Need Bad Credit Iphone Financing With No Credit Check

Need Bad Credit iPhone Financing with No Credit Check? Top 7 Places that Actually Work!

⚡ You can get a new iPhone with bad credit through financing options that don't require a credit check. Some carriers offer lease agreements, installment plans, or no credit check financing. Another option is to buy a refurbished device or trade in your old phone for a discount.

Looking for iPhone financing, no credit check required?

You’re not alone.

Many people face this same issue when trying to finance a new device.

But don’t worry; solutions are available that offer financing without the need for a credit check or the ability to work with bad credit. In this article, we will explore these options and provide you with the information you need to make an informed decision.

So, if you’re in the market for a new phone, keep reading to learn about iPhone financing options that don’t require a credit check.

📢 Key Takeaways for How to Get an iPhone with Bad Credit
Short on time? Here’s what you need to understand from this article:
  • Your credit score affects your ability to finance an iPhone. A score of 600 or higher is required for most financing options, while some may offer financing without a credit check.
  • Applying for iPhone financing can result in a hard inquiry on your credit report, which can lower your score. However, the impact is usually minor and temporary.
  • Other factors that lenders consider when offering iPhone financing include your payment history, the length of your credit history, the amount of credit you owe, and your income. It’s important to understand these factors and how they affect your creditworthiness.

Best Places For iPhone Financing No Credit Check (Low Monthly Payment Plans)

A few financial institutions will work with you to get a new iPhone; no credit check is needed. Others will check your credit, but they work with people with low credit.

Here are the top 7 places to go.


If you have poor credit and are looking for a way to finance an iPhone, Rent-2-Own may be a good option for you.

This company offers no credit check financing on smartphones and other electronics, which means that even if you have low credit, you may still be able to get approved.

Rent-2-Own offers free delivery, returns, and a 14-day price match guarantee.

So if you find a lower price on the identical product elsewhere, they will refund the difference. In addition, their 24/7 customer service team is available to help with any questions or problems you may have.


RentDelite is a company that offers to finance to those who may not qualify for other types of financing.

This can be an excellent option for those who need a new iPhone but don’t have the cash to purchase one outright.

RentDelite offers financing for iPhones and other devices, and they have a variety of repayment options available to fit your needs. They also offer free shipping on all orders, so you can get your new device without having to leave your home.

You can apply online or over the phone, and they will work with you to find a payment plan that fits your budget.


This company has a remarkable history of supporting customers with poor credit ratings and helping them get the phones they need and want.

The process of getting approved for financing with FlexShopper is simple. You must provide basic information, including your name, email address, and phone number. You’ll also be asked to provide your income and employment status information. Once you submit this information, a customer service representative will review it and contact you within 24 hours to let you know whether or not you’ve been approved for financing.

Once you are approved, the first payment is due at signing, followed by weekly payments to complete the lease. You can choose to pay off your phone over time or in full, and there are no penalties for early payment.

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SmartPay will break down the product’s original cost into small, affordable monthly payments that work with your budget. You can also use SmartPay to finance a wide range of other products and services, including vacations, weddings, and home improvements.

SmartPay is a leading provider of iPhone financing. They work with many merchants to bring you the best financing options possible. Whether you’re looking for a new iPhone or want to finance another purchase, SmartPay has you covered.


Gazelle is a dedicated iPhone-financing service that offers affordable monthly payments on the latest Apple products. With Gazelle, you can get approved for financing in minutes, and your new iPhone will be shipped right to your door.

Gazelle also offers a 30-day risk-free return policy to try out your new iPhone and see if it’s the right fit for you. And if you ever have any questions or concerns, Gazelle’s customer service team is always happy to help.


The last option on our list is that of Barclaycard. This company provides iPhone financing to people with lousy credit, and it can be a great way to get the device you want without having to worry about your credit score.

However, it’s important to note that Barclaycard does have some pretty strict eligibility requirements. To be approved for financing through this company, you’ll need to have better credit than with a lot of the other options listed here, and you’ll also need to be able to demonstrate that you can afford the monthly payments.

