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Forget hefty upfront costs or confusing instalment plans. With Cinch, you can now access the latest phones in Singapore with simple monthly subscriptions—no interest, no hidden fees, and no long-term commitments.
Welcome to a smarter, more flexible way to own your tech.
Why Choose a Phone Subscription Over Instalment or BNPL?
Let’s face it—owning a new phone the traditional way in Singapore can get messy:
- Buy Now Pay Later (BNPL) schemes often come with hidden late fees or credit penalties.
- Credit card instalments lock you into long-term plans with early termination charges.
- And full upfront purchases? A huge dent in your wallet.
Cinch offers a better alternative: a subscription that gives you full access to premium devices, without tying you to ownership or credit debt.
How Monthly Payments Work with Cinch
Cinch lets you rent your phone with monthly payments that build towards ownership. It’s simple, clear, and commitment-light.
Every Payment Builds Ownership
Your monthly fee — starting around S$55 depending on the device — contributes towards your right to buy the phone. If you love it after 24 months, you can buy it out for the remainder, or swap or return it with no penalty.
Example:
For an iPhone retailing at S$1,900:
- 24 months × S$55 = S$1,320
- Buyout = S$1,900 – S$1,320 = S$580
- Total = Still just the retail price, no interest added
Know Exactly What You’re Paying
Other providers often bury the real cost.
Cinch keeps it simple and clear:
| Provider | Monthly Fee | Total (24 mo) | Ownership? | Hidden Fees? |
|---|---|---|---|---|
| Cinch | S$55 | S$1,320 + optional buyout |  | None |
| Circles.Life | S$65 | S$1,560 | | May vary |
| StarHub | S$60 | S$1,440 | | Processing fees possible |
| M1 | S$66 | S$1,584 | | Early termination fees |
| RedONE | S$50 | S$1,200 | | Locked-in plans |
Phones Available for Interest-Free Payment
From flagship models to budget-friendly picks, Cinch offers the latest:
- iPhone 16 Pro / Pro Max
- Samsung Galaxy S25 Series
- Google Pixel 9
- And more — updated monthly
All devices are good-as-new, covered under manufacturer warranty, and protected during your subscription term. Every phone is factory-sealed and comes with official support.
Are Phone Subscriptions Better Than Installment Plans?
If you value cash flow control and freedom from debt, Cinch is a much better alternative for phone subscriptions across Singapore.
Traditional Installments
- Typically requires a credit card with sufficient limit
- Locks you into a contract (12–36 months)
- Missed payments can damage your credit score
- “0% interest” often hides admin or processing fees
- No easy return or upgrade options
With Cinch
- No credit card required.
- No long-term lock-ins. Pick from 3 – 24 month subscriptions.
- No hidden fees. What you see is what you pay
- Monthly payment contributes to ownership, not lost fees
With Cinch, you pay only what your phone is worth.
FAQs on Ownership & Payments
- Do I own the phone at the end?
You can! Subscribe for as long as you like, and if you decide to keep it, pay the buyout based on how much you’ve already paid. - Is there a penalty for early cancellation?
Yes, an early return fee of S$250 applies if you cancel before the 12th month. After that, returns are free. - Are there hidden fees or admin charges?
None. Your monthly fee includes everything, even device protection. No extra billing surprises. - Do I need SingPass or a high income to qualify?
No credit score required. Just verify with SingPass MyInfo. It’s quick, secure, and hassle-free.
For more questions, visit our FAQ page.
Start Your Monthly Phone Subscription Plan Now
Say goodbye to inflated bills, credit card debt, and fine print.
With Cinch, getting your dream phone is simple:
- No deposit
- No contract
- No interest
- 100% transparent
Zero upfront. 100% yours.
