probably through Khalti.
2. There will be penalties if you miss the payment. Probably something like a phone being locked, and a fine of 2% of whatever remaining amount you have left to pay.

ZTE Phones EMI in Nepal: Conclusion

ZTE phones being available on EMI is really good for customers with even super-tight budgets, as they can get a better phone with a lower upfront cost. I mean, it’s good that they can get a phone costing Rs. 11,000 by paying Rs. 4,400 right now, and Rs. 1,100 in subsequent months.

If this option weren’t a thing, they should have settled for something of far lesser quality. Now my only concern is that these customers be properly informed on how to pay their instalments by the stores. This is because the primary audience opting for a phone at this price range won’t be tech-savvy per se. And taking advantage of a customer’s confusion is a huge no-no.

What do you think of the ZTE Phones EMI service in Nepal? Do let us know in the comments below!