Top 7 Straight Talk Phone Financing Plans In 2023

When you are wishing to buy a new cell phone there are a couple of ways you can choose to pay the payment of the purchased mobile phone. You can choose for paying the full price of the mobile phone at once within the initial period.

Otherwise, you can go for phone financing and it will allow you to pay the overall prices within a time frame of fixed months thus you don’t have to hurry for paying the price. 

Cell phone financing lets you make your money-saving further just by expanding at a balanced payment time. This makes your purchase more comfortable and convenient as well as lets you enhance your credit score.

If you are the one, who needs time to pay the total cell phone price, then cellphone financing is here for you. There are plenty of retailers and carriers who offer cell phone financing plans with different requirements and time scales. Today we will discuss one amongst them. 

Straight talk is an MVNO(mobile virtual network operator) carrier that usually offers cell phones at lower prices and great discounts. They also have cell phone offers latest phones with no contracts or any kind of hassling requirements. Here are some of the top Straight Talk Phone Financing Plans you can consider checking out.

Top 7 Best Straight Talk Phone Financing Plans 2023

It is pretty much unique from other providers since they don’t operate with any single-owned networks or carriers. They provide services from Verizon, T-Mobile, and AT&T thus they offer great and flexible phone plans and deals at no contract. Let’s look at some of the best Straight Talk No credit check cell phone financing Plans from Affirm. 

1.Straight Talk Samsung Galaxy A51 Cell phone

Straight Talk Samsung Galaxy A51 Cell phone

How it would feel if someone offers you the latest smartphone with all the best features even at a lower price rate payment option? Definitely, it will make you overwhelmed. Yes, Straight Talk Affirm offers you the Samsung Galaxy A51 smartphone with a pretty lower APR rate at a 12-month payment option.

Isn’t that great! Samsung Galaxy A51 phone financing at straight talk starts at just 22 dollars with a lower APR option for about 24 months long payment time frame.

Key Features Of Samsung Galaxy A51

  • Samsung Galaxy A51 has four rear cameras(48 MP main camera, 12 MP wide camera, and two 5 MP for Macro and depth sensor) for a pro shooting of images and videos
  • It has an Octa-Core Processor and comes with Exynos 980 chipset for smooth and stable usage for a longer time
  • For a day-long battery backup even after heavy usage, it has a non-removable 4500 mAh lithium polymer battery included
  • Tension is not about the storage as it has 4GB internal RAM and a 128 GB internal ROM for multitasking and faster gaming at once
  • With the 6.5 inches huge AMOLED display, you will be able to stream videos and movies with great pleasure as well as keep your eyes protected

If you go for this phone at a lower payment period, then they will offer you even better. In 12 months payment period option, you have to pay nearly 38 dollars per month and this includes no Annual Percentage Rate. Moreover, if you are looking for a shorter payment time frame for this cell phone, then you can choose the 6 months option instead.

In the 6-month payment option, you have to pay approximately 75 dollars per month and it also has a 0% APR. The Overall prices range of this Samsung Galaxy A51 is just 449 dollars without any APR’s.

2. Straight Talk Google Pixel 5 phone

Straight Talk Google Pixel 5 phone

From Straight Talk Phone Financing Plans, here we are introducing a super-fast 5G smartphone from a renowned company Google. Google is launching some of the best and competing smartphones in the marketplace from the initial period of its journey.

This is also the best-selling smartphone from Google as well as it is in the hype to the users. The starring price state of this  Google Pixel 5 is pretty much higher than the upper one, it is priced at 749 dollars in Straight Talk. Affirm comes with great deals for this Google Pixel 5 (5G) phone with a low to no Annual Percentage Rate.

Key Features Of Google Pixel 5

  • The Octa-core (1×2.4 GHz, 1×2.2 GHz, 6×1.8 GHz) Processor with Qualcomm Snapdragon 765G chipset for smooth and stable usage 
  • It has a 6.0 inches large FHD+ HDR10+ OLED with a transmissive hole (432 PPI) display that will let you stream whatever you want with great clarity
  • For stunning pro-level picture, it has 12.2 MP dual pixel, 16 MP ultrawide rear cameras, 8 MP front selfie punch hole camera
  • With the 4080 mAh non-removable Lithium Polymer battery, you will fly like a bird all day long even if you use heavily
  • Don’t worry about the storage as it has 8GB RAM and a 128 GB ROM for multitasking and more lasting gaming at once

Google Pixel 5 Phone financing at straight talk starts at just 36 dollars with a lower APR(15.15%) option for about 24 month long payment time frame. In 12 months payment period option, you have to pay nearly 63 dollars monthly and this includes no Annual Percentage Rate. Moreover, if you are looking for an even shorter payment time frame, then you can choose the 6 months option alternately. In the 6 month payment option, you have to pay approximately 125 dollars monthly and it also has a 0% APR.

