Attention, Argentines! The government has confirmed the return of the fixed, interest-free installment plan for purchasing cell phones, news that shakes the foundations of the local market. Starting this month, you can finance your next smartphone in up to 12 installments without interest breaking your budget. The biggest brands are already on board: Samsung, Motorola, Apple, and Xiaomi are vying for your money.
Let’s start with what matters: prices. A Samsung Galaxy S24 Ultra, with its 6.8-inch Dynamic AMOLED 2X display, 5000 mAh battery, and Exynos 2400 processor, starts at around $1,800,000. But with the plan, you can get it in 12 fixed installments of $150,000. A bargain? If you have the card, yes. The base Galaxy S24, with a 6.2-inch screen and 4000 mAh battery, drops to $1,200,000, installments of $100,000.
Motorola is not far behind. The Edge 50 Pro, with a 6.7-inch pOLED display, 4500 mAh battery, and 50 MP camera, can be found for $800,000, installments of $66,666. The more affordable Moto G84 5G, with a 6.5-inch screen and 5000 mAh battery, is around $450,000, installments of $37,500.
Xiaomi also applies pressure. The Redmi Note 13 Pro, with a 6.67-inch AMOLED display, 5000 mAh battery, and 200 MP camera, costs $650,000, installments of $54,166. The Pocophone F6 Pro, with Snapdragon 8 Gen 2 and 120W charging, is at $1,100,000, installments of $91,666.
Apple, as always, is the most expensive. The iPhone 15 Pro Max, with a 6.7-inch Super Retina XDR display, 4422 mAh battery, and A17 Pro chip, goes for $2,500,000, installments of $208,333. Too much? You can opt for the base iPhone 15, with a 6.1-inch screen and A16 chip, at $1,500,000, installments of $125,000.
Note: the plan applies only with bank credit cards and at participating stores. Installments are fixed in pesos, without inflation adjustment, but you have to pay VAT and possibly insurance. Some chains like Frávega, Garbarino, or Musimundo have already confirmed their participation. You can also buy online at Mercado Libre with fixed installments.
Is it worth it? With current inflation, an interest-free plan is almost a gift. But be careful: your card limit may restrict you. If you want the Samsung Galaxy S24 Ultra, you need a limit of $1,800,000. For the iPhone 15 Pro Max, over two million. That said, if you have the card, it’s time to buy before stock runs out or the government changes the rules.
In summary: this month, dream again of a new cell phone without being killed by interest. Choose between Samsung, Motorola, Apple, or Xiaomi, check the fixed installments, and go ahead and buy. Don’t miss this unique opportunity!
Updated Price Comparison
If you are thinking of buying a new cell phone, these are the most sought-after models. All with 12 interest-free installments:
- Samsung Galaxy A55 – From $450,000 in 12 interest-free installments (VAFTS9-E4CH)
- Motorola Edge 50 Fusion – From $520,000 in 12 interest-free installments (VAFTS9-HVNV)
- Xiaomi Redmi Note – From $350,000 in 12 interest-free installments (VAFTS9-WF9A)
Approximate prices. 12 interest-free installments subject to each seller. Search for the codes on Mercado Libre.
¡Qué bien que volvieron las cuotas fijas! Compré un Samsung y me llegó impecable, todo rápido. Lo recomiendo una banda, vale cada peso.
¡Compré un Samsung con Ahora 12, cuota fija sin interés! Llegó todo perfecto, re bien sellado. Lo uso para laburo y juegos, una masa. Recomiendo full, no te duermas que vuelan.