Are you among the 30% of Americans who have bad credits and need financing to afford a smartphone? For you, we have gathered the information on those companies that offer no credit check cell phone financing.
We saw that the terms and conditions of these cell phone financing companies are also flexible. So, anyone can buy their favorite smartphone without having to worry about the price or payment options. Now, let’s see the critical information about those companies and the process of getting offers.
Top 8 No Credit Check Cell Phone Financing 2023
1. Progressive Leasing – no credit check cell phone financing provider
Progressive Leasing is a company that offers convenient access to affordable and straightforward purchase options to everyone regardless of credit rating. Having a bad credit rating is normal in the country, which downgrades your purchasing power.
Progressive Leasing can help you regain your purchasing power with their virtual lease-to-own purchase options. Let’s see how you can get no credit check financing from the company.
How you can get it
To get the easy-lease benefit from Progressive Leasing, you must meet some essential criteria and provide the info mentioned below.
- First of all, you have to be 18 years or older to roll with their leasing options.
- After that, your social security number or ITIN number will be needed as proof of your residency.
- Finally, they will ask for your bank account details and your debit or credit card information.
With all this information, they will assess you in their way, which is different from the credit check. So, getting a phone leasing deal is more accessible, and you have more chances to get it.
The info you can’t miss
Here is some valuable information about the terms of Progressive Leasing that will help you make a decision.
- After the company approves your application, you will have a window of only three months to lease a phone.
- There are no applications or other leasing fees that you need to pay to take the services.
- The approved amount to lease is not fixed, and it depends on your profile.
- Like other financing companies, this one also won’t make reports to the authority if you can’t make the payments.
Phone Deals
In the online store of Cricket Wireless, many phone deals will let you own the device with payment facilities from Progressive Leasing. You can either choose from a wide variety of Android phones or iPhones.
Shop Online/Offline
Progressive Leasing gives you the option to buy phones from Cricket Wireless’s website or find a store near you to shop offline.
2. Kmart
Would you select a financing company that is trusted by more than a million people and has products from all major brands? If your answer is yes, then Kmart should be your first choice.
With their deals and offers, you won’t find another option that can beat it. Below, you will see the requirements to get a free cell phone with no money down no credit check from this company. It will also include tire financing and no credit check for your convenience.
How you can get it
To get the easy-lease benefit from Kmart, you need to meet some essential criteria, earn a minimum income, and provide the info mentioned below.
- First of all, you have to be 18 years or older to roll with their leasing options.
- After that, your social security number or ITIN number will be needed as proof of your residency.
- Next, please give them a valid email address that you use regularly.
- Finally, they will ask for your bank account details and your debit or credit card information.
With all this information, they will assess you in their way, which is different from the credit check. So, getting a phone leasing deal is more accessible, and you have more chances to get it.
The info you can’t miss
Here is some valuable information about the terms of Kmart that will help you make a decision.
- After five months, you can get lease payment, buyout, and return options.
- It has a transparent charging policy that will tell you the exact amount that you need to pay over the period.
- With the early payment feature, you can buy out the device before the term ends.
- By applying online, you can experience the quickest approval time and a lot of options to choose from.
Phone Deals
From the online store of Kmart, you can own as many devices as you want with payment facilities from Kmart itself. You can choose from a wide variety of smartphones and other necessary items.
Shop Online/Offline
Kmart gives you the option to buy phones from their online shop or smartphones near you to shop offline.
3. FlexShopper – cell phone financing provider
Though FlexShopper does some light inspections about your credit status, it won’t affect your approval to get the financing.
So, let’s see how you can get no credit check cell phone financing bad credit from the company.
How you can get it
To get the easy-lease benefit from FlexShopper, you need to meet some basic criteria and provide the info mentioned below. They need you to have a current source of income to be applicable.
- First of all, you have to be 18 years or older to roll with their leasing options. The age value can vary depending on the different state laws.
- After that, your social security number or ITIN number will be required to fill out the application form.
- Finally, they will ask for your phone number and address with a valid checking account in good standing.
If you don’t reside in New Jersey, Minnesota, Wisconsin, or Wyoming, you can think about getting their services. With all this information, they will assess you in their way, which is different from the credit check. So, getting a phone leasing deal is easier, and you have more chances to get it.
The info you can’t miss
Here is some valuable information about the terms of FlexShopper that will help you make a decision.
- With its easy-leasing agreement, you can make 52 weekly payments or make an early payment.
