LOT Mobiles: Buy smartphones on EMIs with the Bajaj Finance Insta EMI Card

LOT Mobiles is known as one of the largest mobile phone retail chains in Andhra Pradesh and Telangana, with its head office in Madhapur, Hyderabad. With over 150 partner stores, it lets families compare phones from Samsung, vivo, OnePlus, Redmi and realme in person. It also offers online shopping for mobile phones, with fast home delivery in select areas.

Shopping on Easy EMIs at LOT Mobiles makes a new phone easy on your monthly budget. With the Bajaj Finance Insta EMI Card, you can split the cost over 3 to 60 months, so a Rs. 36,999 Samsung Galaxy A55 costs about Rs. 1,028 a month over 36 months*.

*EMIs are indicative.

Before you visit a LOT Mobiles partner store, check your Insta EMI Card eligibility using your mobile number and OTP. You will know your card loan offer before you choose your phone.

LOT Mobiles is a familiar name for phone buyers across the Telugu states. Here is why many people choose a LOT Mobiles partner store for their next phone:

• Partner stores close to home: With 150+ partner stores, from Ameerpet in Hyderabad to Labbipet in Vijayawada, you rarely need to travel far.
• Try before you buy: You can hold the phone, test the camera and compare screen sizes before you pay.
• Wide range of brands: Samsung, vivo, OPPO, OnePlus, Redmi, realme, Nokia and Lava are all under one roof.
• Attractive LOT Mobiles offers: Many phones sell below MRP, such as the vivo V40e 5G at Rs. 21,999 instead of Rs. 31,999.
• Quick online delivery: LOT Mobiles offers 90-minute delivery on select online orders, so you can get your phone the same day.
• Help in Telugu, Hindi and English: Partner store staff can explain features and set up your new phone in the language you are comfortable with.

→ Pro tip: Carry your old phone when you visit. The partner store staff can help you move your contacts, photos and WhatsApp chats to your new phone.

LOT Mobiles started as a phone retailer and now sells much more. Here is what you can shop for at a LOT Mobiles partner store, and who each range suits best:

• 5G smartphones: Models such as the Redmi 15 5G and vivo T4R 5G suit students and first-time 5G buyers who want speed on a budget.
• Premium and foldable phones: The Samsung Galaxy S24 and Galaxy Z Flip6 suit buyers who want top cameras and flagship performance.
• Feature phones: The Nokia 105 at Rs. 1,599 and the Lava A1 Josh BOL at Rs. 1,099 suit elderly parents and backup phone users.
• Laptops and tablets: These suit students and professionals who want to buy their work devices from the same trusted retailer.
• Smart TVs and ACs: Brands such as Lloyd and Voltas let you upgrade your home along with your phone.
• Accessories and audio: boAt and Fire-Boltt earbuds, smartwatches, power banks and chargers complete your setup.

→ Pro tip: Feature phones such as the Nokia 105 cost less than Rs. 5,000. To pay in Easy EMIs, club them with earbuds, a power bank or a smartwatch so your bill is above Rs. 5,000.

You can pay the full price of your phone at LOT Mobiles at once. You can also pay with the Bajaj Finance Insta EMI Card and split the cost into Easy EMIs across 3 to 60 months. This way, even a premium phone fits into your monthly budget without a credit card.

Easy EMIs also help you choose the phone you really want. Instead of settling for less storage or an older model, you can pick a better phone and repay it in small amounts that suit your income.

→ Real-world example: Srinivas, a pharmacist in Vijayawada, wanted a phone with a good camera and enough storage for his family photos. At the LOT Mobiles partner store in Labbipet, he picked the Samsung Galaxy A55 5G for Rs. 36,999 and chose a 36-month tenure. He pays about Rs. 1,028 a month*.

*EMIs are indicative.

Srinivas could also have chosen a shorter tenure to finish paying sooner. The table below shows how his Rs. 36,999 Samsung Galaxy A55 works out across different repayment tenures:

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.

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 phones, laptops and more at LOT Mobiles partner stores and repay in Easy EMIs that suit your monthly budget.

The card suits planned purchases such as phones, laptops and home appliances. Here are the key features that make it useful when you shop at LOT Mobiles:

• 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 smartphone easily and affordably.

*Inclusive of applicable taxes.

A new phone is a big spend, especially if you want a 5G or premium model. Here is how Easy EMIs at LOT Mobiles make it easier:

• Upgrade for a small amount: Moving from the Rs. 26,399 Galaxy A35 to the Rs. 36,999 Galaxy A55 adds only about Rs. 294 a month over 36 months*.
• No credit card needed: The Insta EMI Card is a pre-qualified card loan, so you can buy on EMIs even without a credit card.
• Use zero down payment: You can take your phone home with zero down payment on select products during festive season offers.
• Bundle your accessories: You can add earbuds, a smartwatch or a power bank to the same bill and pay for everything monthly.
• Keep your savings safe: Your savings stay free for fees, rent or emergencies.

*EMIs are indicative.

You can apply for the Bajaj Finance Insta EMI Card fully online with your PAN, Aadhaar and registered mobile number. Follow these steps to get your card before you visit LOT Mobiles:

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

Using the Bajaj Finance Insta EMI Card at a LOT Mobiles partner store takes under 5 minutes. Follow these steps at the billing counter:

1. Choose the phone or product you want to buy, making sure your bill is above Rs. 5,000.
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 approved, and you can take your product home.

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

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