From iPhone to Tecno — we've ranked the best phones to finance through OnBuy this year based on value, durability and resale strength.
Choosing the right phone to finance is about more than just specs — it's about long-term value, durability, software support and resale strength three years from now.
Here are our five picks for 2026, ranked by what we actually see across hundreds of thousands of OnBuy plans nationwide.
1. iPhone 15 (128GB) — The value king
The iPhone 15 is the most-financed device on OnBuy for one simple reason: it holds value better than anything else on the market. A two-year-old iPhone 15 still trades hands for 65% of its original price.
Add in 5+ years of guaranteed iOS updates, Apple's repair network in Lagos and Abuja, and a camera that genuinely competes with phones twice the price, and the case writes itself.
Typical OnBuy plan: ₦485k total · ₦97k deposit · ₦12,125/week.
2. Samsung Galaxy A55 — Best mid-range Android
The A55 is the phone we recommend to first-time financers. Excellent AMOLED display, dependable camera, IP67 water resistance and Samsung's promise of 4 years of OS updates.
It also has the best after-sales coverage of any Android in Nigeria — Samsung service centres in every major city.
Typical OnBuy plan: ₦315k total · ₦63k deposit · ₦7,875/week.
3. Tecno Camon 30 Pro — The local champion
Tecno understands the Nigerian market better than anyone. Brilliant low-light camera, massive battery, dual SIM, and warranty service in literally every state.
If you take a lot of pictures and need a phone that'll survive a long day on the road, this is your pick.
Typical OnBuy plan: ₦240k total · ₦48k deposit · ₦6,000/week.
4. Google Pixel 8a — Pure Android, best camera
The Pixel 8a punches far above its price. The computational photography is class-leading, the software is clean, and Google has committed to 7 years of updates — meaning a Pixel bought today will still be supported in 2033.
Caveat: Pixel service in Nigeria is limited. Buy with the OnBuy device protection plan.
Typical OnBuy plan: ₦420k total · ₦84k deposit · ₦10,500/week.
5. Infinix Note 40 Pro — Battery beast
If you can't always get to a socket — long commutes, lots of fieldwork, frequent power cuts — the Note 40 Pro's 5,000mAh battery and 70W fast charging are unbeatable in this price bracket.
Great 6.78" AMOLED screen, solid camera, and one of the lowest weekly payments on OnBuy.
Typical OnBuy plan: ₦185k total · ₦37k deposit · ₦4,625/week.
How to choose
If you want resale value: iPhone 15. Updates and durability: Galaxy A55 or Pixel 8a. Camera and local support: Camon 30 Pro. Battery and budget: Note 40 Pro.
All five are available across OnBuy merchants nationwide — with deposits starting from just ₦15,000 if your Trust Score is high enough.
