100+ mobiles available on lease
Own the smartphone you want. Pay monthly.
Take your phone home today with as little as 20% down, then repay in clear 3, 6 or 9 month instalments. No hidden charges, no surprises.
Galaxy A55 · 9 months
Rs 11,111/mo
Approved in 24 minutes
- 640+
- Partner dealers
- 74
- Cities served
- 3 / 6 / 9
- Month plans
- 30 min
- Typical approval time
Why J Dot Com
Built for people going places
Financing designed around real Pakistani households — small upfront cost, short tenures, and a figure you can plan your month around.
Low down payment
Pay as little as 20% upfront and walk out of the shop with your phone the same day.
Easy instalments
Choose a 3, 6 or 9 month plan. You see the exact monthly figure before you sign.
Simple criteria
Your CNIC and a basic proof of income. No bank account or credit history required.
Instalment calculator
See your monthly plan instantly
Pick your dealer, device and plan from the dropdowns below. Every figure shown is what you would actually pay.
Total Price
Rs 264,999
Advance Payment
Rs 53,000
Monthly instalment
Rs 26,029
Indicative figures only. Final instalments are confirmed after verification at Jdotcom Techno City Plaza 2.
Popular right now
Phones our customers finance most
Apple
iPhone 15
6.1" Super Retina XDR OLED
From
Rs 16,268 / month
Retail Rs 264,999
View plansApple
iPhone 13
6.1" Super Retina XDR OLED
From
Rs 11,050 / month
Retail Rs 179,999
View plansSamsung
Galaxy S24
6.2" Dynamic AMOLED 2X 120Hz
From
Rs 13,812 / month
Retail Rs 224,999
View plansSamsung
Galaxy A55
6.6" Super AMOLED 120Hz
From
Rs 7,673 / month
Retail Rs 124,999
View plansHow it works
Visit a dealer and get your phone in 30 minutes
- 01
Choose your phone
Browse devices from Apple, Samsung, Xiaomi, Infinix and more, with the monthly figure shown upfront.
- 02
Apply in minutes
Submit your CNIC and income details online or at a partner shop. Most decisions land within 30 minutes.
- 03
Pay the down payment
Pay 20–50% at your chosen dealer and collect the sealed device immediately.
- 04
Repay and build history
Pay each month by bank transfer, wallet or at the shop. On-time payments unlock higher limits.
For dealers
Grow your sales without the operational burden
We provide the technology, staff training and repayment follow-up. You keep selling — we handle underwriting, collection reminders and customer care.
- Settlement within 48 hours of every disbursement
- Free promoter training and in-shop marketing material
- Dashboard with live application status for your shop
- Dedicated regional relationship manager
Security first
Your money and your data, handled carefully
Regulated financing
Operating as a non-banking finance company under a BNPL service framework, with published terms on every plan.
Your data stays private
CNIC records and income documents are encrypted at rest and never shared with third parties for marketing.
No hidden charges
One service charge, one processing fee, both shown in the calculator. Nothing is added later.
Real customers
People who took their phone home the same day
Hear directly from customers and dealers, and see how collection at a partner shop works.
Ready to take your phone home today?
Apply online in under 10 minutes and collect at your nearest partner shop.