Bank vs shop vs Zentro installments: the true cost compared
Compare written quotations over the same term rather than comparing a headline monthly rate. Bank and shop terms vary; Zentro does not claim that every alternative has the same fees or that its plan is always cheapest.
Bank and shop quotation checklist
Ask each provider for the device price, any upfront amount, processing charges, monthly payments, taxes, late charges, device cover, final ownership payment and early-exit terms. Obtain current figures directly; no competitor rate is assumed here.
Compare like for like with Zentro
Use the product's current plan summary for its monthly subscription including Zentro Protect, refundable deposit, total monthly payments and net pay-to-own amount. A refundable deposit is money needed upfront, even when it is not a downpayment. Compare total cash paid and the timing and conditions of any refund.
Flexibility has value
You can end your plan at any time, for any reason, by returning the device and paying one month's instalment. Your refundable deposit is returned, subject to the device's condition.
Frequently asked questions
Do I need a credit card or a down payment?
No credit card is required. There is no down payment; only a refundable security deposit. Review the deposit and complete payment schedule before signing.
Can I end my plan at any time?
You can end your plan at any time, for any reason, by returning the device and paying one month's monthly payment. Your refundable deposit is returned, subject to the device's condition.
Can I own the device early?
Price to own is available early. Your order's price-to-own panel shows your agreed amount and any applicable deposit credit; ask Zentro about eligibility before paying.
What does my employer do?
Your employer only validates employment. Zentro provides the plan and support. Eligibility is checked separately against your salary and existing commitments.
Is device cover included?
Yes. Every product has Zentro Protect device cover throughout the plan. Protect is included in new displayed monthly subscriptions, subject to its terms, exclusions and claims process.