Having a credit card is an essential part of society. It can get you anything from plane tickets to toothpaste, but it may also get you into trouble if not used wisely. If you cannot get approved for a phone line because of bad credit, some workarounds may help you access the latest technology your heart desires. Here are different ways on how to finance a phone without having a credit check done.
1) Use a prepaid phone line
One of the biggest ways to get approved for a phone with bad credit is using a prepaid phone line. Many different prepaid companies will allow you to obtain credit without needing any sort of checking done on your past spending habits. There are no contracts involved with this method, so it gives you the freedom to leave whenever you feel like it. All you have to do is go online or go into the store and purchase minutes for however long you want them for. This is the cheapest way to finance a phone if you can’t get it approved by traditional means.
2) Use an installment plan
This has become more popular in recent years because it was once only used for higher-priced furniture and tablets. This allows you to pay for your phone in monthly increments, which is better than paying for it all at once and financing the phone’s full price. With this method, there are typically three different payment options that you can choose from depending on how much money you make per month.
3) Lease a phone
Leasing a phone is becoming very popular, especially because most carriers do not offer installment plans on their more expensive phones. You are paying for an upgraded version of a go phone, where you can stream videos faster or have larger memory space on your device. Once your lease is up after two years, all you have to do is give them back their old model and upgrade again for free.
4) Get a refurbished phone
With this method, you will be able to save money because it is an old model that has been fixed and updated with the most recent software installed. It works like new and has all of the features you would find on a brand-new device. Since most refurbished phones are previous models, they come at a lower price than what you would be paying for a new one. You can also ask for an additional discount if purchasing multiple accessories such as headphones or cases.
5) Lease your phone with a carrier and buy it back from them after your lease is up
This way allows you to put money down before they start billing you monthly, but you won’t be the owner of the phone until your lease is up. If you are looking to upgrade in a year, then this method is perfect for you. You will be able to get new phones every year by only paying the fees associated with getting them shipped back to them after your lease is up.
6) Ask for help from friends and family members
If you have good relationships with people who are willing to help you out when in need, they will most likely be able to hook you up with one of the old phones they no longer use. This way, if anything happens to it or they want an upgrade, all they have to do is go online and sign in to their account on their current mobile carrier site. They can easily swap their old phone for a new one, and you will get access to everything their phone has without needing to be approved.
7) Ask your current carrier if they have any discounted phones or upgrade offers available
This is something that most people fail to take advantage of, especially if they are currently happy with their current service provider. By asking them this question, it could lead to getting a free upgrade on your phone because you were loyal enough to stick around throughout the years. If that doesn’t work, there may still be options available that can help you finance a phone without going through a credit check.
8) Ask for leniency from your carrier when upgrading early
Some carriers allow customers who have been with them longer than two years to get an early upgrade if they are in good standings with them. This early upgrade promotion is usually advertised around the holidays. It could give you access to a new phone without having to wait until your contract is an up or financial commitment.
9) Purchase a prepaid phone and pay for monthly service
This option gives you the option of purchasing one of their more expensive phones at full price while committing yourself to pay for service every month. The main benefits of this method are that customers can choose from multiple minutes, text messages, and data plans depending on how much money they want or need each month. If you don’t use all of the features very often, then this would be fine as long as you don’t mind paying extra fees when using them.
Conclusion:
You can finance a phone without credit by using the latest technology. The best cell phones are now available for purchase online, with financing plans that do not require you to have good or bad credit. Once you find one that works for you, just apply on our secure website and get started. There are many options out there, and it is well worth your time to explore them all before making any decisions about buying a new phone.