10 Buy Now Pay Later Phones No Credit Check Provider

Can I buy now pay later phones no credit check? The answer is yes! There are plenty of retailers that offer this type of financing, allowing you to get the phone you need without having to put any money down upfront.

This can be a great option for those who have bad credit or no credit history, as it gives you a chance to establish a positive payment history. Just be sure to make your payments on time and in full, as defaulting on the loan could damage your credit score.

With a buy now pay later phone program, you can finally get the latest model without having to worry about your credit. Let’s explore more about buy now pay later mobile phones no credit check!

How To Get Buy Now Pay Later Phones No Credit Check

Buy now pay later phones no credit check is a type of financing that allows you to purchase a new phone now and pay for it later in full, without having to undergo a credit check. This type of financing can be beneficial if you are looking to upgrade your phone but do not have the funds to do so upfront.

It can also be a good option if you have bad credit and are unable to qualify for a traditional phone financing plan. To qualify for buy now pay later phones no credit check programs, you will typically need to have a steady income and be at least 18 years of age.

Some lenders may also require that you have a valid bank account and a working phone number. Once you have been approved for financing, you will be able to choose the phone you want and make monthly payments toward the purchase price.

If you decide to finance your new phone through the buy now pay later phones no credit check schemes, it is important to make your payments on time each month. If you miss a payment, your account may be turned over to a collection agency, which can negatively impact your credit score.

Additionally, if you default on the financing agreement, you may be responsible for the full purchase price of the phone, plus any interest and fees that have accrued. If you are considering financing your new phone through buy now pay later cell phones no down payment programs, be sure to compare offers from multiple lenders to get the best terms and rates.

You can use an online comparison tool like the one found at MyRatePlan.com to get multiple quotes from different lenders all in one place. This will help you make an informed decision about which lender is right for you.

Top 10 Buy Now Pay Later Phones No Credit Check Providers 2022

If you’re looking for a phone with no credit check, you’ve come to the right place. We’ve compiled a list of providers that offer great deals on phones with no credit check required.

1. T-Mobile

T-Mobile Unlimited Senior Discount Plans

T-Mobile is one of the leading providers of buy now pay later phones with no credit check. They offer a great selection of smartphones, including the latest iPhones and Androids. You can get a T-Mobile phone with no credit check by signing up for their Simply Prepaid plan.

This is a fantastic “buy now, pay later” provider that gives phones with no credit check financing options. There is no background check, no option for renewal, and no interest costs. The T-Mobile smartphone rental scheme is recognized as JUMP!

With this scheme, you can trade in your old phone for an improved one as opposed to renting out phones. The monthly payment is determined by the worth of your device, similar to Boost Mobile. For example, an 18-month rental on an iPhone 6 costs $15 monthly.

To be eligible,

  • You must possess a T-Mobile prepaid account that is active.
  • You ought to possess a legitimate credit card.
  • You must be at least 18 years old.
  • You ought to be employed or have a valid banking account number.


  • Sign in to T-Mobile.com
  • Start looking for a phone.
  • Recognize and concur with their terms and conditions.
  • Put some money down.

2. Boost Mobile

Boost Mobile Free Phone

One of the top providers of buy-now, pay-later phones on finance no credit check is Boost Mobile. It has a scheme named BoostUP! that offers a selection of inexpensive smartphones with inexpensive and sensible plans.

According to each phone’s price and model, BoostUP’s monthly costs change. As an illustration, the Samsung Galaxy A20 model requires a $1 upfront payment, and a $12 installment, and ought to be paid off in 18 months. It has no rates of interest and no agreements that may be renewed.


  • Sign up for a Boost virtual wallet and use boost-up to verify your identity.
  • Click the purchasing link from the inside of the account to browse phones of your choosing.
  • Sign the payment plan.
  • Pay the initial down payment.
  • Start paying your bills as soon as possible.

Payment schemes

In addition to smartphones, Boost Mobile also provides economical packages with the finest call, text, and data solutions. These schemes are:

Unlimited gigs plan: The service costs $50 each month and includes unlimited bandwidth, texts & emails, and phone minutes.

Unlimited plus plan: At a cost of $60 a month, it offers unlimited texting, voice, and mobile data. Furthermore, it offers 30 GIGS of wireless tethering and limitless HD playback.

Ultimate unlimited plan: The program had a monthly fee of 80 dollars. In addition to 50 GIGS hotspots, it offers unlimited internet, texting, and voice calls to even more than 70 different countries.

