As much as many people want to own the amazing iPhone 6, it is still considered a premium device at a price that is far-fetched for mass market. Though offered at a subsidised rate, most of the existing iPhone 6 plans start the device rate from RM2000, meaning that customers have to pay RM2000 as an upfront payment for the device during registration.

Understanding the market sentiments, as well as the sustaining demand for the iPhone 6, U Mobile launched its very own device financing programme, U MicroCredit.  In partnership with Berjaya Credit this allows its subscribers to take home the iPhone 6 starting from RM98, making the premium device affordable for everyone in Malaysia.

The U MicroCredit is akin to a micro loan, but it does not require a credit card, collateral or upfront payment upon registration. All customers need to do is either apply online or walk in to any of the U Mobile stores, sign up for the device financing programme, pick an iPlan to accompany the iPhone 6 or iPhone 6 Plus and choose a monthly repayment scheme!

Successful U MicroCredit applicants can walk away with their dream device starting from RM98 and the flexible repayment programme allows customers to finance the device over a spread of up to 33 months. The best part is its availability for both postpaid and prepaid U Mobile subscribers. In addition, the easy application process and a fast 2-hour approval makes it hassle free for Malaysians to own a smartphone.

Available Tenures

12, 24, 30 months (right now)
33 months from 1st of April onwards

Minimum Requirements

You must a Malaysian citizen aged 18 years old and above with a minimum monthly income of RM1,000.

Required Documents

1. Photocopy of NRIC (Certified True Copy by U Merchant)

2. Proof of Income (Photocopy Certified True Copy by U Merchant)

1. Employed
   - Latest 2 Month Salary Slip, or Letter of offer of employment (if recently employed) Latest EPF Statement

2. Self Employed
   - Latest 3 months bank account statement (must be active with transactions) OR Latest updated Bank Account Savings Book plus 1st page

NOTE: must have at least 2 active transactions consisting of one (1) deposit & one (1) withdrawal for the latest three (3) months period, reflected on the statement.

Payment voucher and income Certificate Form are not acceptable.

Guarantor / Collateral

No guarantor or collateral required. Only 2 contactable referrees required.

Interest Rates

Three tiers are available, based on Berjaya Credit's risk assessment :
- 0.84% per month
- 1.2% per month
- 1.5% per month

Additional Fees

Administrative fee of RM 90 (amount financed above RM 1,500)
Administrative fee of RM 60 (amount financed of RM 1,500 or lower)
Surcharge Flexipay & Personalised (SFP) service charge of RM 7

It has always been the industry standard that postpaid customers are more valuable than prepaid and therefore they are offered with better deals in terms of pricing and benefits. U Mobile broke the mould when the company launched its brand new Prepaid and Postpaid plans in January 2015, offering the same best rates and benefits to both prepaid and postpaid segments.

This time, U Mobile again offers prepaid customers the same iPlans to own the amazing iPhone 6 starting from RM98. Prepaid customers with U Mobile can enjoy the same subsidised phone price and U MicroCredit benefits just like the postpaid customers. With the lowest cost of entry starting from i40, U Mobile iPlans enable customers to save up to 40% comparing to those prepaid users purchasing iPhone 6 at retail market price and signing up an existing data plan available in the market.