The 21 Best Buy Now Pay Later Unlocked Cell Phones

To buy an unlocked cell phone with BNPL, simply choose a BNPL provider, get approved for a BNPL account, and find an unlocked cell phone to buy. At checkout, select your BNPL provider as your payment method and make your payments according to the terms of your loan agreement.

What is Buy Now, Pay Later?

Buy Now, Pay Later (BNPL) is a type of financing that allows you to purchase goods or services and pay for them in installments over a period of time, typically 4-6 weeks. BNPL is a popular option for people who want to avoid paying interest on credit card purchases, or who don’t have the cash upfront to afford a large purchase.

List of The 21 Best Buy Now Pay Later Unlocked Cell Phones

  1. Apple iPhone 14 Pro Max
  2. Samsung Galaxy S23 Ultra
  3. Google Pixel 7 Pro
  4. OnePlus 11 Pro
  5. Motorola Edge+ (2023)
  6. Sony Xperia 1 IV
  7. Asus ROG Phone 6 Pro
  8. Xiaomi 12S Ultra
  9. Nubia Red Magic 7S Pro
  10. Black Shark 5 Pro
  11. Fairphone 4
  12. Teracube 2e
  13. Doogee S99
  14. Ulefone Armor 16 Pro
  15. Oukitel WP20 Pro
  16. Nomu S50 Pro
  17. AGM A10 Pro
  18. Blackview BL8800 Pro
  19. Doogee V20
  20. Doogee V20
  21. Ulefone Power Armor 18T

The 19 best Buy Now Pay Later Unlocked Cell Phone Providers 

  1. Affirm
  2. Afterpay
  3. Amazon Pay
  4. Apple Pay Later
  5. Best Buy
  6. Klarna
  7. PayPal Credit
  8. Sezzle
  9. Splitit
  10. Uplift
  11. Zebit
  12. Acima
  13. Aarons
  14. ElectroFinance
  15. FlexShopper
  16. Katapult
  17. LeaseTrader
  18. Progressive Leasing
  19. Rent-A-Center

How to Buy an Unlocked Cell Phone with BNPL

To buy an unlocked cell phone with buy now, pay later (BNPL), you can follow these steps:

  1. Choose a BNPL provider: There are a number of BNPL providers to choose from, such as Afterpay, Affirm, Klarna, and Zip. Each provider has its own terms and conditions, so be sure to compare them before you choose one.
  2. Find an unlocked cell phone retailer: Many online and brick-and-mortar retailers sell unlocked cell phones. When you’re shopping for a phone, be sure to verify that it is unlocked and compatible with your carrier’s network.
  3. Add the phone to your cart and proceed to checkout: At checkout, select the BNPL provider that you want to use. You may be asked to provide some personal information, such as your name, address, and phone number.
  4. Complete the BNPL application: Once you’ve selected your BNPL provider, you’ll need to complete an application. This application will typically ask for your credit score and income information.
  5. Review and accept the terms and conditions: Once you’ve completed the application, you’ll need to review and accept the BNPL terms and conditions. Be sure to read the terms carefully before you agree to them.
  6. Place your order: Once you’ve accepted the terms and conditions, you can place your order. Your phone will typically be shipped within a few days.

Benefits of Buying Unlocked Cell Phones with BNPL

  • Affordability: BNPL plans can make it more affordable to buy an unlocked cell phone, especially if you’re on a budget. You can break up the cost of the phone over several payments, which can be easier to manage than paying for it all upfront.
  • Flexibility: BNPL plans typically offer a lot of flexibility in terms of payment terms. You can choose a plan that fits your budget and needs.
  • No credit check: Many BNPL providers don’t require a credit check to be approved. This is a good option for people with bad credit or no credit history.
  • Wide selection of phones: You can use BNPL to buy unlocked cell phones from a variety of retailers, including online retailers, brick-and-mortar stores, and mobile carriers.
  • Lower monthly bills: Unlocked cell phones often have lower monthly bills than locked phones. This is because you are not locked into a contract with a specific carrier.
  • More freedom to switch carriers: If you are not satisfied with your current carrier, you can easily switch to a different carrier with an unlocked phone.
  • International travel: Unlocked cell phones are ideal for international travel. This is because you can use them with SIM cards from different countries.

