iPhone Installment Plan in Malaysia — No Credit Card Needed
Own an iPhone 18 Pro from RM7.30 a day or an iPhone 11 from RM2.90 a day. No credit card, no deposit — approved in as little as 2 hours and collected at a DirectD branch the same day.
Prices updated: 28 September 2026 · Baca dalam Bahasa Malaysia
Quick answer: how much is an iPhone on installment?
At PakaiDulu by DirectD, iPhone installment plans start from RM89 a month (iPhone 11), RM174 a month (iPhone 17 256GB) and RM222 a month (iPhone 18 Pro 256GB) on a 36-month plan. No credit card and no deposit are required — just your MyKad and one month’s payslip. Lane Pantas applications can be approved within 2 hours.
Key takeaways
- 15 iPhone models available, from iPhone 11 to iPhone 18 Pro Max.
- 12, 24 or 36-month tenures — daily and monthly prices shown for every model.
- No credit card or debit card needed to apply: MyKad (front & back) + one payslip.
- Only a one-time AEON/JCL agreement fee on approval — no hidden charges.
- Collect your iPhone at 17 DirectD branches across Malaysia.
Contents
iPhone Installment Price List Malaysia 2026
Lowest monthly payment for each iPhone model on a 12, 24 and 36-month plans.
Lowest iPhone installment price per model, 12, 24 and 36-month plans (updated 28 September 2026)
iPhone 18 Pro Max
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM18.90
RM575
24 Bulan
RM10.70
RM325
36 Bulan
RM7.90
RM242
iPhone 18 Pro Max
512GB
Tempoh
Sehari
Sebulan
12 Bulan
RM22.10
RM671
24 Bulan
RM12.50
RM380
36 Bulan
RM9.30
RM282
iPhone 18 Pro Max
1TB
Tempoh
Sehari
Sebulan
12 Bulan
RM28.40
RM863
24 Bulan
RM16.00
RM488
36 Bulan
RM11.90
RM363
iPhone 18 Pro
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM17.30
RM527
24 Bulan
RM9.80
RM298
36 Bulan
RM7.30
RM222
iPhone 18 Pro
512GB
Tempoh
Sehari
Sebulan
12 Bulan
RM20.50
RM623
24 Bulan
RM11.60
RM352
36 Bulan
RM8.60
RM262
iPhone 18 Pro
1TB
Tempoh
Sehari
Sebulan
12 Bulan
RM26.80
RM815
24 Bulan
RM15.20
RM460
36 Bulan
RM11.30
RM342
iPhone 17 Pro Max
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM18.00
RM547
24 Bulan
RM10.20
RM309
36 Bulan
RM7.60
RM230
iPhone 17 Pro Max
512GB
Tempoh
Sehari
Sebulan
12 Bulan
RM21.10
RM642
24 Bulan
RM11.90
RM363
36 Bulan
RM8.90
RM270
iPhone 17 Pro Max
1TB
Tempoh
Sehari
Sebulan
12 Bulan
RM24.30
RM738
24 Bulan
RM13.70
RM418
36 Bulan
RM10.20
RM311
iPhone 17 Pro
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM16.40
RM499
24 Bulan
RM9.30
RM282
36 Bulan
RM6.90
RM210
iPhone 17 Pro
512GB
Tempoh
Sehari
Sebulan
12 Bulan
RM19.50
RM595
24 Bulan
RM11.00
RM336
36 Bulan
RM8.20
RM250
iPhone 17 Pro
1TB
Tempoh
Sehari
Sebulan
12 Bulan
RM22.70
RM690
24 Bulan
RM12.80
RM390
