These days very few people can imagine their lives without a phone. Moreover, high-performing phones tend to be rather expensive and something than many individuals can simply afford. As such lease cell phone, no credit check option is a fabulous way for people to get their hands on a high-quality smartphone without the need to pay the large amount and without a credit check.
In this article, you will learn basically all there is to know about the lease cell phone no credit check option. You will learn, why you should consider lease cell phone no credit check, how phone and accessory leasing works, and have a closer look at current top lease cell phone no credit check required options.
By the end of this article, you will be able to determine whether lease cell phone no credit option is something you need to take advantage of. If so, you will also know how to proceed and which are some of the best options for you.
Before we move on, we must get clear on what lease cell phone no credit check is in the first place.
What is Lease Cell Phone no Credit Check
Lease cell phone no credit check is basically a cell phone plan where the provider required you to sign a contract prior to offering you a device for a smaller upfront amount or even $0 upfront cost in many cases. This means that instead of paying a full amount for your phone at the time of purchase, you will have monthly bills to settle the cost in the long run.
In many cases, wireless carriers don’t conduct a credit check. However, in almost all situations you are required to sign up for a service plan – typically for 12 or 24 months, in some cases even more. The longer the period, the smaller the monthly fee for the phone.
That option enables you to obtain a high-class, high-performing cell phone for an affordable monthly fee instead of pay the extra high single amount.
Keep in mind that the phone is not free of charge. Over the period of 24 months (or more), you will each month pay for the service plan (your minutes, data, and texts; many times these plans are unlimited now) and a fee for your phone. So over the entire period, you will pay more or less the same amount you’d pay if you were to purchase the phone the first day in full. The good thing here is that the cell phone monthly payments are typically interest-free. Moreover, in many cases, you’ll need to pay $0 during the sign-up process of these sorts of plans.
Why Should You Consider Lease Cell Phone No Credit Check
Now that you know what the lease cell phone no credit check is, you probably already have some ideas why you should consider this option, right? The most obvious reason is to avoid paying a ridiculously high one-time price of a phone. For most people, it is feasible to come up with $40 each month, while it is a completely different coming up with a full amount of $1000, which is how much many latest smartphones cost.
The even distribution of a larger amount is the only reason why one should consider the lease cell phone no credit check option. That way you can use an advanced smartphone that may have otherwise been out of your budget.
When Do You Need To Consider To Lease Cell Phone
Given the above information, you should definitely consider leasing a cell phone when you are in need of a high-performing smartphone but can afford to pay for it in full up-front.
NOTE: We advise you to really think about your smartphone needs prior to any purchase? Do you really need the best phone available on the market? If the answer is yes, they by all means go for it, even if it is out of your budget. However, if you actually can successfully complete all your day-to-day tasks with your current phone or a new entry-level or mid-range phone, we advise you to go with that option.
How Phone and Accessory Leasing Works
Know you already know what the lease cell phone no credit is and as such you probably can answer the above question at least roughly. However, since we want to leave no stone unturned, we want to make sure you have a proper understanding of the process.
In general, you have two options to go around the lease cell phone no credit process – you can sort this directly with the cell phone provider or the cell phone provider may be using third-party financing services through which the lease cell phone no credit will be arranged. This varies from company to company.
The contract will be signed, containing all the details, terms, and conditions. This contract binds you to that phone provider until the last payment is made.
Every wireless provider that offers lease cell phone no credit option has a slightly different procedure and the exact steps vary. In some cases, everything can be sorted online, while in others, you will need to visit their local representative to make the necessary arrangement. As such, it may be best to call the wireless provider’s support and ask them how to proceed with the lease cell phone no credit check option.
Top 5 Lease Cell Phone No Credit Check Required in 2024
In this section, you can find the top 5 (7) cell phones that can be yours with lease cell phone no credit check option.
NOTE: The offers change super fast, thus it is better to always check the latest offer directly with providers.
1. Samsung Galaxy S20 Ultra
The Samsung Galaxy S20 Ultra is arguably the best Android phone currently on the market. It offers many amazing features, including an extra-large display of 6.9-inch Infinity-O Display Gorilla Glass, an amazing triple camera that offers highest resolution photos in all light conditions, 12GB of RAM of ultra-smooth operation, an ultra-powerful 5000 mAh battery and much more. It measures 6.57 x 2.99 x 0.35 inches and weighs 7.83 ounces. The Samsung Galaxy S20 is powered by Android 10.0 One UI.
Best lease cell phone no credit deal (at SimpleMobile via SmartPay):
- Down payment and taxes: the first monthly installment
- Lease Price: $68.02 per month
- Lease Duration: 24 months (several options)
2. Apple iPhone 11 Pro Max
iPhone 11 Pro Max is currently the best smartphone that Apple has to offer. It is available in several colors and with various internal storage size (64GB, 256GB, or 512GB). It packs a large screen of 6.5” (OLED display), 6GB of ram, dual SIM option (Nano and eSIM), triple 12MP rear camera, 12MP front camera, 3500 mAh battery, and much more. It operates on a new A13 Bionic chip and iOS 13.
