Days are tough and unbearable without a cellphone. Our major concern is to help those who can’t afford, find alternative ways to purchase one on credit and pay later on installments. This is possible through financial companies, buying from stores and cellphone providers with “buy now pay later” phones program without credit check.
How To Know Your Credit Score
Before knowing your credit score, it’s important to first understand what it means. Credit score is defined in terms of a three digit number with a minimum of 300 and a maximum of 850. Also known as magic number, this score strengthens your financial record, helping lenders to trust you with a loan.
To know your credit score, a thorough analysis of your payment history, bank account history, finances owned, your length of credit history and types of credit in use is conducted. Note that, to know your credit score, you should pick the final analyses of your credit score from agencies like Experian, Transunion and Equifax.
How To Build Credit If You Have No Credit
Are you desperately in need of financial loan but cannot get one because you have no credit? Then apply the following techniques.
- Find a cosigner : A cosigner can help you to build your credit? With no credit, lenders can’t approve your name alone. Therefore, you need a guarantor with strong credit history for approval. He or she will help build your credit. However, after approval, make sure you pay your arrears in time. This will help build your credit score stronger.
- Get a secured credit card : This is similar to making security savings mostly ranging from 200$ to 300$. After saving, you are given a secured credit card that can help build your credit score.
Difference Between Leasing And Financing
These are two confusing terminologies. To come out clear, the difference between the two comes during the final stage. In leasing, you return the phone at the end of your payment whereas in financing, you own the phone.
When you lease your phone, you are at the advantage of returning it at the end of the leasing period and getting a more advanced phone as per the trend. Financing a phone has its own advantage too. It allows you to possess the phone fully at the end of it all. That means you can sell, dispose and acquire a new one any time you wish to.
Buy Now Pay Later Phones Without Credit Check Service Provider
1. Boost Mobile
Boost mobile is among the best cellphone provider that offers buy now pay later phones no credit check. It has a program known as BoostUP! that provides a variety of affordable phones with cheap and reasonable plans. BoostUP monthly payments vary per the price and model of each phone. For instance, Samsung Galaxy A20 model has a down payment of 1$, monthly installment of 12$ and should be cleared out within 18 months. It has no interest rate and no renewable contracts.
Process
- Enroll in Boost mobile account and confirm your eligibility with boost up.
- Inside the account, click shopping link and shop a phone of your choice.
- Sign installment agreement.
- Make your first down payment.
- Start making your next payment bills.
Payment plans
Along with the phones, Boost mobile offers affordable plans with the best data, text and call services. These plans are:
- Unlimited gigs plan. The plan has unlimited data, text messages and call minutes with a price at a price of 50 $ per month.
- Unlimited plus plan. It has unlimited data, text, and calls at a price of 60$ per month. Additionally, it has unlimited HD streaming and 30 GIGS mobile tethering.
- Ultimate unlimited plan. The plan cost 80 $ per month. It provides unlimited data, text and unlimited landline calls to more than 70 countries and 50 GIGS hotspots.
The company has several leasing phones available;
- 5 MP dual camera, 1,1 GHz processor and Cool pad legacy go phone.
- 13 MP cameras, 1.6 GHz processor and 8.0 Android Samsung Galaxy J7.
- 12 MP camera, 5.5-inch retina display, and 16GB iPhone 6s plus.
- 16 MP camera, 6.2 display, and 8.1 android LG stylo 4 plus phone.
See more : What Towers Does Boost Mobile Use & Are Boost Mobile Phones Unlocked ?
2. T-Mobile
This is another great ‘buy now pay later’ program company that provide phones with no credit check installment facilities. It has no credit check, no renewable contracts, and no interest rates. T-Mobile has cellphone leasing program know us Jump demand. Rather than leasing out of phones, this program allows you to trade in your older phone with an upgraded one.
Similar to boost, the amount payable in a month depends on the value of your phone. For instance, iPhone 6 is leased with a monthly payment of 15$ for 18 months. To qualify,
- You should have an active T-Mobile postpaid account.
- You should have a verified credit card.
- You should be 18 years and above.
- You should have an income and or an active bank account number.
Models of phones available
- 6, 12.2 MP pixel 3a XL PHONE.
- 12 MP, 6.1 inch and 64 GB iPhone 11.
- 16 MP, 6.3 inch and 256 GB Galaxy Note 10.
- 16 MP, 6.1 inch and 128 GB Galaxy s10.
Process
- Get logged to T- mobile. Com
- Start your cellphone shopping.
- Understand and agree to their terms and condition.
- Make your down payment.
3. AT&T Mobile
AT&T has two amazing phone financing deals: AT&T installment plan and installment plan with Next up. Installment plan gives you a duration of 30 months to pay off your entire phone. However, Its shortcoming is that you can’t upgrade to a new phone unless you have finalized paying the previous completely. AT&T installment plan with next up allows you to upgrade your phone with 50 % balance of the previous phone.
All monthly payments depend on the value your phone and your credit score. They have no interest rate, no hidden charges and no renewable contracts.
Plans
- 30$ per month prepaid plan with 1 GB data, texts and calls.
- 40$ per month prepaid plan with 8 GB data, unlimited texts, calls.
- 45$ plan with unlimited 4 G LTE data, text and call minutes.
Available phones
- 5 MP, 1.1 GHz core processor Alcatel tetra phone.
