Top 10 Best Buy Now Pay Later Unlocked Cell Phones in 2020

Let’s face it; most smartphones cost a premium. And a cellphone is a significant gadget in nearly every aspect of our lives. Most of us can’t raise the full amount to pay for a phone upfront. While you can finance your new smartphone through mobile carriers, the high-interest rates will make you reconsider that decision. Besides, the plan would lock you to the provider’s services until you clear payments. It means you can’t switch to an affordable operator like Simple Mobile prepaid plans. However, there are companies offering buy now pay later unlocked cell phones. It’s a credit facility where you get a phone and delay its payments with minimal interest and no credit checks.

Bad credit can be a major hindrance to signing a cellphone contract with most providers. The majority of companies will check your credit score to be sure you’ll make regular payments for the financed product. Now, bad credit is a history of failing to pay debts according to the credit terms, in which case credit bureaus will blacklist you for future loans. But imagine an opportunity to purchase your favorite device with no deposit and pay for it down the road without credit checks. You can get such deals through buy now pay later phones no deposit providers.

There are tons of buy now pay later sites from which you can get financing for your preferred smartphone with zero upfront payment. But all providers are not created equal. Some retailers who provide terrific smartphone financing deals, for instance, will check your credit score. You can only get guaranteed phone finance through buy now pay later cell phones no credit check companies. So in this article, we’ll list the best buy now pay later unlocked cell phones you can get without worrying about your credit report. We will also highlight a few of the sites to apply for bad credit phone financing.

Buy Now Pay Later Unlocked Cell Phones: Everything You Should Know

You have failed to pay your debts or credit and are now looking at poor credit scores. And while you desperately need a new phone, you don’t have the resources to pay outright. All cellphone financing companies are declining to open a new line of credit because of your creditworthiness. Well, you can begin by checking these best affordable family dollar cell phones.

If the above resource doesn’t have your preferred smartphone, we have other options. You can still get the gadget you desire with buy now pay later unlocked cell phones. With these deals, non-credit check phone retailers will accept your application even with a poor credit score. What’s more, is that you won’t be paying any cash upfront.

A deal from these programs means you can check out and get the phone instantly with no deposit and get to spread out its payments. We are talking about buy now pay later phones USA companies. You’ll get a good smartphone made in the United States, which can sometimes include a protection plan plus coverage for accidental coverage.

Apple iPhone Financing Program

Talking of USA companies, did you know that Apple provides direct financing for bad credit customers? Owning one of Apple devices is now easy, regardless of your credit ratings. That’s because the mobile manufacturer gives direct financial assistance to customers without looking at their poor credit. So, if you’re wondering, “can I get a buy now pay later iPhone deal?” The answer is yes. Simply browse for their Rent to Own iPhone No Credit Check program to begin your application. You’ll purchase the handset you desire and make installment payments within the agreed leasing period.

Your lease duration will depend on various factors, including:

  • The product cost
  • The iPhone seller
  • The product quality

In most situations, you will have to pay for the item in one or two months.

How To Apply For iPhone Financing From Apple

If you want to get the buy now pay later unlocked cell phones through Apple’s financing plan, you need to;

  1. Look For A Product Seller: Begin by searching online for a certified Apple retailer who stocks the phone you want. Alternatively, you can visit a participating physical store. You must confirm the price and leasing period before you settle on a seller.
  2. Fill Out The Application Form: The retailer will give you an application form to fill in your details plus information on the item you need to purchase on credit.
  3. Seek Approval: The iPhone retailer will submit the application to see your eligibility. The process involves determining product financing information.
  4. Sign the Contract: After approval, you will receive the phone and sign an agreement. The contract specifies your payment duration as well as the total amount.

We will give a list later in this post to some of the best buy now pay later retailers for iPhones and other phone brands.