Best lease cell phone no credit deal (at Straight Talk via SmartPay):
- Down payment and taxes: the first monthly installment
- Lease Price: starting at $52.99 per month
- Lease Duration: 24 months (several options)
3. Samsung Galaxy Note 10
This is one of Samsung’s best phones at the moment. The Note 10 packs a 6.3” Dynamic AMOLED screen with 1080 x 2280 pixels resolution and HDR10+, 8 GB RAM, and 256 GB storage. This smartphone comes with the stylus, which has a built-in accelerometer and gyroscope and supports Bluetooth and can as such be used for remote and gesture control. It is powered by Android 9 and Exynos 9825 or the Snapdragon 855 (region dependent). The phone has three cameras – 12 MP wide, 12MP telephoto, and 16MP ultrawide, which are capable of capturing UltraHD 2160p videos with gyro-based EIS and OIS. Its front camera is a 10 MP shooter.
The phone also comes with stereo speakers with Dolby Atmos. The ultrasonic fingerprint sensor is under the display for maximum convenience. All these are powered by a 3500 mAh battery that supports 25W USB Power Delivery. The phone also supports wireless charging at 12 W using Qi/PMA protocols and 12W reverse wireless charging to help friends in need of power.
Best lease cell phone no credit deal (at Sprint):
- Down payment and taxes: $0
- Lease Price: $39.59 per month
- Lease Duration: 24 months
4. Larger alternative: Samsung Galaxy Note 10+
The Samsung Galaxy Note 10+ is very similar to the above Note 10, with some additional benefits. Including a larger 6.8” screen with 1440 x 3040 resolution, an extra TOF 3D VGA camera, and a massive 4300 mAh battery capable of charging at 45W.
Best lease cell phone no credit deal (at Sprint):
- Down payment and taxes: $149
- Lease Price: $39.59 per month
- Lease Duration: 24 months
5. iPhone XS
The iPhone XS packs a 5.8” OLED screen with 1125 x 2436 resolutions that are HDR10 and Dolby Vision compliant. It also has a 3D touch sensor that uses 120 Hz sensing. The phone weighs 177 grams and is IP68 certified (highest waterproof and dust-proof rating). It is powered by the Apple A12 Bionic chip and runs on iOS 12. Option available for lease has 64GB storage and 4GB ram. This smartphone has a dual-camera – 12 MP wide shooter and a 12 MP telephoto shooter with 2x optical zoom. The selfie front camera is a 7 MP module. Power is supplied by a Li-ion 2658 mAh battery with fast charging support and a 72h endurance rating.
Best lease cell phone no credit deal (Sprint and T-Mobile):
- Down payment and taxes: $249.99
- Lease Price: $31.25 per month
- Lease Duration: 24 months
6. Larger alternative: iPhone XS Max
The iPhone XS Max is very similar to the above smaller brother, yet it packs some additional features, on top of which is definitely a 6.5” display with 1242 x 2688 resolution. You also get a noticeably larger battery at 3174 mA. The iPhone XS Max has an endurance of 79 hours.
Best lease cell phone no credit deal (Sprint and T-Mobile):
- Down payment and taxes: $349.99
- Lease Price: $31.25 per month
- Lease Duration: 24 months
7. Samsung Galaxy S10
The Samsung Galaxy S10 comes with a 6.1” dynamic AMOLED screen with 1440 x 3040 resolution and weighs just 157 grams thanks to its aluminum frame. The phone is protected by Gorilla Glass 5 at the back. It is IP68 certified for tough conditions (maximum waterproof and dust-proof ratings). This phone is powered by Android 9.0 with One UI and an octa-core Exynos 9820 or a Snapdragon 855 chipset. The Samsung Galaxy S10 will impress you with 3 cameras – wide, telephoto, and ultrawide and the selfie camera, which is a 10MP wide shooter with dual pixel PDAF. It also includes 3.5mm jack and support for Dolby/AKG. It is run by a 3400 mAh battery that offers a 15 W charging rate.
Best lease cell phone no credit deal (T-Mobile):
- Down payment and taxes: $149.99
- Lease Price: $31.25 per month
- Lease Duration: 24 months
Multiple Ways to Lease Cell Phone No Credit Check Required
In this section, you will be presented with several ways to lease cell phone no credit check options. These include cell phone carriers, online stores, and financial organizations.
4 Best Cell Phone Companies Offering Lease Cell Phone with No Credit
Currently, four best cell phone companies include Sprint, T-Mobile, TextNow Wireless, and Tello.
1. Sprint
Sprint is a lease cell phone provider that offers some of the best services to its customers regarding data, talk, and messages. One Sprint unlimited line goes for $60, two at $100 (current special deal give your 3 and 4 lines for $100/mo). Recently they’ve added Unlimited Kickstart plan that goes for $35/mo. and includes more basic options regarding data options.
