Buying electronics on installments in Kuwait has never been easier, thanks to the rise of Central Bank-licensed "Buy Now, Pay Later" (BNPL) services. Through Twenty Five, you can split your phone and electronics purchases using three different payment systems: Deema, Taly, and Easy Pay. Here's how each works, what sets them apart, and how to pick the right one for you.

What Installment Options Are Available at Twenty Five?

Twenty Five offers three main ways to split your purchase:

  • Deema: A buy-now-pay-later service, no credit card required.

  • Taly: A digital installment service split across 4 equal, interest-free payments.

  • Easy Pay: A credit card installment feature.

Each system works differently and has its own requirements, giving you flexibility to choose what fits your financial situation and preferred payment method.

Installments With Deema

Deema is Kuwait's first licensed buy-now-pay-later platform, approved by the Central Bank of Kuwait. It lets you split purchases into 3 or 4 payments with zero interest or hidden fees — the amount you see at checkout is exactly what you'll pay. Deema works with more than 1,000 merchant partners, and approval takes seconds with no lengthy forms. Requirement: a valid Kuwaiti Civil ID and a Kuwaiti mobile number to register.

Installments With Taly

Taly is another Kuwaiti-licensed digital payment service, operating on the same interest-free principle, but specifically over 4 equal installments. Taly stands out through its wide range of partnerships — companies like stc and Kuwait Airways use it to let customers split purchases and ticket payments, reflecting strong trust in the platform's reliability.

Installments With Easy Pay

Easy Pay works fundamentally differently from Deema and Taly: it's not a standalone app, but a credit card feature (offered by banks like Gulf Bank) that converts your purchase into 12 interest-free monthly installments. To use it, you need an eligible credit card (credit cards only, not charge cards), and a minimum purchase of KD50 at participating merchants (no fee) or KD150 for other purchases via the call center (KD2 conversion fee). The installment term is fixed at 12 months and cannot be changed.

How to Buy on Installments at Twenty Five

  1. Choose the device you want from the Twenty Five app or website.

  2. At checkout, select your preferred installment method (Deema, Taly, or Easy Pay, depending on availability).

  3. For Deema or Taly: log in through the dedicated app and complete verification.

  4. For Easy Pay: ask to activate the feature on your credit card directly at checkout before completing payment.

  5. Complete your order — installments will appear automatically on your statement or in the provider's app.

What's the Difference Between Deema, Taly, and Easy Pay?

Feature

Deema

Taly

Easy Pay

Service type

Standalone BNPL app

Standalone BNPL app

Bank credit card feature

Number of installments

3 or 4 payments

4 payments

12 monthly installments

Interest & fees

None

None

None (a KD2 conversion fee applies in some cases)

Main requirement

Kuwaiti Civil ID + mobile number

Taly app account

Eligible bank credit card

Minimum purchase

Not officially specified

Not officially specified

KD50 (participating merchants) or KD150

Best for

Those without a credit card

Those wanting fast, reliable installments

Credit card holders wanting longer terms

What Products Can You Buy on Installments at Twenty Five?

You can use all three installment options for almost any device available on Twenty Five, including:

  • Smartphones across all tiers (iPhone, Samsung, and others).

  • Tablets and laptops.

  • Wireless earbuds and accessories.

  • Smart home devices.

Why Choose Installments When Shopping at Twenty Five?

  • Financial ease: Spread the cost of a device instead of paying the full amount upfront.

  • No interest: All three options (Deema, Taly, Easy Pay) come with zero added interest.

  • Flexible choice: Options that work whether or not you have a credit card.

  • Fast approval: No long forms, no waiting — Deema and Taly approve in seconds.

Tips Before Buying Devices on Installments at Twenty Five

  • Make sure you can meet every installment on time — late payments (especially with Easy Pay) can trigger extra fees or plan cancellation.

  • Compare the total installment price against the cash price to confirm there's no hidden markup.

  • Avoid opening multiple installment plans at once unless you're confident you can manage several monthly payments in parallel.

  • Read each provider's terms and conditions before finalizing your order.