ZTE Smartphones on EMI: Budget Phones with Even Lower Upfront Cost

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 an EMI. (I touched on that topic while I explored all the different types of EMI you could get in Nepal). The latest jumper into the bandwagon is ZTE, which only recently made a comeback into the Nepali smartphone market.

Apparently, their EMI is “hassel” free as well. That’s the spelling of hassle they’ve gone with on their promotional material. If any ZTE representatives are reading this, it’s spelt “hassle”. “Hassel”, turns out, is a village in Germany!

Anyway, let’s take a look at ZTE phones available in EMI, and the way to get them.

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. However, Samsung still has a sort of leg up in here. Because all these other companies have a lower threshold on whether you can apply for EMI or not.

Xiaomi’s lower limit is Rs. 30,000. Realme’s is Rs. 20,000. And Samsung? It’s Rs. 15,000. Meaning, you could get the cheapest Samsung phone, i.e. Galaxy A06, on an EMI.

This is where ZTE comes in and capitalises in partnership with Jagadamba Hire Purchase. Since ZTE’s most expensive phone is the V70 Design, which can go up to Rs. 18,999, making ZTE 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 (August 2025 Updated)

ZTE Mobiles EMI in Nepal Details Chart

That being said, ZTE doesn’t offer EMI on all its catalogue. Only the two most priciest, and for them, this is what the maths looks like:

ZTE Phones EMI in Nepal List

Now, I would have loved to see EMI being available to even cheaper models so that a wider audience could get their hands on a smartphone easily. However, we can’t overlook the fact that it’s a business.

And handing out EMI without interest on phones that are worth peanuts to these companies mustn’t turn a profit. I already don’t understand how these finance companies make money on the EMI of products without a service charge and 0% interest. A deal with the companies themselves, perhaps.

The point is — it is very unlikely that we will see EMI being provided on more affordable ZTE phones.

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

I think I have already made my feelings clear with ZTE phones being available on EMI. It’s 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. 19,000, by paying Rs. 7,600 right now, and Rs. 1,900 on 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 explained properly 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!