Best Easy Buy Phones Loan Under ₦100,000 in Nigeria (2026 Price Guide)

Owning a smartphone in Nigeria no longer has to feel like a financial burden. Even on a tight budget, you can still get a reliable device through Easy Buy and pay in small monthly installments. Many Nigerians—especially students and entry-level earners—are now choosing budget-friendly smartphones that offer solid performance without exceeding ₦100,000.

This 2026 price guide highlights the best Easy Buy phones under ₦100,000, including their estimated installment plans and what you should expect in terms of performance. If you want value without overspending, this section will help you make a smart choice.

What to Expect from Phones Under ₦100,000

Phones in this category are designed for everyday tasks such as WhatsApp, browsing, light gaming, and streaming. Most devices come with decent battery life, basic cameras, and enough storage for regular use.

Performance may not match mid-range or premium devices, but many brands now optimize their budget phones to run smoothly. Large batteries and clean Android versions are common features, making them practical for daily use.

These phones are ideal for students, small business owners, and anyone looking for an affordable upgrade.

Top Easy Buy Phones Under ₦100,000 in Nigeria (2026)

Tecno Pop 8

Tecno Pop 8 remains one of the most affordable smartphones available on Easy Buy. It offers a decent display, Android Go edition, and a long-lasting battery suitable for everyday activities.

An outright price may fall around ₦85,000 to ₦95,000. Easy Buy users can start with a deposit of about ₦25,000 and pay between ₦10,000 and ₦13,000 monthly.

Infinix Smart 8

Infinix Smart 8 delivers strong battery life and a clean interface, making it popular among students. It handles social media apps smoothly and supports basic multitasking.

Pricing typically ranges from ₦90,000 to ₦100,000. Easy Buy plans may require a ₦30,000 deposit, followed by monthly payments around ₦12,000 to ₦15,000.

Itel P40

Itel P40 is known for its massive battery capacity, which can last up to two days on moderate use. This makes it ideal for users who need long battery life without frequent charging.

The device usually sells for around ₦85,000 to ₦95,000. Monthly installment plans can start from ₦11,000 depending on the duration.

Samsung Galaxy A04

Samsung Galaxy A04 brings brand reliability into the budget category. It offers better camera quality compared to many entry-level devices and a smooth user interface.

Outright price may sit close to ₦100,000. Easy Buy users may pay a deposit of ₦30,000 to ₦35,000, then continue with monthly payments between ₦13,000 and ₦16,000.

Monthly Installment Breakdown for Budget Phones

Installment plans under ₦100,000 are usually short-term, often between three and six months. Shorter plans help reduce the total interest paid.

A typical plan may look like this: a ₦90,000 phone with a ₦25,000 deposit leaves a balance of ₦65,000. Spread across six months, this results in payments of around ₦11,000 to ₦13,000 monthly.

Choosing a shorter duration helps you finish payments faster and reduces financial pressure in the long run.

How to Choose the Best Phone Under ₦100,000

Focus on battery life if you need a phone that lasts all day without charging. Devices like Itel P40 stand out in this area.

Storage and RAM are important for smoother performance. Phones with at least 2GB or 3GB RAM handle multitasking better.

Camera quality should also be considered if you take photos frequently. Samsung and Infinix models often provide better image processing in this price range.

Always test the phone in-store before completing your Easy Buy application.

Who Should Buy Budget Easy Buy Phones?

Students often prefer this category because of affordability and flexible payment plans. These phones are also suitable for secondary devices or backup phones.

Small business owners who rely on WhatsApp and calls will find these devices sufficient for daily operations.

Anyone upgrading from older devices will notice a big improvement even within this budget range.

Smart Tips Before Applying

Check your monthly income and ensure the installment plan fits comfortably. Avoid plans that consume a large portion of your earnings.

Maintain a steady bank transaction history to improve approval chances. Even students can qualify if their accounts show regular activity.

Keep your ATM card funded before payment dates to avoid penalties or device restrictions.

How to Apply for Easy Buy Phones Under ₦100,000

Visit an authorized Easy Buy store such as Slot or Pointek. Inform the staff about your budget and preferred phone.

Select a device within the ₦100,000 range and provide your BVN, valid ID, and ATM card. Your details will be verified instantly.

Pay the required deposit, then wait for approval. Once approved, you can take your phone home the same day.