senheng, harvey norman can do instalments,but usually u need to be a member, senheng only RM12. other option, if u using maybank cc, just buy from the apple store, then you can convert the transaction into ezypayment instalment, zero interest now for any purchase exceeding 1k until 31dec 2020.

yes, can do installment using citibank. using citibank lagi untung cos you can get extra two years warranty from senheng if im not mistaken. can check their website.