Top 10 Best Buy Now Pay Later Unlocked Cell Phones

Buy Now Pay Later Unlocked Cell Phones

1

Apple iPhone 11 Pro Max

Get your hands on this unlocked gadget from Apple that will deliver a transformative three-way camera system with lots of capabilities. This iPhone 11 Pro Max is the 64-Gig version with a 6.5-inch screen, a 12-MP rear-facing camera, a 12-MP selfie camera, an A13 Bionic Chip, and a 3969 mAh non-removable Li-ion battery.

$1,259.99
$1,089.99  in stock
3 new from $1,089.99
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • Unlocked model
  • Up to 36 integrated apps
  • Water, splash, and dust resistant
  • Face ID
  • Wireless + USB charging
  • Wi-Fi capable
  • Apple Pay
  • LTE compatible
  • 4K, 1080-Pixel, 720-Pixel all HD video
  • Bluetooth 5.0
  • iOS 13 operating system



PROS:

  • Two-year protection
  • Decent cameras
  • Coverage for accidental damages
  • Comes with Apple AirPods
  • A wireless charging case


CONS:

  • Non-expandable memory


2

Apple iPhone XR

Enhance your phone experience with this iPhone XR with great performance and excellent battery life. This iPhone XR is the 128-Gig version with a 6.1-inch screen, a 12-MP rear-facing camera, a 7-MP selfie camera, an A12 Bionic Chip, and a 2942 mAh non-removable Li-ion battery.

$599.00  in stock
1 new from $599.00
Free shipping
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • Unlocked model
  • Water, splash, and dust resistant
  • Face ID
  • LTE compatible
  • Siri access
  • 4K, 720-Pixel, & 1080-Pixel HD video
  • Wireless + USB charging
  • Wi-Fi capable
  • Bluetooth 5.0
  • Up to 36 built-in apps
  • iOS 12 operating system



PROS:

  • Apple Pay
  • Two-year protection
  • Coverage for accidental damages
  • Comes with Apple AirPods
  • A wireless charging case


CONS:

  • Small battery capacity


3

Samsung Galaxy S20+

The Samsung Galaxy S20+ gives you the chance to capture professional-quality photos while talking to family and friends on your preferred cell phone plan. This S20+ is the 128-Gig version with a 6.7-inch screen, a triple rear-facing camera up to 108-MP, a 40-MP selfie camera, a Qualcomm Snapdragon 865 processor, and a 4,500 mAh Li-ion battery.

$735.00  in stock
9 new from $735.00
1 used from $684.99
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • 5G compatible
  • Unlocked model
  • Supports LTE connections
  • IP68 rating
  • Face ID
  • Fingerprint ID
  • Wi-Fi compatible
  • Triple HD video recording resolution modes
  • Bluetooth 5.0
  • Wireless PowerShare
  • Android 10 operating system
  • Maximum 100x camera zoom



PROS:

  • Outstanding camera quality
  • Two-year protection
  • Excellent battery capacity
  • 5G internet speeds
  • Coverage for accidental damages
  • 4K UHD videos
  • Fast battery charging


CONS:

  • Can be costly for the average consumer


4

Samsung Galaxy Z Flip

Keep your social connections and boost productivity with this Samsung Galaxy Z Flip device. This Z Flip is the 256-Gig version with a 6.7-inch screen, 12-MP dual rear-facing camera, a 10-MP selfie camera, a Qualcomm Snapdragon 855+ octa-core processor, an 8-Gig RAM, and a 3,300 mAh Li-ion battery.

$1,239.00
$1,159.99  in stock
8 new from $1,159.99
2 used from $1,359.99
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • Unlocked model
  • USB C to USB C cord
  • IP68 rating
  • Flex mode
  • Fingerprint ID
  • Wi-Fi compatible
  • Bluetooth 5.0
  • Wireless PowerShare
  • Multi-active window
  • Android 10 operating system



PROS:

  • Up to thirty-six hours talk-time
  • Expandable internal storage
  • Can support multiple applications
  • Super-fast charging
  • 4G LTE internet
  • Decent cameras
  • Includes free USB C headphones
  • Works with any cellphone carrier


CONS:

  • Unreliable battery capacity


5

ZTE Unlocked Axon 7 Mini

The Axon 7 redefines the word mini with the sleek Max Axon 7 design but comes in a smaller, more compact make for the modern consumer. This Axon 7 Mini is the 32-Gig version with a 5.2-inch screen, 16-MP primary camera, an 8-MP selfie camera, a 1.5 GHz Quad-Core processor, a 3-Gig RAM, and a 2,705 mAh Li-ion battery.

