I’m planning to buy a new mobile but don’t really want to pay the full price in one go. I’m considering the JS Bank mobile installment plan and was wondering how it works in practice. Do you have to apply separately for the installment plan, and are there specific phones or stores included? I’d also like to know if the paperwork is simple and whether the monthly payments are fixed. If someone has tried it recently, I’d be interested in hearing what the process was actually like.