You Can Now Own AirPods, Android Phones, and Gaming Consoles on a Budget—no Credit Card Required!


What’s your dream gadget?

Is it one of the Apple devices that people line up early for and hype up upon their much-awaited release dates? Or is it a cool Android gizmo with super powerful features? If you’re a gamer, it could also be a top-rated console that can power up your gaming rig. To get your hands on gadgets with top-of-the-line features and performance like these, you’d most likely *need* to save a lot—because with their popularity and guaranteed excellence, these devices come at a high value.

For people on a budget, installment plans help make these high-value tech items more accessible. Instead of paying for these pricey gadgets in one go—which *can* be burdensome to your wallet, you can break down its total cost and distribute it monthly so you and your budget can breathe a bit. Usually, this more flexible and budget-friendly option is only available when you use a credit card—but at the SM Malls Online app, you can also enjoy it without a card!

A flexible payment option for your dream device

Browse through the wide variety of high-value gadgets eligible for this installment plan promo at Polka.PH on the SM Malls Online app, then select the “Cash” payment option upon checkout. Within 24 hours, you will receive an email containing a checkout link from Polka.PH—and in this link, you must upload the following documents to proceed with your application: any (1) valid government ID, Certificate of Employment (COE) or Latest Business Permit for business owners or Equivalent Proof of Work, and your most recent one-month payslips or three-months Bank Statements or Transaction History. 

Upon approval, you can opt to pick up your order at Polka.PH’s physical store at SM North Edsa or have it delivered to your doorstep.

With this no-credit-card-required installment plan, you can enjoy the holiday season with upgraded gadgets you can carry wherever you go. Check out some of the latest, hottest, and trendiest gadgets you can score through a no-credit-card-required installment plan on the SM Malls Online app below.

Non-stop music fest with Apple AirPods

iPhones and MacBooks might be the current flagship products of Apple, but their accessories are also frontrunners in the tech scene. For those who enjoy the convenience and practicality of wireless earbuds, the Apple AirPods are a top choice because of their ergonomic design and optimized features like Adaptive EQ and Personalized Spatial Audio. 

With Adaptive EQ, music is automatically tuned to suit the shape of your ear. These lightweight earbuds’ inward-facing microphones can detect and adjust low- and mid-range frequencies to let you enjoy the best audio quality—whether for music, TV shows, movies, or games. This feature complements the AirPods’ contoured design, which ensures a comfortable angle and better audio direction when you’re listening to music. 

The Apple AirPods also has a Personalized Spatial Audio feature with dynamic head tracking, which offers an immersive three-dimensional listening experience. This, plus its long battery life with up to 6 hours of listening time, lets you enjoy a non-stop music fest with exceptional audio quality guaranteed.

Get the Apple AirPods (3rd Gen) with MagSafe Charging Case at a six-month installment plan with a P2,398 downpayment and a P2,078 monthly charge at Polka.PH via the SM Malls Online app.

Underrated yet powerful Android smartphones 

Among the rising Android smartphone brands is Tecno, which produces elegantly designed smartphones for daily use like the Tecno Spark Go 2023. This cool budget phone offers a “big” value in every aspect—from memory to battery, screen display, and features. Its 6.6” screen displays clear, vibrant, and detailed visuals for easy and enjoyable viewing, while its 4GB RAM gives you lots of space for various files and apps. 

The Tecno Spark Go 2023 also has an AI Dual Rear Camera with large and high-performance lenses to capture exceptional photos and videos. And with its easy charging and long-lasting battery for all-day use, this Android device is definitely one of your best everyday budget smartphone choices. 

Bring home a TECNO Spark Go 2023 4GB now with a six-month installment plan from Polka.PH via the SM Malls Online app. Its downpayment is only P760, while monthly fees are worth P658, making your mobile upgrade easier on your wallet. 

Handy tablet for everyday tasks

Stuck choosing between smartphones and laptops? We say go for tablets, the gadgets in between these two high-powered devices that let you enjoy the best of both worlds instead. With models like the Samsung Galaxy Tab A8, you can still get the functionality of laptops in a gadget that’s still compact—although slightly bigger—like regular smartphones.

The Samsung Galaxy Tab A8 ensures seamless app performance with its 4GB RAM, and it even has a multi-active window feature if you want to multi-task. It also offers an optimized cross-device experience for peak productivity, with its 10.5” display’s refined design and 16:10 aspect ratio giving you an enjoyable and comfortable viewing experience. With its Quad Speakers with Dolby Atmos, you can even watch movies or stream your favorite TV shows at excellent quality with this device!

Get the Samsung Galaxy Tab A8 4GB/64GB WiFi at a six-month installment plan with a P2,798 downpayment and a P2,425 monthly charge at Polka.PH via the SM Malls Online app. 

Your dream gaming console

Gamers, which specs and features do you look for in a gaming device? If you like the ones that contribute to high-performance and immersive gameplay, the Sony PlayStation 5 Disk Edition Console With PS5 Dualsense Wireless Controller is for you. This gaming gear supports haptic feedback, adaptive triggers, and 3D Audio features to produce the best gaming experience, and it also has an ultra-high-speed SSD for loading your games quickly and without any lag. 

Get the Sony PlayStation 5 Disk Edition Console With PS5 Dualsense Wireless Controller for only P5,718 monthly plus a P6,598 downpayment with Polka.PH’s six-month installment plan on the SM Malls Online app.

Bring home your dream gadgets without burning a hole in your wallet by availing of Polka.PH’s no-credit card installment plans on the SM Malls Online app. For more exciting deals and discounts, visit SM Deals or download the SM Malls Online app!