36 Bulan
RM9.50
RM290
iPhone 17
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM13.50
RM412
24 Bulan
RM7.70
RM233
36 Bulan
RM5.70
RM174
iPhone 17
512GB
Tempoh
Sehari
Sebulan
12 Bulan
RM16.70
RM508
24 Bulan
RM9.50
RM288
36 Bulan
RM7.00
RM214
iPhone 17e
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM10.40
RM317
24 Bulan
RM5.90
RM179
36 Bulan
RM4.40
RM133
iPhone 17e
512GB
Tempoh
Sehari
Sebulan
12 Bulan
RM13.50
RM412
24 Bulan
RM7.70
RM233
36 Bulan
RM5.70
RM174
iPhone 16 Plus
128GB
Tempoh
Sehari
Sebulan
12 Bulan
RM12.60
RM383
24 Bulan
RM7.10
RM217
36 Bulan
RM5.30
RM161
iPhone 16 Plus
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM14.20
RM431
24 Bulan
RM8.00
RM244
36 Bulan
RM6.00
RM181
iPhone 16 Plus
512GB
Tempoh
Sehari
Sebulan
12 Bulan
RM17.30
RM527
24 Bulan
RM9.80
RM298
36 Bulan
RM7.30
RM221
iPhone 16
128GB
Tempoh
Sehari
Sebulan
12 Bulan
RM11.00
RM335
24 Bulan
RM6.20
RM190
36 Bulan
RM4.60
RM141
iPhone 16
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM12.00
RM364
24 Bulan
RM6.80
RM206
36 Bulan
RM5.00
RM153
iPhone 16
512GB
Tempoh
Sehari
Sebulan
12 Bulan
RM15.10
RM460
24 Bulan
RM8.50
RM260
36 Bulan
RM6.40
RM193
iPhone 16e
128GB
Tempoh
Sehari
Sebulan
12 Bulan
RM8.80
RM268
24 Bulan
RM5.00
RM152
36 Bulan
RM3.70
RM113
iPhone 16e
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM11.00
RM335
24 Bulan
RM6.20
RM190
36 Bulan
RM4.60
RM141
iPhone 15 Pro Max
512GB
Tempoh
Sehari
Sebulan
12 Bulan
RM20.50
RM623
24 Bulan
RM11.60
RM352
36 Bulan
RM8.60
RM262
iPhone 15 Pro Max
1TB
Tempoh
Sehari
Sebulan
12 Bulan
RM23.60
RM719
24 Bulan
RM13.40
RM406
36 Bulan
RM9.90
RM302
iPhone 15
128GB
Tempoh
Sehari
Sebulan
12 Bulan
RM10.40
RM316
24 Bulan
RM5.90
RM179
36 Bulan
RM4.40
RM133
iPhone 15
256GB
Tempoh
Sehari
Sebulan
12 Bulan
RM11.30
RM345
24 Bulan
RM6.40
RM195
36 Bulan
RM4.80
RM145
iPhone 14 Plus
128GB
Tempoh
Sehari
Sebulan
12 Bulan
RM9.40
RM287
24 Bulan
RM5.30
RM162
36 Bulan
RM4.00
RM121
iPhone 14
128GB
Tempoh
Sehari
Sebulan
12 Bulan
RM8.80
RM268
24 Bulan
RM5.00
RM152
36 Bulan
RM3.70
RM113
iPhone 13
128GB
Tempoh
Sehari
Sebulan
12 Bulan
RM7.90
RM239
24 Bulan
RM4.50
RM135
36 Bulan
RM3.30
RM101
iPhone 11
128GB
Tempoh
Sehari
Sebulan
12 Bulan
RM6.90
RM211
24 Bulan
RM3.90
RM119
36 Bulan
RM2.90
RM89
Why Get Your iPhone on Installment With PakaiDulu?
iPhone 18 Pro Max Installment Plan
iPhone 18 Pro Max 256GB from RM242/month (RM7.90/day) on a 36-month plan.
Apple’s newest and largest iPhone, launched in Malaysia on 18 September 2026. Best if you want the biggest display, longest battery life and the latest Pro camera system.
iPhone 18 Pro Installment Plan
iPhone 18 Pro 256GB from RM222/month (RM7.30/day) on a 36-month plan.