If you meet those requirements, though, Barclaycard can be a great way to get your hands on an iPhone even if your credit isn’t perfect. believes everyone deserves a chance to own the phone they want, regardless of their credit. That’s why they offer to finance people with low credit, no credit, or a recent bankruptcy.

Their simple online application process only takes a few minutes to complete, and you can get approved for up to $5,000 in minutes. Plus, there are no hidden fees or compounding interest rates – you’ll know exactly what your payments will be from the start.

Does Apple Company Itself Support Bad Credit iPhone Financing?

This is a crucial question that may have arisen in your mind as a reader as soon as you began reading our article.

Apple does provide iPhone financing.

In fact, it looks past your credit. It offers direct financial assistance, allowing customers to buy phones and other products as long as they can pay the amount within the agreed-upon leasing period.

Apple’s financing program is designed to assist customers with limited financial resources in purchasing Apple products, so you can create an iPhone payment plan that works with your budget.

What are the Usual iPhone Payment Plans, and How Do They Work?

So, you need a new iPhone but don’t want to pay the full retail price upfront.

The good news is that there are several financing options available to you!

The most common method is to buy the phone through your carrier, where you’ll typically be required to make a down payment and then pay monthly installments for up to 36 months to cover the remaining balance. Some carriers may not require a down payment, but you’ll still need to pay taxes upfront.

Another option is to use a buy-now-pay-later platform like Affirm or Klarna, although you’ll want to be aware that you may be limited to refurbished devices.

If you choose to buy directly from Apple, you can opt for the traditional Apple Card or Apple Card Monthly Installments, which offers interest-free financing with fixed monthly payments. Plus, with Apple Card, you’ll earn 3 percent cash back on Apple purchases!

And don’t forget; you can trade in your old iPhone to get a discount on the retail price.

How to Get An iPhone With Bad Credit?

You may wonder how to make it happen if you have poor credit but need a new phone. While qualifying for financing or leasing options may be more challenging, several ways exist to get an iPhone despite less-than-perfect credit.

First, assess your credit score, payment history, length of credit history, and amount of available credit to understand where you stand. Then, consider your options for financing or leasing a new phone, such as carrier financing, Apple Card Monthly Installments, or buy-now-pay-later platforms like Affirm or Klarna.

Depending on the option you choose, you may need to make a down payment, trade-in your old phone, or opt for a refurbished device. It’s also worth considering a lease term rather than a purchase or bringing on a co-signer to improve your chances of approval.

By exploring your options and taking steps to improve your credit, you can still get the iPhone you need, even with less-than-perfect credit.

Factors Cell Phone Companies Consider When You Apply

Cell phone companies (any lender) look at more than just your credit score. What other factors come into play?

If you’re looking for no credit check iPhone financing, odds are good that your credit is less than perfect. Here are some factors to consider ahead of time to know where you’re at with your credit before applying.

Credit Score

Your credit score is crucial in determining whether you qualify for financing or leasing options for a new iPhone. If your score is on the lower end, you may face more challenges in securing a payment plan or may need to make a larger down payment.

While there are still options out there, the lower your score, the more difficult it may be to find a good deal.

Payment History

Your payment history is critical in determining your creditworthiness and ability to finance or lease a new iPhone. Late payments, collection accounts, and charged-off accounts can all indicate to lenders that you are a higher-risk borrower.

Length of Credit History

The history of your credit plays a significant role in your ability to finance a new iPhone, and the length of time you’ve had credit is an essential factor that lenders consider. A longer history shows you have a track record of responsible borrowing and are a lower-risk borrower.

Amount of Credit

When applying for credit, the amount of credit you owe lenders and creditors is an essential factor that is taken into consideration. It’s not just the amount you owe but also whether or not it’s acceptable compared to your income.

If you’re overextended, meaning you owe more than you can afford to pay back, it can negatively affect your credit.

