Buy Now Pay Later Cell Phones: Financing Options


This post may contain affiliate links to products that I recommend and I may earn money or products from companies mentioned in this post. Please check out my disclaimer page for more information.


Do you want a cell phone but don’t have the cash to buy one? Turn to cell phone financing! There are many options available for cell phones with no credit check and no down payment required. We will discuss some of these options and how they work so that you can buy now pay later on your cell phone.

  • *You want to be sure to check with east establishment mentioned below because terms, promotions, and services routinely change.*

What Is Cell Phone Financing?

Cell phone financing means that instead of buying out all costs in one lump sum cash payment when purchasing a cell down payment – such as an iPhone Xs Max priced at $999 – you will be making smaller monthly payments over time until the total purchase price has been paid off. In other words, this type of finance allows consumers to buy now pay later on their cell phone.

There are a lot of options for buy now pay later no credit check instant approval no money down for a lot of items in addition to phones. However, there are a lot of benefits to finance cell phones this way.

Benefits of cell phone financing:

  • No cell down payment required
  • Pay off your cell phones over time
  • Monthly payments are much smaller than the total price of a cell phone

You can buy now pay later on cell phones with bad credit or a poor history of paying bills timely, as long as you have found one of these companies below that offer guaranteed cell phone financing without requiring any collateral upfront.

Additionally, you don’t have to worry about debit card declined notices when trying to buy a cell phone.

Places for Buy Now Pay Later Cell Phone Financing

If your iPhone has died or is in the bottom of the lake somewhere, cell phone financing is a great way to get a new cell phone. With no credit check and no down payment, you can buy now pay later on cell phones. Below are some of the most popular places for guaranteed phone financing with no credit check required.

Metro by T-Mobile

Metro by T-Mobile (formerly MetroPCS) offers cell phone financing with no credit check required. You can buy now pay later on cell phones, and the rates are very competitive. Some other benefits include no cell phone down payment, no cell phone deposit, and cell phones can be financed for as long as 24 months (check store for promotion).

Sprint

As one of the most popular cell carriers in America, Sprint offers cell phone financing for all cell phones at no cost to you. Just visit any Sprint store to apply for a new plan or activate your current service without paying anything up-front. Once approved, they’ll send your device within three business days – making it easier than ever to buy now pay later on cell phones from Sprint.

Verizon

Verizon cell phone financing is a great way to buy now pay later on cell phones at no cost. With cell phone financing, you can buy any Verizon cell phone with no credit check and no down payment required. Additionally, cell phone financing makes cell phone upgrades easy and affordable.

Best Buy

If you’re looking for cell phones to buy now pay later on, stop by BestBuy! With cell phone financing at no cost, there’s no reason not to. Visit any store or apply online for a new plan or activate your current service without paying anything up-front. Once approved, they’ll send your cell phone within three business days.

AT&T Next Up Cell Phone Finance

AT&T is one of the best cell phone companies to buy now pay later on with no credit check or down payment required. With cell phone financing from AT&T Next Up, you can get approved instantly without any collateral upfront and with zero interest rates.

Customers may be eligible for lower introductory fees when they sign up during promotional periods such as national holidays (e.g., Memorial Day or Independence Day) and Black Friday deals at participating stores nationwide. Customers will also enjoy access to their most popular cell phone options and plans, cell phones with installment billing for no credit check or deposit required.

Cricket Wireless

Another place for guaranteed phone financing with no credit check required is Cricket Wireless. Cricket is another one of the best companies to buy now pay later on cell phones without a credit check or deposit requirement. With guaranteed cell phone finance, customers can buy now pay later on their cell phone by making monthly payments over time until they’ve paid off the entire purchase price. You will never have to worry about paying upfront costs again when you sign up for this plan.

SmartPay Lease

Another option is SmartPay cell phone financing. SmartPay offers cell phones to buy now pay later on with no credit check or down payment required, and they also offer cell phone upgrade programs that include free cell phone insurance when you buy the device. You can work with SmartPay directly or go to cell phone providers like Verizon, AT&T, and more.