3. AT&T Mobile

AT&T low income Plans

The AT&T installment plan and the repayment plan with Next up are two fantastic smartphone financing options offered by AT&T. With an installment agreement, you have 30 months to shell off the entire device. The only drawback is that you can’t consider upgrading to a new smartphone until the old one has been fully paid off.

You can update your cellphone with 50% of the remaining on your old one if you have an AT&T payment plan with Next Up. Your credit rating and the cost of your handset determine how much you pay each month. They don’t have a rate of interest, any extra fees, or renewed agreements.


  • Prepaid plan for 30 dollars per month with 1 GB of data, messages, and minutes.
  • The prepaid package includes 8 GB of data, unlimited texts, and calls for 40 dollars per month.
  • Unlimited 4G LTE internet, text messages, and call minutes on a 45 dollars subscription.


  • Open an AT&T account.
  • Choose the phone of your choice, then click “Add to Cart.”
  • Read, comprehend, and concur with its payment terms.
  • Put some money down.
  • Take your phone.

4. Verizon Wireless

Verizon Wireless

Additionally, Verizon offers fantastic monthly payment arrangements. Depending on credit history, this carrier offers rent-to-own phones with a modest down payment. There are no interest fees or additional costs. The worth of the phone affects how much Verizon charges each month. Nevertheless, all phones have a 24-month lease period.


  • Basic phone plans for 30 dollars each month with 500 MBs of data, unlimited texts, and free calls.
  • Prepaid package for 45 dollars that includes 16 GB and unlimited texting and phone calls.
  • Start an individual plan for the armed services that costs 60 dollars a month and usually includes data, unlimited text, and unrestricted SMS messages.
  • Veterans or active duty military members must earn at least 60 dollars per month to be eligible for this plan.

Verizon provides a monthly deposit to your attached invoice as part of this package to help you defray the expense of the gadget you’re buying in accordance with your introductory period. Additionally, Verizon offers free smartphones to consumers who switch from other telecom operators. This is contingent on you signing up for one of their international roaming, though.

5. Sprint


With no APR and no extra charges, Sprint offers phone financing. It rents out a broad range of smartphones, including the Moto g6 Play, Apple iPhone 8s, and Samsung Galaxy Note 9. The number of monthly installments varies depending on the phone. All rented cellphones have a 24-month lease term and no accrued interest.


  • 35 dollars monthly starter plan with unlimited bandwidth.
  • Single line, 2 GB monthly plan for 40 dollars.
  • Basic unbounded plan for 60 dollars per month.


  • Sign up for the Sprint buy now, pay later offer.
  • Buy the phone of your choice.
  • Make a lease agreement.
  • Receive your phone after making a down payment.
  • Continue making your recurring payments.

6. Affirm


Affirm is an excellent buy now, pay later program since it has no costs, including no penalty fee. In 2012, Max Levchin, a co-founder of PayPal, and Jeff Kaditz established the business. In California’s San Fran, it has its main office. It generated $510 million in sales in 2020.

Affirm imposes simple interest for purchases that do incur interest, so your interest costs won’t accumulate and increase over time. This fintech company is publicly listed and provides BNPL discounts on expensive things including beds, appliances, and vacation.

It also has a distinct category with a $17,500 loan cap for minority enterprises. Although Affirm is web-based, its cost-free, accessible app is where it shines. You have two ways to pay for it:

Affirm Pay in 4

You can choose to pay in four equal payments over the course of two weeks with this mode of payment. Payments will be simple and automatic.

Monthly Payment

Without any extra or late penalties, you can make monthly payments. Yet, there is a tiny interest fee associated with rent installments. The APR for this plan is 0–30% and the collection period is up to 48 months.


  • To use Affirm, simply choose it as your payment method when checking out on thousands of websites or in-store.
  • Real-time loan approval information will be provided to you.
  • Enter additional basic information when you’ve been granted permission to confirm your loan.
  • With your credit or debit card, you can make a later payment.

Affirm is a better option than using a credit card to shop. Since the crew never performs a rigorous credit check, your credit ratings are never adversely affected.

7. Afterpay


Afterpay is a financial service based in Australia with a global reach. Australians, Canadians, and Americans everyone can use it. Customers who use Afterpay can purchase goods now and pay them off afterward without incurring interest or charges.