3.Straight Talk Samsung Galaxy A71 cell phone

Straight Talk Samsung Galaxy A71 cell phone

Another latest and big screen smartphone from the popular mobile and tech device producing brand Samsung. This is a bit cheaper in the budget rate than the upper one as it has some of the best features you may have been waiting for eagerly.

Moreover, you won’t have to worry about the huge price range it has because with the Straight Talk Phone insurance plan you will be able to pay the total credit within your suitable or comfort zone time. They will make your desirable Galaxy A71 cell phone purchase a step easier since they don’t require any APR with the prices when you move for a shorter payment time.

Key Features Of Samsung Galaxy A71

  • Samsung Galaxy A71 has a huge Super AMOLED display of 6.7 inches and it ensures your entertainment at best as well as your eyes comfort
  • Take superb selfies with the 32 MP front selfie camera and shoot natural 4K(2160p) images with rear quad cameras( 64 MP main camera, 12 MP wide camera, and two 5 MP for Macro and depth cameras)
  • Has an Octa-core (2×2.2 GHz Cortex-A77 & 6×1.8 GHz Cortex A55) processor as well as the Exynos 980 chipset makes it even faster and smoother for day to day massive usage
  • Massive 6 GB RAM and 128 GB ROM make the operating faster and easier to keep more photos and videos
  • Last but not least, a bigger 4500 mAh battery will let you use it for a couple of days in standby modes within a single charge

If you are looking for an extended payment period of up to 24 months then you may have to pay a little extra in terms of the APR with the total payable amount. It starts at just 32 dollars for 24 months with a 15% Annual Percentage Rate. If you are willing to pay the total money within a 12 or 6 months time period then you may no have to pay extra APRs with the total.

If you go for 12 months then you have to pay 54 dollars and in 06 months period, you have to pay 108 dollars monthly.  The overall price tag is nearly 650 dollars for owning the 5G featured Samsung Galaxy A71 Smartphone.

4. Straight Talk Google Pixel 3A phone financing

Straight Talk Google Pixel 3A phone financing

Again this is a Google Pixel 3A from google made with decent features for day-to-day rough usage. This is pretty much cheap than the above one in terms of features and overall price tag.

Moreover, the design and build quality are also pretty stylish and smooth, it doesn’t give you a cheaper look but rather gives you a shiny feel when you take it to your palm. After all, this is a low-cost phone, it won’t make the scope of comparing with the above devices. This is for those who want a smart device within their capacity of pocket.

Key Features Of Google Pixel 3A Smartphone

  • Comes with a decent 4G LTE coverage as well as Nano-SIM features for more flexibility and new possibilities
  • For awesome and stable photos, it has 12.2 MP dual rear cameras, 8 MP wide-angle front selfie cameras 
  • Ensures quality speed and multi-tasking as it is made with 2.0GHz + 1.7GHz, 64Bit Octa-Core processor, and robust Qualcomm Snapdragon 670 chipset 
  • The Fullscreen 5.6 inches Full HD+ OLED display with 441 PPI makes you watch movies and videos in clear 1080p resolution
  • Launched 4GB RAM and 64 GB big ROM makes this phone ready for multi-purpose usage and a heavy photos and videos storage 

If you are looking for an extended payment period of up to 24 months then you may have to pay a little extra in terms of the APR with the total payable amount. It starts at just 22 dollars for 2 years with a 15.15% APR. If you are ready to pay the total money within a year or a half-year period then you don’t have to pay additional APRs with the sum.

If you go for 12 months then you have to give approximately 38 dollars and in 06 months period, you have to pay nearly 75 dollars monthly.  The total price range is 449 dollars for holding the 4G featured Google Pixel 3A Smartphone.

5. Straight Talk Samsung Galaxy S9 Smartphone

Straight Talk Samsung Galaxy S9 Smartphone

This is another updated and big display smartphone from the well-known mobile and technology device producing company Samsung. This device is with almost the same price tag as the upper one.

This Samsung Galaxy S9 is also pretty much affordable for individuals who are not aiming for highly featured smartphones rather than they want decent usable qualitative smartphones. Despite being in the medium budget range, it has some superb and awesome features that you will love to use.

Key Features Of Samsung Galaxy S9

  • Made by a 5.8 inches Super AMOLED display with 16M colors for a vivid and crystal clear visuality while using this device
  • It operates with a smart Android 8(Oreo) Operating System( upgradable to Android 10)  and supports 4G LTE networking facilities 
  • Capture stable and smooth images as well as 2160p (4K) videos with the 12 Megapixel Rear camera and 8 Megapixel front camera of this smartphone
  • It has a faster Exynos 9810/Qualcomm Snapdragon 845(10mm) chipset as well as Octa-core (4×2.7 GHz Kryo 385 Gold & 4×1.7 GHz Kryo 385 Silver) processor 
  • The 4GB RAM and 64 GB ROM makes it even better for multi-tasking and storing more photos and videos.

