Buy the iPhone 14 Pro on EMI with Zero Down Payment

The iPhone 14 Pro is known for being the first iPhone with a 48MP main camera, the Dynamic Island and an always-on display. Apple launched it in September 2022, and it still feels fast in 2026. Buyers in India choose it today for its premium build and camera at a much lower price than a new Pro iPhone.

Here is why the iPhone 14 Pro is still worth considering, especially as a refurbished phone with a warranty:

• Take sharp photos and portraits: The 48MP main camera and 3x telephoto lens capture detailed family photos and natural-looking portraits.
• Shoot professional-quality videos: It records 4K video at 60fps in Dolby Vision HDR, which suits reels, vlogs and wedding clips.
• Stay updated for longer: The phone can run iOS 27, so you get recent features and security updates.
• Use it in the rain without worry: The IP68 rating protects it in water up to 6 m deep for 30 minutes.
• Enjoy a premium feel: The stainless steel frame and Ceramic Shield glass make it look and feel high-end.

Getting one on Easy EMIs makes a Pro iPhone easier to afford. With the Bajaj Finance Insta EMI Card, a Rs. 59,999 premium renewed iPhone 14 Pro works out to about Rs. 2,500 a month over 24 months*.

*EMIs are indicative.

Before you choose a seller, check your Insta EMI Card eligibility using your mobile number and OTP. You will then know your card loan offer and whether you can pay with zero down payment on select offers.

The iPhone 14 Pro suits buyers who want a premium iPhone experience without paying for the latest model. Here is who will get the most from it:

• First-time iPhone buyers on a budget: A refurbished unit from Rs. 47,999 lets you move to iOS for far less than a new Pro iPhone.
• People upgrading from an iPhone 11 or 12: You get a 48MP camera, a 120Hz screen and the Dynamic Island in one step.
• Content creators: ProRes and Dolby Vision video recording help you make reels and vlogs that look polished.
• Portrait and travel photographers: The 3x telephoto lens is useful for portraits, monuments and landscapes on trips.
• Not ideal for heavy users who need long battery life: The 3,200 mAh battery may need a top-up by evening if you game or stream a lot.

→ Verdict: Choose a refurbished iPhone 14 Pro if you want Pro-level cameras and build quality on a mid-range budget. If battery life matters most, look at newer models instead.

You can pay the full price at once. You can also buy with the Bajaj Finance Insta EMI Card and split the cost into Easy EMIs over 3 to 60 months. Zero down payment is available on select products and during festive season offers, so ask the seller whether it applies to your iPhone 14 Pro.

Your EMI depends on the price and the tenure you choose. The table below shows how a Rs. 59,999 premium renewed iPhone 14 Pro looks across different repayment tenures.

Last updated: 17th October, 2026

Disclaimer: EMIs are indicative and are calculated by dividing the product price by the tenure. Actual EMIs may differ based on the offer, applicable interest and charges.

If you are also comparing the iPhone 14 price with a down payment, the same approach applies. You can spread the cost of any eligible iPhone on the Insta EMI Card and check for zero down payment offers before you pay.

→ Real-world example: Neha, a college student in Delhi, wanted an iPhone with a good camera for her fashion reels. She bought a premium renewed iPhone 14 Pro for Rs. 59,999 on a 24-month tenure, so she pays about Rs. 2,500 a month*.

*EMIs are indicative.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan that lets you buy products on Easy EMIs. It is not a credit card. You can use it to buy an iPhone on Amazon and Flipkart, or at partner stores such as Croma, Reliance Digital and Vijay Sales.

The card is built for planned purchases such as smartphones, including refurbished and pre-owned phones at partner stores. Here are the key features that make it useful when you buy an iPhone:

• A pre-qualified card loan offer of up to Rs. 6 lakh.
• A repayment tenure you choose across 3 to 60 months.
• A card you can use on Amazon and Flipkart, and at over 1.5 lakh partner stores across more than 4,000 cities.
• A one-time joining fee of Rs. 530*, with zero annual fee from the second year onwards.
• A zero down payment facility on select products and during festive season offers.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If you are eligible, you can apply instantly and start shopping for your preferred iPhone 14 Pro variant easily and affordably.

