Student With No Payslip — Can You Get a Phone on Installment? (2026)
A university student with no payslip will struggle with the usual installment plan that asks for income proof — but you can still get a phone on installment through the PAYEX Student Plan. Just your IC, student card and proof of enrollment — no payslip and no guarantor. Confirm your eligibility on WhatsApp.
Can a student with no payslip get a phone on installment?
Yes. Students do not need a payslip for the PAYEX Student Plan — an installment plan built for university and college students. You apply with student documents, not income proof.
Why do students keep getting rejected by the normal plan?
The normal installment plan assesses eligibility by income, so it asks for a payslip or bank statement. Full-time students usually have no fixed income yet, so the application stalls there.
There is also a route for the self-employed (using bank statements + SSM), but that route is not for students — read installment without a payslip for the self-employed if you are a freelancer. For students, the right path is the Student Plan.
What is the PAYEX Student Plan?
The PAYEX Student Plan is an installment plan made specifically for university students. In short:
- No payslip — you apply with student documents, not income proof.
- No guarantor — your own IC, student card and proof of enrollment are enough.
- Age 18 and above, and a registered student at a university / college.
- You can choose any phone in our catalogue.
- Approval usually takes 1–2 working days after documents are complete.
Full plan details and eligibility are on the Student Plan page. For the exact plan and monthly figure for your situation, confirm on WhatsApp — every case differs slightly.
What documents does a student need?
- A copy of your MyKad (IC).
- Student card / matric card.
- Enrollment letter or course registration slip.
- Age 18 and above.
Do your parents need to be a guarantor?
Not required. The Student Plan does not need a guarantor. But if you want, a parent can help as support — just discuss it during your application on WhatsApp.
Which phones suit a student budget?
Start with a budget 5G phone that is fast enough for notes, online classes, e-wallets and social media. For example the Tecno Spark 50 5G or Samsung Galaxy A16 5G — both start from around RM30-something a month on the standard plan. See the full list in best budget phones for students.
How to apply for a student phone installment
- WhatsApp +6010-325 1033 and let us know you are a student.
- Pick the phone you want from the catalogue.
- Send your student documents (IC, student card, proof of enrollment) — we guide you step by step.
- Approved → confirm your plan → take your phone home.
Soalan Lazim
Can a student with no income get a phone on installment?
Yes, through the PAYEX Student Plan, which does not require a payslip. You apply with student documents only.
I am a diploma / foundation student — am I eligible?
As long as you are a registered student aged 18 or above with a student card and proof of enrollment, you can apply. Confirm your case on WhatsApp.
How much is the monthly payment for a student?
It depends on the phone and plan you choose. Because every case differs, the actual payment is confirmed on WhatsApp — not a fixed number for everyone.
How long does approval take?
Usually 1–2 working days after complete documents are submitted.
Ready to start? WhatsApp +6010-325 1033 now to check your student phone installment eligibility.