- 8 MP Camera and 1.4 GHz LG phoenix 4.
- 8 MP Camera, 2GHz Nokia 3.1 A.
Process
- Get AT$ T account.
- Select your preferred phone as and add to cart.
- Read, understand and agree to its term of payment.
- Make your down payment.
- Receive your phone
See more : How To Activate A New AT&T Phone
4. Verizon Wireless
Verizon also provides amazing monthly payment offers. This carrier provides rent to own phones at a reasonable down payment feed depending on credit history. It has no interest and no hidden charges.
Verizon monthly payment varies per the value of the phone. However, all phones are given leasing duration of 24 months.
Plan
- Basic phone plan with 500 MBs data, unlimited text, and calls at 30 $ per month.
- 45 $ prepaid plan with 16 GB, unlimited text and call minutes.
- Start unlimited plan for military plan with unlimited data, unlimited text and unlimited text messages for 60$ per month. To qualify for this plan, you have to be a military or a veteran with 60 $ per month.
- Small 55$ plan with 5 GB data, unlimited text, and calls for 55$ per month.
Available phones
- 10 MP, 6.8 inch Samsung Galaxy Note 10+.
- 12 MP, 6.2 inch and 32 GB Moto G7 power.
- 12+ 5 MP, 5.84 inch Nokia 7.1
See more : How To Get Free Phones From Verizon Wireless ?
5. Sprint ( Sprint is now part of T-Mobile )
Sprint provides leasing phones with no interest rates and no additional charges. It leases out a wide variety of phones like Moto g6 play, apple iPhones 8 and Samsung galaxy note 9 among others. Monthly installment payments vary from one phone to another. All leased phones have no interest rates and have a leasing period of 24 months.
Plans
- Unlimited kick start plan @ 35$ per month.
- Single line 2 GB plan @ 40 $ per month.
- Unlimited basic plan @ 60 $ per month.
Process
- Get a sprint account and enroll for buy now pay later program.
- Shop your preferred phone.
- Sign leasing agreement.
- Pay down payment and receive your phone.
- Proceed with your monthly payments.
Buy Now Pay Later Phones No Credit Check Financial Companies
Rather than cellphone providers, there are several financial companies that provide loans directly or link you with interested lenders to acquire phone financing help. Below, we have described four best companies for you.
1. Electro Finance
Electro Finance is a reliable financial company with easy and fast phone financing services. The company collaborates with several lenders to offer loans. These lenders have cheap and affordable plans that are mostly extended up to 12 months. Nevertheless, terms and conditions vary from one lender to another. Same applies to interest rates and payable monthly installments.
To benefit from electro finance, you must be above 18 years of age, have a social security number and a valid debit/credit card.
2. CashUsa.com
CashU also provides phone financial help. Through this site, borrowers send their application form and get linked to potential lenders. More often, these lenders provide loan duration of 12 months. They have interest rates and monthly installments that vary from each other.
To qualify, you must be an adult above 18 years, must have an active bank account number, social security number, debit or credit card.
Application process
- Visit cashusa.com and register an account.
- Fill and submit your application form to get linked to an interested lender.
- Agree with terms and conditions from your lender and receive your loan.
3. Money Mutual
Money Mutual is another reliable way to get phone financial help. Through the company, you get a lender willing to provide you the amount needed. To benefit from this company, you should;
- Verify your eligibility. Are you eligible? If you are above 18 years, own a legit social security number, bank account, and credit or debit card then you qualify.
- Get an account from their site, apply and submit an application form in request for your loan.
- Get linked with a willing lender and agree to his terms and conditions.
- Acquire your loan.
- Start your next month’s payment installments.
4. Simply Mac
From Simply Mac, you can also get adequate loan to purchase your desired phone through AFFIRM. However, you should send an application form to simplymac.com. this company will then forward your application to affirm, where they approve your request and offer you the needed loan.
Online Store That Provide Buy Now Pay Later Phones Without Credit Check Facilities
1. Amazon
This is the leading online store that sells several brands and varieties of phones. The store sells both cheap and expensive phones. However, nobody is limited to acquire the type of [hone they desire despite how costly it might be. This is because Amazon has buy now pay later program that allows you to purchase an item on rent and pay m6nth3y within 5-6 months. This store has no interest rate on their commodities.
2. Flexshopper
Flexshopper is another online store with buy now pay later phone services. The company allows to shop your phone for free and pay later on monthly or weekly installments as per your ability. It has no interest rate with a leasing period spread over a period of one year.
To qualify, you
- Must possess a national identification card from your respective nationality.
- Must be an adult.
- Must have an active bank account.
3. Rent–A-center
Through Rent-A-Center store, you can also get a phone for free and pay later on installments. It has no interest rate, no credit check with payment plan extended over a period of 12 months.
4. Luther Sales
Luther Sales allow you to acquire any phone of your choice and pay later on monthly installments. On Luther sales, monthly payment and leasing duration varies as per the value of your phone. It has no credit check and no interest rates.
5. Zebit
Based in America, Zebit provides cheap cellphones at a fair and reasonable price with no credit check, no hidden charges, and no interest rate.
Requirements
- You should be over 18 years.
- You should have a monthly income or a disabled, senior with monthly benefits.
Final Take
Phones are essential devices. Without them, communication is important. Due to that, we have described the best companies and stores to help you get cheap phones with affordable plans.
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