The latest Pro camera and performance in a more compact size, at a lower monthly payment than the Pro Max for the same storage.
iPhone 17 Pro Max Installment Plan
iPhone 17 Pro Max 256GB from RM230/month (RM7.60/day) on a 36-month plan.
Last generation’s flagship is still extremely capable — a lower-cost way to get a big display and Pro cameras compared with the iPhone 18 Pro Max.
iPhone 17 Pro Installment Plan
iPhone 17 Pro 256GB from RM210/month (RM6.90/day) on a 36-month plan.
A well-balanced Pro model for people who care most about camera and video quality.
iPhone 17 Installment Plan
iPhone 17 256GB from RM174/month (RM5.70/day) on a 36-month plan.
The most popular choice for most buyers — 256GB storage as standard at an affordable monthly payment.
iPhone 17e Installment Plan
iPhone 17e 256GB from RM133/month (RM4.40/day) on a 36-month plan.
The cheapest way to own an iPhone 17-generation phone with 256GB of storage.
iPhone 16 Plus Installment Plan
iPhone 16 Plus 128GB from RM161/month (RM5.30/day) on a 36-month plan.
A large display and long battery life at a lower monthly instalment.
Cheapest iPhone on an Installment Plan
Want the lowest monthly payment? These models start from RM89 a month (iPhone 11) and still receive iOS updates.
iPhone 16 Installment Plan
iPhone 16 128GB from RM141/month (RM4.60/day) on a 36-month plan.
iPhone 16e Installment Plan
iPhone 16e 128GB from RM113/month (RM3.70/day) on a 36-month plan.
iPhone 15 Pro Max Installment Plan
iPhone 15 Pro Max 512GB from RM262/month (RM8.60/day) on a 36-month plan.
iPhone 15 Installment Plan
iPhone 15 128GB from RM133/month (RM4.40/day) on a 36-month plan.
iPhone 14 Plus Installment Plan
iPhone 14 Plus 128GB from RM121/month (RM4.00/day) on a 36-month plan.
iPhone 14 Installment Plan
iPhone 14 128GB from RM113/month (RM3.70/day) on a 36-month plan.
iPhone 13 Installment Plan
iPhone 13 128GB from RM101/month (RM3.30/day) on a 36-month plan.
iPhone 11 Installment Plan
iPhone 11 128GB from RM89/month (RM2.90/day) on a 36-month plan.
iPhone Installment Without a Credit Card — Debit Card & “iPhone Loan” Explained
No credit card: you don’t need a credit card to apply. Approval is based on your MyKad and payslip, not a card limit.
Debit card: you don’t need a debit card to apply either. How your monthly payments are collected is explained when you sign your agreement at the branch.
“iPhone loan”: this is an installment (leasing) plan through AEON or JCL, not a personal loan. You pay a fixed monthly amount over 12, 24 or 36 months, with a one-time agreement fee on approval.
How to Buy an iPhone on Installment (4 Steps)
- Choose your iPhone and tenure — pick the model, storage and a 12, 24 or 36-month plan.
- Apply online — upload your MyKad (front & back) and latest payslip.
- WhatsApp verification — our team contacts you; Lane Pantas applications can be approved within 2 hours.
- Collect at a DirectD branch — sign the agreement and take your iPhone home the same day.
Eligibility & Documents
- Malaysian citizens aged 18 to 60.
- Copy of MyKad (front & back) and your latest one-month payslip.
- Open to permanent, contract, freelance and self-employed workers, plus Grab / ShopeeFood / FoodPanda riders with valid income documents.
- Not eligible: people blacklisted by a bank or financial agency, declared bankrupt, or with a debt-related court case.
University & college students: see the Student Support Program (no payslip needed). Civil servants: see the civil servant installment plan (60 months, salary deduction).