Now it comes with the discussion about the distribution of payment time and the money amounts with the APR. As we have mentioned, they don’t require any APRs when you move for a shorter period for the total payment.

And when you are looking for a longer payment period, then put it down at lower down payments but add some extra interests as APR. It starts at just 21.80 dollars for 2 years with a 15.15% APR. 

6. Straight Talk One Plus 6T phone

Straight Talk One Plus 6T phone

Amongst the mobile phone producers, One Plus is a famous name as it has smartphone devices with the best features and qualities. Amongst the attributes of One Plus devices, they are well known for their best-level camera and super-fast processor chipset.

For long-term heavy usage, you can trust any of the quality phones from One Plus keeping your eyes blindfolded. The design and the build quality is also in better shape, but for the performance, it will stay ahead of any other devices.

Key Features Of One Plus 6T

  • Don’t compromise with any professional level photoshoot since it has two superb rear cameras of 20 MP and 16 MP as well as a front camera of 16 MP for stunning selfies
  • The huge 6.41 inches Optic AMOLED display is made for longer streaming which also looks after your eye health
  • Comes with an Octa-core processor of up to 2.8 GHz and Qualcomm Snapdragon 845 chipset(10 nm), you will feel like flying while using it
  • With fast charging facility and a 3700 mAh non-removable lithium polymer battery, you don’t have to worry about charging while on the go
  • Do multitasking smoothly as it has 8GB RAM and 128 GB ROM for more fun and entertainment

This One Plus 6T is also a medium-budget phone with the best features you will love to have. It is priced under 400 dollars and it has superb cameras and a huge display that will make you pleased. From Straight Talk with Affirm, you will be able to pay the total money comfortably within 24 months period (19 dollars monthly) with a lower APR of just 15.14 percent.

If you are in a hurry, then you can also choose the 12 months or 6 months payment period option and they come in with literally 0% of APR. In terms of the 12-month payment period, they have a payment rate of just 33 dollars per month, and in 6 months it is nearly 67 dollars monthly.

7. Straight Talk Nokia 1.3 cell phone

Straight Talk Nokia 1.3 cell phone

From our list of mobile devices from Straight Talk Phone financing, this is the cheapest smartphone you can consider for switching. This Nokia 1.3 smartphone can be purchased from Affirm with a lower down payment rate for an extended period according to your comfort and suitability.

Nokia 1.3 comes with the cheapest budget tag which is just 119 dollars. The cheapest priced mobile phones don’t always mean that they have poor features, this Nokia 1.3 has some quality features you will love to get access to.

Key Features Of Nokia 1.3

  • It operates with a smart Android 10 Go Operating System and supports 4G LTE networking facilities 
  • The 3000 mAh lithium polymer ion battery lasts up to 1 day long even after heavy usage
  • WIth the Quad-core 1.3 GHz Cortex A53 processor and Qualcomm Snapdragon 215(28nm) chipset, your phone won’t lag after doing multiple tasks at once
  • Has an 8MP rear camera and a 5MP front selfie camera for a decent level of moment capturing
  • Made with a 5.71 inches HD+ display for letting you have perfect streaming for hours without interruptions

Straight Talk Affirm has a lower rate of just 10 dollars per month and it is for 1 year payment period selection. If you go for just 6 months payment time frame, it will require you to pay almost 20 dollars per month. Both of the options are with 0% Advance Percentage Rate. Let’s have a look at the specialties of this Nokia 1.3 Smartphone.

Requirements For Applying To Straight Talk Affirm

To sign up for an Affirm account or getting approved for Affirm phone financing, you may have to have all these criteria fulfilled before applying.

  • You need to have a credit score of at least 550 or higher
  • You have to be at least 18 years old while applying(19 years in Alabama)
  • Be a resident or a permanent citizen of the United States
  • Last but not least, have cell phone service and allow/ agree to the text alerts

Application Process for Straight Talk Phone Financing

For getting your desired phone from Straight Talk with your suitable payment method option, you have to apply to Straight Talk Affirm services. Here are the processes for application-

  • Go to their website for viewing your preferred phone
  • While visiting, browse all the phones and their plans, then select one 
  • Fill your cart, then select Affirm at the checkout option
  • Enter your mobile number and select Continue for further proceedings 
  • If it is the first time you are applying, then create an account
  • Enter the 4-digit verification code sent to your phone
  • Select 10 business days option for your application processing
  • Wait and observe whether you’re accepted/approved for your purchase or not

Final Verdict

After all the above discussion, you may have got the details you are looking for confirming your next Straight Talk Phone Financing. As you have observed they have a variety of phones for your convenience. You can choose one that matches your budget accordingly. From the expensive ones to the cheapest ones you can go for the best ones because all the products included in their category lists are qualitative and worthy.

Don’t be fooled by any contractless phone financing thinking that those phones may be older or used ones. All the devices they have are all new and latest in terms of features and quality. They also have some of the best Straight Talk refurbished phones you can have a look at. Go for the one that makes sense to you and suits your pocket.