- Within the limit set based on your profile, you can buy multiple devices at a time.
- The item you purchase will only be shipped to the address of your account and nowhere else.
- The company allows you to set the payment schedule bi-weekly or monthly.
Phone Deals
From the online store of FlexShopper, you can use different iPhone models with other latest smartphone models and the payment facilities from FlexShopper itself. You can choose from a wide variety of smartphones and other necessary items.
Shop Online/Offline
FlexShopper gives you the option to buy phones from any of your favorite e-commerce stores.
4. Gazelle – cell phone financing provider
Gazelle comes with great offers for renewed and certified pre-owned phones. So, low-income families and individuals can own a standard device to enjoy life like others.
With the help of their services, you can get some instant cash from selling your existing device and buying a new one.
Now, it is time to see how you can get no credit check phone financing from the company.
How you can get it
Gazelle works differently from the other financing companies, which is convenient for those looking to trade in their devices or buy low-priced flagship devices. The process is very simple, and let’s see it step by step.
- Firstly, go to their official website and find a phone you love to have and see its rating.
- After that, answering a few of their flawless questions will mean that the set is like a brand-new one.
- Finally, accept their offer and go to the checkout process. The shipping is on Gazelle, making it more convenient for you to make a budget.
Now, read the following section and don’t make mistakes while taking any deal. Because regretting afterward won’t recover your financial loss.
The info you can’t miss
Here is some valuable information about the terms of Gazelle that will help you make a decision.
- The phones and tablets come with a 30-day easy return policy.
- They make sure that the device you are purchasing is entirely okay and functional so that you don’t have to spend more on repairing it.
- For selling your device to the company, you can get payments in your suitable method.
- The company maintains a fair pricing policy so that you can shop risk-free.
Phone Deals
Gazelle deals with certified pre-owned smartphones and gives you the option to trade in your current device at fair prices. So, you can own the flagship devices for a fraction of their original costs.
Shop Online/Offline
Gazelle gives you the option to buy phones from its online shop so that you can get genuine products.
5. Rentdelite – no credit check cell phone financing provider
If you want more products than a smartphone and quick deliveries, you should go with Rentdelite.
Their policies are user-friendly, which have already helped countless customers own their favorite devices. Let’s see how you can get no credit check cell phone financing from the company.
How you can get it
To get the easy-lease benefit from Rentdelite, you need to meet some basic criteria and provide the info mentioned below.
- First of all, you have to be 18 years or older to roll with their leasing options.
- After that, your social security number or ITIN number will be needed as proof of your residency.
- Finally, they will ask for your income details and whether you have a valid debit card or not.
With all this information, they will assess you in their way, which is different from the credit check. So, getting a phone leasing deal is easier, and you have more chances to get it.
The info you can’t miss
Here is some valuable information about the terms of Rentdelite that will help you make a decision.
- With the payment option from Rentdelite, you won’t have to wait to use your phone till the payment is complete.
- There is a wide range of payment options that you can choose according to your income status.
- You can upgrade or change your product with easy and flexible terms from Rentdelite.
- As they offer flexible payment intervals, you can choose any payment frequency as you see fit.
Phone Deals
Rentdelite will give you the most suitable installment frequency according to your income. As a result, you will be able to meet the installments quickly and own the device that was not available for your below-average credit rating.
Shop Online/Offline
Rentdelite gives you the option to buy phones from their online shop or find a store near you to shop offline.
6. Rent-A-Center
Many of you don’t have a credit file or have a bad credit history, which is common in the country. But that should not stop you from owning the devices you love to have for your daily usage.
The mission of RAC is to give you the power to buy what you should have.
You will be able to purchase anything from their store or the partner stores. Now, let’s see how you can get no credit phone financing from the company.
How you can get it
To get the easy-lease benefit from Rent-A-Center, you need to meet some basic criteria and provide the info mentioned below.
- First of all, you have to be 18 years or older and provide personal information like your name, date of birth, and contact number.
- After that, you will need to provide the contact of your landlord/mortgage company to verify your residence info.
- Finally, they will ask for your correct income information with valid references.
With all this information, they will assess you in their way, which is different from the credit check. So, getting a phone leasing deal is easier, and you have more chances to get it.
The info you can’t miss
Here is some valuable information about the terms of RAC that will help you make a decision.
- RAC offers early purchase discounts and quick payment completion discounts on the retail price.