PakaiDulu vs Other Ways to Pay for an iPhone Monthly
Comparison of iPhone monthly payment options in Malaysia
| PakaiDulu by DirectD | Telco plan | BNPL app | Credit card installment | |
|---|---|---|---|---|
| Credit card needed | No | No | No | Yes |
| Deposit | None | Depends on plan | First payment at checkout | None |
| Postpaid plan required | No | Yes | No | No |
| Maximum tenure | 36 months | Up to 36 months | Usually shorter | Depends on bank |
| Latest flagship iPhone | Yes (iPhone 18 Pro Max) | Yes | Limited by credit limit | Yes |
| Same-day in-store pickup | Yes, 17 branches | Depends | No | Depends |
Where to Collect Your iPhone: DirectD Branches
After approval, collect your iPhone at any DirectD branch. Addresses, opening hours and Waze links are on our full branch list.
- DirectD Subang Jaya (HQ) — Selangor
- DirectD Gadget Mega Store, Petaling Jaya — Selangor
- DirectD TSB Sungai Buloh — Selangor
- DirectD Bukit Raja, Klang — Selangor
- DirectD Bangi — Selangor
- DirectD Wangsa Maju — Kuala Lumpur
- DirectD Senawang, Seremban — Negeri Sembilan
- DirectD Bandar Baru Uda, Johor Bahru — Johor
- DirectD Kota Tinggi — Johor
- DirectD Mydin Meru, Ipoh — Perak
- DirectD Alor Setar — Kedah
- DirectD Batu Kawan — Penang
- DirectD Kota Bharu — Kelantan
- DirectD Flagship Store, Kuantan — Pahang
- DirectD Kota Kinabalu (2 stores) — Sabah
- DirectD VivaCity Mall, Kuching — Sarawak
100,000+ Customers Approved
iPhone Installment FAQ
The iPhone 18 Pro Max 256GB installment starts from RM242 a month (RM7.90 a day) on a 36-month plan, RM325 a month on 24 months, or RM575 a month on 12 months. The 512GB model starts from RM282 a month and the 1TB from RM363 a month (36 months).
The iPhone 18 Pro 256GB starts from RM222 a month (RM7.30 a day) on a 36-month plan. The 512GB model starts from RM262 a month and the 1TB from RM342 a month.
The iPhone 17 256GB starts from RM174 a month (RM5.70 a day) on 36 months, and the iPhone 17 512GB from RM214 a month. The iPhone 17 Pro 256GB starts from RM210 a month and the iPhone 17 Pro Max 256GB from RM230 a month.
Yes. PakaiDulu iPhone installment plans need no credit card and no deposit. You only need a copy of your MyKad (front and back) and your latest one-month payslip.
No card is needed to apply — you apply with your MyKad and payslip, and approval is based on those documents. How monthly payments are collected is explained when your agreement is signed at the branch.
The iPhone 11 128GB is the cheapest option, from RM89 a month (RM2.90 a day) on 36 months. Other budget options include the iPhone 13 from RM101 a month, the iPhone 14 and iPhone 16e from RM113 a month, and the iPhone 17e from RM133 a month.
It is an installment (leasing) plan through AEON or JCL rather than a personal loan. You pay a fixed monthly amount over 12, 24 or 36 months, with a one-time agreement fee charged on approval and no hidden charges.
Yes. Every iPhone is a 100% original Malaysia Set, SIRIM-certified and covered by a 1-year manufacturer warranty. Extended Warranty and Screen Crack Warranty are available as add-ons.
Complete applications on the Lane Pantas priority track can be approved within 2 hours (Monday to Friday, 10am to 4pm). Once approved, sign the agreement and collect your iPhone at any DirectD branch the same day.
Applicants must be Malaysian citizens aged 18 to 60 with a valid payslip or income documents. People blacklisted by a bank or financial agency, declared bankrupt, or with a debt-related court case are not eligible.
Yes. University and college students aged 18 to 25 can apply through the Student Support Program without a payslip. Civil servants can apply for a 60-month plan with salary deduction through ANGKASA.
Apply for an iPhone Installment Plan
Fill in the form and upload your MyKad and payslip. Our team will contact you on WhatsApp.