Best Easy Buy Phones Under ₦150,000 and ₦200,000 in 2026 (Get Instant Loan to Buy Smartphone)

Stepping up from entry-level smartphones opens the door to better performance, sharper cameras, and smoother multitasking. Many Nigerians are now targeting the ₦150,000 to ₦200,000 range because it offers a perfect balance between affordability and premium features. Through Easy Buy, these devices become even more accessible with flexible monthly payments.

This 2026 guide highlights the best Easy Buy phones within ₦150,000 and ₦200,000, including expected installment plans and what makes each device worth considering.

What Makes Phones in This Range Worth It

Phones within this category deliver noticeable improvements compared to budget devices. Faster processors, higher RAM, and better cameras make them suitable for gaming, content creation, and business use.

Battery performance is also more reliable, with many devices lasting a full day even under heavy use. Display quality improves significantly as well, with larger screens and better resolution.

This price range is ideal for users who want long-term value without jumping into flagship pricing.

Best Easy Buy Phones Under ₦150,000 in Nigeria (2026)

Infinix Hot 40

Infinix Hot 40 stands out with strong gaming performance and a stylish design. It comes with a powerful processor and enough RAM to handle multitasking efficiently.

The outright price usually falls between ₦135,000 and ₦150,000. Easy Buy users may start with a deposit of around ₦40,000, followed by monthly payments between ₦18,000 and ₦22,000.

Tecno Spark 20

Tecno Spark 20 offers a vibrant display and improved camera system, making it a great choice for social media users and content creators.

Pricing ranges from ₦130,000 to ₦145,000. A typical Easy Buy plan may require a ₦35,000 to ₦45,000 deposit, with monthly payments around ₦17,000 to ₦20,000.

Samsung Galaxy A14

Samsung Galaxy A14 delivers a clean interface and reliable performance. It also benefits from Samsung’s software support, making it a solid long-term option.

Outright price sits close to ₦150,000. Easy Buy plans often start with a ₦45,000 deposit, followed by monthly payments between ₦18,000 and ₦23,000.

Best Easy Buy Phones Under ₦200,000 in Nigeria (2026)

Infinix Zero 30

Infinix Zero 30 brings near-flagship features at a mid-range price. It offers a powerful camera setup, fast charging, and a premium feel.

Pricing typically ranges from ₦180,000 to ₦200,000. Easy Buy users may pay a ₦60,000 deposit and spread the balance across monthly payments of ₦22,000 to ₦28,000.

Tecno Camon 20

Tecno Camon 20 focuses heavily on camera performance, making it ideal for photography lovers. It also offers solid battery life and smooth performance.

Outright price falls between ₦170,000 and ₦190,000. Monthly installment plans may start from ₦20,000 depending on the deposit and duration.

Samsung Galaxy A24

Samsung Galaxy A24 offers excellent display quality and stable performance. It is well-suited for users who want reliability and a trusted brand experience.

The price usually ranges from ₦180,000 to ₦200,000. Easy Buy plans may require a deposit of ₦55,000 to ₦65,000, with monthly payments around ₦22,000 to ₦27,000.

Monthly Installment Expectations

Phones in this category typically come with six to nine-month repayment plans. Higher deposits reduce monthly payments and total interest.

A ₦180,000 phone with a ₦50,000 deposit leaves a balance of ₦130,000. Spread over six months, monthly payments may fall between ₦22,000 and ₦25,000.

Choosing a plan that aligns with your income helps avoid financial pressure and ensures smooth repayment.

How to Choose Between ₦150K and ₦200K Phones

Usage should guide your decision. Heavy users who play games or run multiple apps will benefit more from devices closer to ₦200,000.

Camera lovers may prefer Tecno Camon or Infinix Zero series due to better image quality. Business users may lean toward Samsung for stability and brand support.

Battery life, storage, and software updates should also influence your choice.

Who Should Consider This Category

Young professionals often choose this range because it offers premium features without extreme pricing. Students with stable income sources can also benefit from these devices.

Content creators, online vendors, and freelancers will appreciate the improved performance and camera quality.

Anyone upgrading from a budget phone will notice a major difference in speed and overall experience.

How to Apply for Easy Buy Phones in This Range

Walk into any authorized Easy Buy partner store such as Slot or 3CHub. Inform the staff about your preferred price range and device choice.

Provide your BVN, ATM card, and valid ID for verification. Once your details are confirmed, you will be required to pay the initial deposit.

Approval is usually quick, and once completed, you can leave the store with your phone the same day.