The best way to apply is to visit the Sprint official website and select the phone you like to see what the lease options are.
2. T-Mobile
T-Mobile is one of the largest and most reputable carriers. It is the one that took over Sprint at the beginning of 2020. T-Mobile offers several phones to be leased. Like with Sprint, it is best to visit their official website and look at their currently available deals.
Their Essentials plans start at $26/mo. per line, while their most popular plan, Magenta, runs for $35/mo. per line.
3. TextNow Wireless
The TextNow Wireless delivers some of the best services that suit most smartphone users. They give unlimited calls, text messages, and huge amounts of 4G LTE data depending on your preferred plan. Once/if you reach your 4G LTE limit, you are entitled to 2G speeds for your browsing and streaming. It features no credit checks, contracts, and extra fees. It also enables you to log in to your computer or web to make calls or texts through your TextNow number. The same services and features can be accessed through the TextNow app on all smartphones.
They tend to offer many phones with a lease option. However, the selection of phones tends to be rather limited. Visit their official website to get the latest info.
4. Tello
Tello is a no-contract provider that offers a plan, which enables you to choose the 4G LTE data and minutes according to your needs. All their plans include unlimited texts, allowing you to make changes any time without incurring additional costs. They also offer roll-over – if you have some unused balances, they’ll be rolled automatically to your next billing period.
Their “Pay as You Go” credits are also a great option for international calls to promptly top up your account at your convenient time.
4 Best Online Stores That Provide Lease Cell Phone No Credit Check Support
As you definitely know, there are many valid online options to buy your phone. Of course, you can turn to the carrier provider’s online store, which is something most of them offer in 2020. But we are here to focus on other online stores.
Kmart, Best Buy, Gazelle, and MetroPCS are some of the best options. As such it makes sense to visit their official website and check their offers on smartphones.
Keep in mind that only certain models at certain times may be eligible for lease. In some cases, they may perform a credit check. Since their offers change rapidly it is always best to check separately for a device of your interest.
4 Best Financial Organization That Support Lease Cell Phone No Credit Check Loan Programs
There are third-party alternatives – financial companies that offer support in the form of lease cell phone no credit programs.
Tempoe
TEMPOE leasing gives you the freedom to shop with no credit required. Plus, where available, you take advantage of multiple opportunities for ownership. TEMPOE has instant decisions on your application and the flexibility to choose from monthly or bi-weekly payment options. Tempoe operates in all U.S. states including Puerto Rico, serving a variety of industries. Make sure to visit their website or contact their support for more information.
SmartPay
SmartPay is a very reputable and popular option. It is offered directly on many popular carriers, including Net10 Wireless, SIMple Mobile, Straight Talk, and Total Wireless. They promise easy application and low payments over time, allow you to get up to $1,500 to get the phone and accessories you really want, are available at 1,000s of popular merchants nationwide.
Progressive Leasing
Progressive Leasing enables you to shop at your favorite stores. With over 30,000 retail locations nationwide, you can enjoy affordable, flexible lease-to-own payment. It is definitely worth checking it out.
Acima
Acima is another solid alternative. Visit their official store to find a store where you may use their financing services.
Differences Between Leasing and Financing a Smartphone
Many individual do not know the difference between leasing and financing. And to be honest, it is not really their fault. The reason behind this confusion is the interchangeable use of lease and financing terms by many smartphone sellers and providers.
As such we strongly advise you to read the fine text on every offer or call customer support to ensure that you are getting what you think you are getting with a specific offer.
Officially speaking the main difference between the lease and financing is that the former doesn’t leave you with the phone ownership. You can look at lease like renting an apartment; you pay a monthly fee but even after a longer period, you do not own the apartment.
While with the financing you get to full ownership over the smartphone after your final installment has been paid.
That said, each of these options has its upsides and downsides, and those greatly vary from offer to offer. Generally speaking, the lease option is a great option for those who want to upgrade their devices frequently. With a lease, you will pay less in overall monthly payments than you’d pay if you were to buy a device in full retails price. On the other hand, financing will often result in you paying slightly more than the full device price as you are paying for interest as well.
How to Build Credit if You Have No Credit
There are many ways and tricks to build credit. Here are some of the most popular suggestions:
- Get a store card.
- Find a co-signer.
- Apply for a credit-builder loan.
- Apply for a secured credit card at a bank.
- Report rent and utility payments to credit bureaus.
- Don’t use too much credit.
- Become an authorized user on another person’s credit card.
- Consider a student credit card.
- Make on-time payments every month.
- Go easy on the number of cards.
- Credit history matters – better to have opened accounts if they don’t cost too much.
- Be aware of identity theft.
Do Smartphone Leases Improve Your Credit Score?
Unfortunately, the phone service providers do not report good credit history to the credit bureaus. Thus, your good payment history will not help your credit or your credit scores. The plus side of this is that they also don’t report late payments.