$149.00  in stock
1 new from $149.00
2 used from $105.00
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • 4G LTE compatible
  • Fingerprint sensor
  • Dual speakers
  • 1080-P HD video recording
  • Up to 128 GB expandable storage
  • Two SIM card slots
  • Quick charge
  • Bluetooth 4.1
  • Wi-Fi compatible



PROS:

  • Excellent Hi-Fi audio
  • Slow motion camera
  • 90-minute battery charging
  • Fast internet speeds
  • Supports Wi-Fi calling
  • 30-minute charge for almost 7 hours talk time
  • You can choose any cellphone carrier.


CONS:

  • Low expandable memory capacity
  • Standard selfie camera


6

Apple iPhone 11

The iPhone 11 is Apple best device for those who need the power of a super-fast chip and dual-camera system. This iPhone 11 is the 64-Gig version with a 6.1-inch screen, a 12-MP rear-facing camera, a 12-MP selfie camera, an A13 Bionic Chip, and a 3,110 mAh non-removable Li-ion battery.

$734.49  in stock
4 new from $734.49
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • Unlocked model
  • USB Charging
  • Water, splash, and dust resistant
  • Face ID
  • LTE compatible
  • Siri access
  • 4K, 720-Pixel, & 1080-Pixel HD video
  • Wireless charging
  • Wi-Fi capable
  • Bluetooth 5.0
  • Up to 36 built-in apps
  • iOS 13 operating system



PROS:

  • Haptic touch system
  • Apple Pay
  • Liquid Retina high-definition display
  • Two-year protection
  • Coverage for accidental damages
  • Comes with Apple AirPods
  • A wireless charging case


CONS:

  • Small internal memory
  • Non-expandable memory


7

Samsung Galaxy Note 10+ Plus

Get this unlocked Samsung Galaxy Note 10+ that’ll elevate your watching experience with its cinema-quality display and almost invisible bezels. This Note 10+ is the 256-Gig version with a 6.8-inch screen, 12 MP + 12 MP + 16 MP primary camera, a 10-MP selfie camera, a Qualcomm Snapdragon 855+ octa-core processor, a 12-Gig RAM, and a 4,300 mAh Li-ion battery.

$697.18  in stock
2 new from $697.18
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • 16M in color depth
  • 4G LTE compatible
  • 4K UHD video recording
  • Android 9 Pie operating system
  • AUV protector film
  • Bluetooth 5.0
  • Dual-SIM model
  • Ejection pin
  • Fingerprint ID
  • Free AKG headset
  • IP68 rating
  • Super-fast charging technology
  • Travel charger
  • Unlocked model
  • USB cable
  • Wi-Fi compatible
  • Wireless Power Share



PROS:

  • Decent internal storage
  • Expandable internal storage
  • Outstanding all-day battery
  • Quick battery charging
  • Super-fast internet connection
  • Terrific RAM for multiple applications
  • Works with any cellphone carrier


CONS:

  • Low-quality selfie camera


8

Samsung Galaxy S10

You’ll get this Samsung Galaxy S10 if you are looking for a device with a slim and balanced design with more detail and a clear display. This S10 is the 128-Gig version with a 6.1-inch screen, 12 MP + 12 MP + 16 MP primary camera, a 10-MP selfie camera, a Qualcomm Snapdragon 855 octa-core processor, an 8-Gig RAM, and a 3,400 mAh Li-ion battery.