- You can pause your payment in the middle and get the same device back as you resume making the payment.
- They also offer to repair your device for free within the period of your agreement.
- The company does not report your payment history; it won’t affect your credit rating even if something unwanted happens with RAC.
Phone Deals
Rent-A-Center also offers easy payment options and several smartphone deals to its new and existing customers. You can find various types of deals, and following our process above, you can take advantage of them.
Shop Online/Offline
Rent-A-Center allows you to buy phones from their online shop or find a store near you to shop offline.
7. Rent-2-Own
R2O or Rent-2-Own heavily focuses on customer satisfaction and a better environment for their employees.
For over 35 years, they have served many people who can’t afford a smartphone with a one-time payment.
This is a fast-growing company with more than 17k customers and over 300 employees. So, you can trust their service, and let’s see how you can get no credit cell phone financing from the company.
How you can get it
To get the easy-lease benefit from Rent-2-Own, you need to meet some basic criteria and provide the info mentioned below.
- First of all, you have to be 18 years or older to roll with their leasing options.
- After that, your social security number or ITIN number will be needed as proof of your residency.
- Finally, they will ask for your bank account details and your debit or credit card information.
With all this information, they will assess you in their way, which is different from the credit check. So, getting a phone leasing deal is easier, and you have more chances to get it.
The info you can’t miss
Here is some valuable information about the terms of R2O that will help you make a decision.
- Applying to R2O, you won’t have to worry about your credit status at all, and they don’t burden you with interest rates or hidden fees.
- Depending on your earning frequency, you can set the payment plan, which feels more flexible.
- No matter what history you have with this company, it won’t affect your credit rating or history.
- They will let you own the device after the leasing period with successful payment completion or before it ends in case of early payoffs.
Phone Deals
For buying a phone and take advantage of the R2O leasing methods, your only option is to go to your nearest store. Below, you will find the link to know the eligible options near you.
Shop Online/Offline
Rent-2-Own gives you the option to buy phones from a store near you to shop offline. If you are a resident of Ohio or Kentucky, you will find many shops that accept the R2O payment system.
8. SmartPay
SmartPay is an excellent payment buffering company that can make businesses more profitable and customers happy with their desired devices.
Almost any customer, regardless of their credit rating, can get a lease-payment option after the application.
They cared for the financial situation of their customers and set a flexible payment schedule accordingly.
Now, get a lease cell phone with no credit check by meeting the requirements of the company. You can also expect iPhone financing, no credit check from SmartPay, and enjoy what you love.
How you can get it
To get the easy-lease benefit from SmartPay, you must meet some essential criteria and provide the info mentioned below. Those with a monthly income of at least $1000 or more before taxes and deductions can apply for the leases.
- First of all, you have to be 18 years or older, but the limit may increase depending on your state’s law.
- After that, your social security number or ITIN number will be needed as proof of your residency.
- Finally, they will ask for your bank account details and your debit or credit card information.
Moreover, the SmartPay services are not available in MN, NJ, WI, and WY. Go to the company’s official website and hit Apply to get the process started.
With all this information, they will assess you in their way, which is different from the iphone no credit check financing. So, getting a phone leasing deal is easier, and you have more chances to get it.
The info you can’t miss
Here is some valuable information about the terms of SmartPay that will help you make a decision.
- With SmartPay, you can only lease the smartphone models available in its partner stores or online shops.
- After getting a device on a lease, you can return it anytime you want without facing any penalty, even if you miss the return period to your merchant.
- SmartPay doesn’t do credit checks, but you can request them to do it, ensuring more flexible leasing terms and amounts.
- You will always have the option to pay off the lease amount early, making you the device owner before the period ends.
Phone Deals
You can make the most savings by paying with SmartPay and making an order from the online store of Total Wireless.
From the official online store of Total Wireless, you will find different attractive deals for Android phones and iPhones. For a limited time, there are massive discounts on the retail price of the latest smartphones.
Shop Online/Offline
SmartPay allows you to buy phones from their online shop or find a store near you to shop offline.
Final Verdict
By now, you realize that there are different offers suitable for different persons in various locations. So, recommending one particular company to go for is not possible here. Our recommendation is to go for a company that has a partnership with your current carrier.
Also, make sure that a store near you allows the particular company’s no credit check cell phone financing. Another benefit of this financing is that you can get the best cell phone deals with no contract. By purchasing no contract cable and internet packages with all of those, you will be within the network even if you have bad credit.