Jitterbug

If you’re looking for a cell phone that is guaranteed cell phone financed with no credit check or down payment required, Jitterbug can offer it! Jitterbug offers all types of cell phones from top brands without any deposit requirement. With the lack of contract requirements and affordable monthly payments, this is the perfect option. If you want to buy now pay later on your cell phone, then make budget-friendly monthly installments over time until they’ve paid off the total purchase price.

Rent-A-Center

Nobody would think that cell phone financing could come with a cell phone to rent, but it’s true! Rent-A-Center lets you buy now pay later on cell phones by renting the device and paying for it over time. You can get approved instantly without any collateral upfront, and there are no credit checks required either.

no credit check guaranteed cell phone financing

Places for Buy Now Pay Later Refurbished Cell Phones No Credit Check

Maybe spreading out a payment for a new cell phone for 24 months is too long, or you don’t feel like spending $800 for a cell phone. Another option is to consider a refurbished cell phone.

Some places offer buy now pay later for refurbished cell phones with no credit check or down payment required.

If you do plan on using a credit card be sure to know will canceling a credit card stop recurring payments before you take action.

Best Buy Refurbished Cell Phones

If you’re looking to finance with buy now pay later on refurbished cell phones with no credit check required, Best Buy offers a wide variety of options, including:

  • Apple iPhones
  • Samsung Galaxy devices, as well as many other brands.

Prices start at $19.99 (plus tax) but will vary depending on your specific device needs and requirements, so be sure to compare before making any commitments!

Amazon – Certified Pre-Owned Smartphones No Credit Check or Deposit Required

Not only does Amazon offer new cell phones, but they also have certified pre-owned smartphones that are guaranteed cell phone financed without credit checks or down payments needed!

Amazon pre-owned smartphones are cell phones that have been used by the previous owner for at least a year and work just like new. They are guaranteed cell phone financed with no credit check or deposit required!

Related Questions:

Is it smart to finance a cell phone?

It is wise to buy now pay later for cell phones. With the low monthly payments, it’s easier than ever for cell phone customers to afford a cell phone without having any upfront costs like down payments or credit checks required.

What are the top cell phones?

The answer to this question would depend on what you’re looking for in a cell phone. If you want more features, then an iPhone is available, but if the price is your priority, consider any of these options: 

Samsung Galaxy or Google Pixel

Do cell phones have contracts?

No! Cell Phone providers like Verizon, AT&T, etc., offer buy now pay later plans without contracts required, which allow customers to own their device much sooner than they previously could before. With no down payments and monthly payment installments that can be made within budget-friendly terms.

How long does it take to get cell phone service?

This depends on what type of cell phone provider you have chosen. Like Verizon and AT&T, some providers will take 24-48 hours to activate your new cell phone plan, while others can be done in a matter of minutes.

What benefits do buy now pay later cell phone plans with no credit check or deposit required offer?

The advantage of buy now pay later cell phones without credit checks is that there are no down payments or monthly installments needed upfront. This means less hassle when it comes time to upgrade your device! There’s also more flexibility because customers don’t need any collateral upfront, which allows them to focus on paying their current bill first before they even think about buying another cell phone.

 Summary

When you choose cell phone financing with no credit check, you’ll be able to experience the benefits of owning a new cell phone without having any upfront costs.

This is possible because cell phones are often available for buy now pay later financing on credit with monthly installment payments that can fit into your budget. All you need is an eligible cell phone plan from one of these providers: Verizon Wireless, AT&T, or Sprint, among others. This is a great option if you budget by paycheck for your finances.

You won’t have stress of paying off your cell phone immediately or make installments that are too high for what you’re making to cover them.

The best part? There have never been more flexible options for upgrading devices like Apple iPhones or Samsung Galaxy Devices.

BG Vance

For over 20 years, BG Vance has been a leader in public and personal financial management. He's developed and managed public budgets in excess of hundreds of millions of dollars. He is passionate about the FIRE movement and was featured in the Detroit News in 2001 about saving for retirement. Through the years, he's assisted families and individuals with getting their finances on track. He holds an MPA, is a licensed Realtor, and is currently working on a book about personal finance.

Recent Posts