$441.61  in stock
10 new from $433.56
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • Free charging pad
  • Wireless Power Share
  • Wi-Fi compatible
  • USB cable
  • Unlocked model
  • Travel charger
  • Super-fast charging technology
  • IP68 rating
  • Free AKG headset
  • Fingerprint ID
  • Ejection pin
  • Dual SIM mode
  • Bluetooth 5.0
  • AUV protector film
  • Android 9 Pie operating system
  • 4K UHD video recording
  • 4G LTE compatible



PROS:

  • USB 3.0 technology
  • Qi and PMA wireless charging
  • Supports microSD card
  • Fast battery charging capability
  • Superior internet connection
  • Wi-Fi calling
  • Great RAM capacity
  • Supports any cellphone carrier


CONS:

  • A bit disappointing internal storage
  • Low-quality selfie camera


9

Samsung Galaxy S10E

The Samsung galaxy S10e takes you to the next level in smartphone technology with an immersive, uninterrupted content display. This S10e is the 128-Gig version with a 5.8-inch screen, 16 MP + 12 MP primary camera, a 10-MP selfie camera, a 1.9 GHz Octa-core, a 6-Gig RAM, and a 3,100 mAh Li-ion battery.

$599.99
$374.41  in stock
17 new from $374.26
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • Android 9 Pie operating system
  • Bluetooth 5.0
  • Dual Nano-SIM
  • Fingerprint ID
  • Free AKG headset
  • Free charging pad
  • IP68 rating
  • SIM ejection pin
  • Super-fast charging technology
  • Supports 4G LTE connections
  • Unlocked model
  • Up to 4K UHD video recording
  • Wi-Fi compatible
  • Wireless Power Share



PROS:

  • Works with Qi-certified products
  • External memory support
  • Quick battery power boost
  • Fast internet speeds
  • Supports Wi-Fi calling
  • Great for running multiple applications
  • You can choose any cellphone carrier.


CONS:

  • Low battery capacity compared to other models
  • Standard selfie camera


10

Honor 6X Smartphone

The Honor smartphone delivers a double dose for photo enthusiasts with its six time dual camera technology. This 6X is the 32-Gig version with a 5.5-inch screen, 12-MP + 2-MP primary camera, an 8-MP selfie camera, an EMUI 5.0 Octa-Core processor, a 3-Gig RAM, and a 3.340 mAh Li-ion battery.

$259.00  in stock
3 new from $259.00
Buy Now
Amazon.com
as of Aug 5, 2020 9:10 pm

Features

  • 4G LTE compatible
  • 5V/2A charging component
  • Metal body design
  • 3 seconds ultra-focus time
  • Dual-lens camera
  • Android 7.0 Nougat operating system
  • Dual SIM cards
  • Aluminum frame
  • Responsive touch technology
  • Bluetooth 4.1
  • Fingerprint sensor
  • 1080-P HD video recording



PROS:

  • Wi-Fi calling
  • Outstanding two-day usage battery
  • RAM supports multiple apps
  • Slim durable construction
  • 5D protective glass
  • Integrated eye comfort feature
  • Works with any mobile provider


CONS:

  • Standard selfie camera


Now that we’ve looked at the ten best buy now pay later unlocked cell phones let’s see some of the providers for these devices.

4 Best Online Stores With Buy Now Pay Later Unlocked Cell Phones

There are plenty of companies from which you can get buy now pay later unlocked cell phones. The following are non-credit checking online smartphone financing providers:

1. FlexShopper

Flexshopper is among the top rent to own financing firms allowing customers to purchase various products, including iPhones, Galaxy models, and other brands.

  • Upfront payment: $0 deposit
  • Payment schedules: Weekly, bi-monthly, or monthly
  • Finance Duration: 12 months

How To Qualify

  • Must be 18+ years
  • Must be a genuine US citizen
  • Have a consistent income of not less than $100 per month

How To Apply

  1. Read, understand, and accept the firm’s terms and conditions online
  2. Fill out and submit an online application form
  3. Select your best shipping method and wait for your phone
  4. Sign the financing contract upon receiving the cellphone

Visit FlexShopper

2. LeaseVille

Customers with financial challenges or bad credit history can get cellphone funding through LeaseVille. You’ll select your handset of choice and begin payments on a later date.