Afterpay entered the American market in May 2018 and by 2020 had more than five million members there. It’s an intriguing proposition because of its spectacular rise.
Over 80,000 stores have joined forces with Afterpay to become their partners. As a result, it provides a variety of products and doesn’t need to impose interest rates to make money.

You can use Afterpay to make a small down payment and the remaining balance over four equal payments, due two weeks apart. You have six weeks to finish the payments.


  • Any retailer that accepts Afterpay lets you make purchases both online and in person.
  • Enter into their website and open a verified account first of all
  • Choose Afterpay as your form of payment at the end.
  • Proceed to decide whether you want to pay the entire sum or a portion of it now.

Payments may be made using debit or credit cards. It only requires that you complete an online form with your:

  • Address
  • Email address
  • DOB
  • Viable debit or credit card
  • Phone number

A 10 dollars service charge is assessed for delayed payment, plus an additional 7 dollars if you are more than seven days overdue. Even before the first installment is due, Afterpay will SMS notify you.

8. Klarna

Klarna is a Swedish bank that provides worldwide consumers and merchants with financial services. By 2021, there were more than 121 million customers using Klarna, which was created in 2005. Over 400K online retailers are served by Klarna, which operates in 18 various countries.

Numerous well-known sites and applications, notably ASOS, Nike, H&M, and Sephora, let you pay with Klarna. Due to its extensive selection of payment methods, Klarna is ranked highly on this list of the finest BNPL websites and applications.

Payment Methods

  • Pay in 4″ option
  • When you choose the “Pay in 4” option, Klarna doesn’t perform a hard credit check. Utilize this choice to break up any expenditures into smaller installments.
  • There are no interest fees associated with this option, and you can pay online from the app from any location. There is a $7 penalty for paying late.


The “Pay-in-30-Days” option is the second choice. When you’re strapped for cash, it enables you to take advantage of temporary discounts and promotions and pay when you get paid. If there is a better financing option available for the items in your cart, Klarna will also let you know.

For instance, no other BNPL app offers a 36-month payback schedule. The three-year agreement has an APR of 0–24.95 percent but is best for expensive items.

9. Perpay

With Perpay’s buy-now-pay-later program, you can divide your transaction into 12 equally spaced, interest-free monthly installments. It enables you to divide the cost of large purchases into manageable installments from your salary, making asset accumulation more feasible.

The remainder of your paycheck’s planned monthly payments is then withheld by Perpay. It differs from other BNPL websites in that it does not accepts debit or credit cards. Consequently:

  • Users who are currently in bankruptcy are not served by Perpay.
  • Only users who are employed and make at least $15,000 a year are supported by Perpay.
  • Users must have active mobile phone numbers in order to utilize Perpay.

This fintech business with headquarters in Philadelphia doesn’t run rigorous credit card inspections or send credit agency reports to Experian and Equifax unless it raises your ratings. Perpay will never have a negative impact on your credit ratings.

10. Splitit


By increasing the shopping experiences via monthly installments, this financial business enables shops, retailers, and entrepreneurs to reach more customers. It neither collects user information nor siphons away customers from businesses.


  • First, you need to be registered with the Split It service by signing up for their site.
  • You simply need to connect your debit or credit to your wallet after creating one.
  • Once everything is set up, you may begin making purchases at any brick-and-mortar or online store that accepts Splitit.
  • When you’re on the checkout page, choose Splitit as your form of payment.

There are no interest payments or strict credit checks with this fintech business. On both Android and iOS smartphones, the Splitit app is freely available. You don’t need to apply because approval happens immediately.

FAQ About Buy Now Pay Later Phones No Credit Check

What phone company does not run a credit check?

Several phone companies may not run a credit check, but they are typically smaller companies that offer prepaid or pay-as-you-go plans. With those companies, you can get 0 down phones no credit check easily.

Can I get a phone now and pay later?

There are a few phone companies that offer to finance or delayed payment options. Typically, these plans require a credit check and may have higher interest rates. Be sure to read the terms and conditions carefully before signing up for any financing plan.

How do you get a cell phone with no credit and no deposit?

You may be able to find a pay-as-you-go or prepaid cell phone plan that does not require a credit check or deposit. However, these plans typically have limited minutes, data, and features.

Final Verdict

You can go for buy now pay later phones no credit check from these companies or providers. These companies usually require some type of down payment or initial charge in order to set up a service. Even though they may not run a credit check, they may still require some type of proof of income or employment.

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