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

Many people are looking for bad credit iPhone financing but don’t want to go through the hassle of a credit check. 

It can be tough to find a place that offers bad credit iPhone financing without a credit check, but we’ve done the hard work for you.

Check out our list of the top 7 places that offer this type of financing. You’re sure to find a lender that meets your needs.

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

A few financial institutions offer bad credit iPhone financing without a credit check. Here are the top 7 places to go:


If you have bad 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 a low credit score, you may still be able to get approved.

Rent-2-Own also offers free delivery and returns, as well as 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 bad credit iPhone financing 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 to finance 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.

If you’re looking for an affordable way to get bad credit iPhone financing, RentDelite is an excellent option. You can apply online or over the phone, and they will work with you to find a payment plan that fits your budget.


FlexShopper is another of them. 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. All you have to do is provide some basic information, including your name, email address, and phone number. You’ll also be asked to provide information about your income and employment status. 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.


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 bad credit iPhone financing. We 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. Apply today and get approved in minutes!


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, so you can 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. So what are you waiting for? Apply today and get started on your new iPhone!


The last option on our list is that of Barclaycard. This company provides iPhone financing to people with bad 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 a good credit score, 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 that everyone deserves a chance to own the phone they want, regardless of their credit history. That’s why they offer to finance for people with bad credit, no credit, or even 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.

So if you’re looking for a way to finance your new iPhone, Upstart is the perfect solution. Apply today and be on your way to owning the phone of your dreams!

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 score. 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.

Customers can select and purchase items without fear of a credit check. The service or product’s quality will not be compromised, but you will be required to pay within two months.

How to Get An iPhone With Bad Credit?

You can get an iPhone with bad credit through Rent-2-Own or RentDelite. These services allow you to pay for your phone in monthly installments, and they don’t run a credit check.

Rent-2-Own is a service that allows you to rent electronics, furniture, and appliances. You can pay for your items in monthly installments, and you don’t need to have a credit check.

RentDelite is a similar service that allows you to rent smartphones. You can pay for your phone in monthly installments, and you don’t need to have a credit check.

Frequently Asked Questions

Is it possible to get an iPhone with bad credit?

Yes, you can get an iPhone with bad credit. 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 put a higher down payment on the phone. 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 your 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 for 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.


Whether you’re looking for a new or used iPhone, it’s important to find the best deal. And if you have bad credit or no credit, don’t worry – there are still plenty of places that will work with you.

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 score at the same time!

Rent-2-Own is a lending company that offers iPhone financing for people with bad credit. 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 bad credit iPhone financing, there are plenty of places that will work with you. Just be sure to do your research and compare offers before you make a decision.

James Allen is a Certified Financial Education Instructor (CFEI), financial advisor, and Certified Public Accountant (CPA).

He created BillPin to give people the financial tools they need to make more informed financial decisions.

After listening to his mother tell stories about her frugal upbringing and his own experiences working as a financial advisor for almost two decades, James is on a mission to help people change their relationship with money.

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