  • Upfront payment: $0 deposit
  • Payment schedules: Weekly, bi-monthly, or monthly
  • Finance Duration: 12 months

How To Qualify

  • Must be 18+ years
  • Have a social security number
  • Must be a genuine US citizen
  • Have a valid bank account
  • Have a consistent income

How To Apply

  1. Read, understand, and accept the firm’s terms and conditions online
  2. Fill out and submit an online application form
  3. Select your best shipping method and wait for your phone
  4. Sign the financing contract upon receiving the cellphone

Visit LeaseVille

3. RentDelite

RentDelite is another option for those seeking buy now pay later unlocked cell phones providers. You’ll find budget-friendly smartphones and iPhones with this lending firm.

  • Upfront payment: $0 deposit
  • Payment schedules: Weekly, bi-monthly, or monthly
  • Finance Duration: 12 months

How To Qualify

  • Must have a credit or debit card
  • Be 18+ years
  • Must have a job with steady income
  • Must have a valid email address

How To Apply

  1. Read, understand, and accept the firm’s terms and conditions online
  2. Fill out and submit an online application form
  3. Select your best shipping method and wait for your phone
  4. Sign the financing contract upon receiving the cellphone

Visit RentDelite

4. CashUSA

It is among the leading online lending platforms offering loans for smartphones as well as Apple devices. Here, the firm links bad credit customers who need financing assistance with reliable and affordable creditors.

  • Upfront payment: $0 going up depending on the creditor
  • Payment schedules: Can be weekly, bi-monthly, or monthly based on your creditor
  • Finance Duration: It will depend on the creditor’s terms

How To Qualify

  • You need to be 18+ years
  • You must show proof of employment and stable income
  • Have a genuine bank account

How To Apply

  1. Read, understand, and accept the firm’s terms and conditions online
  2. Fill out and submit an online application form
  3. Wait for a prospective creditor to approve your request
  4. The creditor will give you details of the lending duration, interest, and installments
  5. Select your best shipping method and wait for your phone
  6. Sign the financing contract upon receiving the cellphone

Visit CashUSA

There are hundreds of lending platforms supporting buy now pay later unlocked cell phones deals. It’s recommended that you use due diligence in your selection since different lenders have varying terms and conditions.

Frequently Asked Questions

1. Can you finance an unlocked phone?

Yes. Several companies allow customers to finance an unlocked cellphone with flexible terms. But you need to read the fine print and understand your obligations before joining one of these programs.

2. Can I buy a phone with Afterpay?

Yes. You can buy almost any phone with Afterpay. For example, many stores have Afterpay iPhones where you’ll get a new Apple device and spread your payment within eight weeks.

3. Can I buy a phone and pay monthly?

You can purchase a phone and pay monthly, bi-monthly, or even weekly. Different providers have different terms depending on the cost of the phone and allowed payment duration.

4. Can I finance a phone with bad credit?

Yes. Today, many companies are providing credit lines for customers with bad credit to finance phones and other gadgets. However, some of these financial services can include higher-than-average interest rates. You should trade with caution to avoid nasty surprises.

The Bottom Line

You can get a smartphone today by finding a reliable online lending site or a physical retailer. Keep in mind that some of these deals are not free. While there are plenty of financing firms for electronics and mobile phones, others will charge high-interest rates. It’s always smart to read each provider’s terms and conditions before you apply for buy now pay later unlocked cell phones. Regardless, BNPL programs offer an excellent way to secure a new phone if you don’t have the resources to pay for it outright. Moreover, an unlocked cellphone lets you choose the most affordable carrier. In this way, you can minimize cell phone plan costs, and save towards paying your loan.

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