On the other hand, if you owe a manageable amount you can easily pay back, it shows that you’re responsible with your finances and can positively impact your credit. Remembering your debt-to-income ratio when applying for credit is vital to ensure you’re not overextending yourself financially.

What Credit Score Do You Need to Finance an iPhone?

Are you wondering if your credit score is high enough to finance an iPhone?

Well, a score below 600 could potentially be problematic, but not necessarily the end of the road. With the national average at 716 and nearly half of Americans having a score of 750 or higher, most lenders consider a 600 score very good.

Look at the companies detailed at the beginning of this article to explore the credit requirements and soak in some tips on taking advantage of payment plans and installment agreements. Keep in mind that restrictions may apply, there may be additional requirements you’ll need to meet, and you’ll want to ensure your old phone is in good condition to get the best deal.

Will a Financing Application Affect Your Credit Score?

When you apply for financing to purchase an iPhone, the lender or carrier will likely run a credit check on you. This type of credit check is known as a hard inquiry and can impact your credit. However, the impact is usually temporary and minor, especially if you have other strong credit factors besides your numbered score.

Hard inquiries can temporarily lower your credit by a few points, but this impact typically lasts only a few months. The good news is that hard inquiries fall off your credit report within two years, so their impact is short-lived.

It’s worth noting that the impact of a hard inquiry on your credit can vary depending on your overall credit profile. A hard inquiry could significantly impact your credit score if you have a limited history or a low credit.

Overall, while applying for financing for an iPhone could impact your credit score, it’s usually a minor and short-term impact. If you have good credit and solid credit history, you can apply for financing with confidence that it won’t significantly impact your credit.

Takeaway on Financing Options for iPhones

Whether you’re looking for a new or used iPhone, finding the best deal is essential. And if you have lousy credit or no credit, don’t worry – plenty of places will work with you even if you don’t have a good credit score.

We’ve compiled a list of the top seven places that offer financing without a credit check, so you can get the phone you want and improve your credit at the same time!

Rent-2-Own is a lending company that offers iPhone financing for people with credit struggles. You can apply for a rent-to-own agreement online, and you will be approved if you have a valid ID and proof of income.

We hope this article was helpful and informative. And don’t forget, if you’re looking for iPhone financing, plenty of places will work for you. Just be sure to do your research and compare offers before you make a decision.

Frequently Asked Questions

Is it possible to get an iPhone with bad credit?

Yes, you can get an iPhone, bad credit or not. However, the terms of your contract will likely be less favorable than if you had good credit. For example, you may be required to pay a higher interest rate on your phone or may have to pay a higher down payment. You may also be unable to get a contract that offers device protection or insurance.

When applying for iPhone financing with Apple, what credit score is required?

Apple typically approves applicants who have a credit score of 600 or higher. However, it’s important to note that your credit score is just one factor the company considers when making a lending decision. Apple may look at other factors, including income, debt-to-income ratio, and credit or debit card history. So even if you don’t have a 600 credit score, you may still be able to get approved for iPhone financing if you meet the other eligibility requirements.

How long will it take for iPhone financing to be approved?

Typically, you can get it within 7 to 10 business days. You’ll need to provide your Social Security number, date of birth, and employment information.

Is it possible to get iPhone financing if you don’t have a bank account?

Yes, it is possible to get iPhone financing if you don’t have a bank account. There are a number of companies that offer to finance mobile devices, and some of them do not require a bank account.

For example, Gazelle offers financing for iPhones without a bank account. You can apply for financing through Gazelle by filling out a short application form on their website. Once your application is approved, you will be able to pay for your iPhone in monthly installments.

James Allen, a finance enthusiast with 10+ years of experience, founded Billpin in 2020 to demystify personal finance. Inspired by his mother’s frugality and his own financial expertise, James aims to transform people’s relationship with money. Through this site, he provides easy-to-understand guides, empowering individuals to manage their finances effectively and take control of their financial future.

Content Disclaimer: Opinions expressed here are the authors alone, not those of any companies mentioned, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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