Factors to consider when choosing a BNPL Unlocked Cell Phone

  • Price: Unlocked cell phones can be more expensive than locked phones, but they offer more flexibility and freedom. BNPL plans can make it easier to afford an unlocked phone by breaking up the cost into smaller payments. However, it is important to compare BNPL plans carefully to find one that has low interest rates and fees.
  • Features: Unlocked cell phones offer a variety of features, such as high-resolution cameras, powerful processors, and long-lasting batteries. When choosing a phone, it is important to consider the features that are most important to you.
  • Compatibility: Unlocked cell phones are compatible with most carriers, but it is important to check the compatibility of the phone with the carrier you plan to use. You can also check the compatibility of the phone with the BNPL plan you are considering.
  • Terms of the BNPL plan: BNPL plans offer different interest rates, fees, and payment terms. It is important to read the terms carefully before choosing a plan. Make sure that you can afford to make the monthly payments and that the interest rates and fees are acceptable to you.
  • Reputation of the BNPL provider: It is important to choose a BNPL provider with a good reputation. You can read reviews of different providers online to get an idea of their customer service and reputation.

Conclusion

Buying an unlocked cell phone with a BNPL plan can be a great way to get the phone you want without breaking the bank. Just be sure to shop around and compare plans, read the terms carefully, and make your payments on time.

Frequently Asked Questions (FAQ)

Can you buy an unlocked phone without a plan?

Yes, you can buy an unlocked phone without a plan. Unlocked phones are not tied to any carrier, so you can use them with any carrier that you choose. You can buy unlocked phones from a variety of retailers, including online retailers, brick-and-mortar stores, and mobile carriers.

Can I Buy Now Pay Later Unlocked Cell Phones No Credit Check

Yes, you can buy now, pay later unlocked cell phones with no credit check. There are a number of BNPL providers that offer this option, including: Affirm, Afterpay, Klarna, Zebit, Sezzle, QuadPay, Perpay, Laybuy, PayPal Credit and Amazon Pay Monthly.

Can I buy a mobile phone with Humm?

Yes, you can buy a mobile phone with Humm. Humm is a BNPL provider that offers a variety of plans, including plans for mobile phones. To buy a mobile phone with Humm, you will need to be approved for a Humm account. Once you are approved, you can use your Humm account to purchase a mobile phone from a retailer. You will then need to make monthly payments to Humm to pay off the loan.

Can I buy a phone on Zippay?

Yes, you can buy a phone on Zippay. Zippay is a BNPL provider that offers a variety of plans, including plans for mobile phones. To buy a phone on Zippay, you will need to be approved for a Zippay account. Once you are approved, you can use your Zippay account to purchase a mobile phone from a retailer. You will then need to make monthly payments to Zippay to pay off the loan.

What credit score do I need for ZipPay?

Zippay does not require a minimum credit score to be approved for an account. However, Zippay may consider your credit score when determining your loan amount and interest rate.

What is the best BNPL plan for buying an unlocked cell phone?

The best BNPL plan for buying an unlocked cell phone will depend on your individual circumstances and needs. It is important to compare different BNPL plans to find one that has low interest rates and fees, and that fits your budget and needs.

Can I use a BNPL plan to buy an unlocked cell phone from any retailer?

No, not all retailers accept BNPL payments. However, most major retailers accept BNPL payments. You can check the website of the retailer you are interested in buying from to see if they accept BNPL payments.

What are the risks of using a BNPL plan to buy an unlocked cell phone?

The main risk of using a BNPL plan to buy an unlocked cell phone is that you may be charged interest and fees. It is important to read the terms of the BNPL plan carefully before signing up to make sure that you understand the interest rates, fees, and payment terms.