*Inclusive of applicable taxes.

Even as a refurbished phone, the iPhone 14 Pro is a big purchase for most budgets. Here is how Easy EMIs help you buy it with more confidence:

• Choose better condition: Picking a Premium Renewed unit over a Fair-condition unit adds only about Rs. 500 a month over 24 months*.
• Look for zero down payment offers: You can shop during festive sales, when zero down payment is available on select products.
• Buy without a credit card: The Insta EMI Card lets you pay in EMIs even if you have never had a credit card.
• Keep your savings safe: Your savings stay free for rent, fees or emergencies.
• Plan with a fixed amount: A set EMI is easy to track alongside your mobile recharge and other bills.

*EMIs are indicative.

→ Verdict: If a Pro iPhone has always felt out of reach, a refurbished iPhone 14 Pro on Easy EMIs lets you own one now for a small monthly amount.

Applying for the Bajaj Finance Insta EMI Card is fully online and needs only your PAN, Aadhaar and registered mobile number. Follow these steps to get your card before you buy your iPhone:

1. Enter your 10-digit mobile number and click on ‘GET IT NOW’ on the Insta EMI Card page.
2. Enter the OTP and submit.
3. Enter your full name and click on ‘Yes, Auto-Fetch Details’.
4. Verify your pre-filled personal details and click ‘CONTINUE’.
5. Check your pre-qualified card loan offer amount and click ‘CONTINUE’.
6. Review your wallet setup details and verify the OTP.
7. Complete identity verification by confirming your current residential address.
8. Pay the one-time joining fee of Rs. 530 (inclusive of applicable taxes).
9. After successful payment, view your card details on the Bajaj Finance app.

Note: The process may differ based on whether you are a new or existing Bajaj Finance customer.

Also read: How to apply for the Insta EMI Card

You can use the Insta EMI Card to buy the iPhone 14 Pro at a partner store or online. Both options take only a few minutes, and the steps for each are given below.

At a partner store

Using the Bajaj Finance Insta EMI Card at any of over 1.5 lakh partner stores takes under 5 minutes. This includes partner stores that sell certified refurbished or pre-owned phones. Follow these steps at the billing counter:

1. Select the iPhone 14 Pro variant you want to buy, new or refurbished.
2. At checkout, ask the store executive to process the payment through the Bajaj Finance Insta EMI Card.
3. Share your registered mobile number and card details.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Authenticate using the OTP sent to your registered mobile number.
6. Your purchase is confirmed, and you can take your iPhone home.

Online on Amazon or Flipkart

If you find the iPhone 14 Pro in stock on Amazon or Flipkart, you can buy it from home on Easy EMIs. The steps below show how to choose the Insta EMI Card as your payment method at checkout:

1. Add the iPhone 14 Pro to your cart on Amazon or Flipkart.
2. At checkout, select the Bajaj Finance Easy EMI option.
3. Enter your Insta EMI Card details and registered mobile number.
4. Choose your preferred repayment tenure across 3 to 60 months.
5. Confirm using the OTP sent to your registered mobile number.
6. Your order is placed, and EMI deductions begin from the next billing cycle.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP. This helps you plan your purchase better.

The Bajaj Finance Insta EMI Card offers several advantages beyond just splitting payments. From flexible tenures to wide acceptance, here are the key benefits that make this card a practical choice for everyday purchases.

Also read: Features and benefits of the Bajaj Finance Insta EMI Card

Before you apply, it helps to check whether you meet the basic eligibility requirements. The Bajaj Finance Insta EMI Card is open to most working Indians, and the criteria are simple to understand at a glance.

• Nationality: Indian Citizen.
• Age: 21 years to 70 years.
• Credit score: A healthy credit score per Bajaj Finance policies.
• Income: A steady, regular source of income.
• Documents: No physical documentation required when applying online. Only the following details are required: PAN and Aadhaar number.
• Form 60: In case of non-availability of PAN, Form 60 is required.

Also read: Eligibility criteria for the Insta EMI Card

Explore more: