Popular Phones with $0 Down

Depending on the provider, you can get brand-new or refurbished phones, with or without a service plan. Here are some popular BNPL phone options available in 2025:

Some providers even offer a free phone + plan if you qualify through government-supported programs like ACP (Affordable Connectivity Program).

How to Qualify for a BNPL Phone Plan

Most programs don’t check your credit — instead, they ask for:

• ✅ Valid U.S. ID or driver’s license
• ✅ Proof of income (job, SSI, benefits, etc.)
• ✅ Debit card or bank account
• ✅ Proof of address

If you're approved, you’ll either receive your phone by mail, or pick it up in-store. Some plans start payments 14–30 days later, giving you time to budget.

Where to Get Buy Now Pay Later Phones

Here are popular platforms and carriers offering BNPL phones with $0 down and no credit:

• Mint Mobile – iPhones and Androids with monthly payment options
• Metro by T-Mobile – $0 phones with number port-in
• Assurance Wireless (ACP) – Free phone with service plan
• QLink Wireless – Free smartphone by mail for eligible users
• SmartPay / Progressive Leasing – Pay later for phones at Walmart, Best Buy, etc.
   

Pros and Cons to Know

When exploring Buy Now, Pay Later (BNPL) phone programs, it’s important to understand both the advantages and the potential drawbacks. These plans have become increasingly popular because they allow people to get new devices quickly without the need for traditional financing or long-term contracts. However, as convenient as they are, they come with specific terms and conditions that can affect your total cost and flexibility. Let’s take a closer look at the key benefits and cautions to help you make the best decision.

Benefits

✅ No upfront payment
One of the biggest attractions of BNPL phone programs is that you don’t have to pay anything right away. Instead of saving up hundreds of dollars for the latest smartphone, you can start using it immediately and spread the cost over time. This is particularly helpful for students, families on a budget, or anyone needing a replacement phone urgently. The $0 down option makes technology more accessible to everyone.

✅ No credit check
Traditional phone financing often requires a good credit score. If your credit history isn’t perfect or you simply don’t have one, BNPL plans can be a lifesaver. Many providers skip the credit check altogether or perform only a soft inquiry that doesn’t affect your score. That means you can still qualify for a great device even if you’ve had financial challenges in the past.

✅ Quick approval process
Applying for a BNPL phone plan usually takes just a few minutes. Many companies have automated systems that review your information instantly. If approved, you’ll often receive confirmation the same day. For online orders, your device may ship within 24–48 hours. For in-store programs, you can walk out with your new phone right after approval.

✅ Device shipped or ready to pick up within days
Gone are the days of waiting weeks for your phone to arrive. BNPL providers work with major retailers and carriers to ensure fast delivery or local pickup. Whether you order through Assurance Wireless, Mint Mobile, or SmartPay, you can expect to have your new device activated in just a few days. This is ideal if your old phone is lost, broken, or outdated.

Cautions

⚠️ Total cost may be higher if payments are missed
While BNPL plans make phones more affordable in the short term, missing payments can increase your total cost significantly. Late fees, penalty interest, or loss of promotional pricing may apply. Always make sure you can handle the monthly payment before committing.

⚠️ Some programs require staying on a specific plan
Many providers bundle their BNPL offers with specific service plans. For example, you might have to remain with a carrier for 12 or 24 months to keep your discount or device. Switching carriers early could result in additional charges or termination fees. Be sure to check if the plan locks you into a long-term contract.

⚠️ Not all phones are brand new — check descriptions
Some BNPL deals include refurbished or pre-owned phones. This isn’t necessarily a bad thing; refurbished devices often perform like new and come with warranties. However, you should always read the product description carefully to know exactly what you’re getting — new, certified pre-owned, or open-box.

⚠️ Missed payments could disqualify you from upgrades
Many programs offer upgrade options after a certain number of successful payments. Missing or delaying payments might make you ineligible for these promotions. To maintain upgrade eligibility, pay on time and keep your account in good standing.

Quick Comparison Table

This table provides a quick snapshot of what to expect from some of the most popular BNPL and free phone providers. Assurance Wireless and QLink Wireless focus on government-assisted programs that help eligible users get free or discounted service. Mint Mobile and Metro by T-Mobile cater to mainstream users who want more premium devices with flexible plans. SmartPay acts as a retail partner for major stores like Walmart and Best Buy, letting you finance phones directly at checkout.

Frequently Asked Questions (FAQ)

Do I need a credit card?

No. Most BNPL phone plans accept debit cards or direct bank (ACH) payments. Some even allow payment through digital wallets like PayPal, Apple Pay, or Google Pay. This makes it easy to manage your installment schedule without relying on traditional credit.

Can I really get an iPhone with no deposit?

Yes — several providers offer iPhones with $0 down when bundled with their service plans. For instance, Mint Mobile occasionally promotes deals that include iPhone 13 models when you prepay for a few months of service. Always review eligibility terms since some offers vary by location and inventory.

What’s the difference between BNPL and a phone lease?

BNPL typically involves paying for the phone in small installments over 12–24 months. Once you finish paying, you own the device outright. A lease, however, means you’re essentially renting the phone — you may need to return it or pay an additional fee to keep it. BNPL gives more ownership flexibility without the restrictions of traditional leases.

Is this a loan?

In most cases, BNPL is considered a “lease-to-own” or installment plan rather than a standard loan. Providers like SmartPay or Affirm structure it as a retail installment agreement where you gradually pay off the device balance. Because it’s not a traditional loan, it usually doesn’t appear on your credit report — unless you default.

Can I keep the phone after I pay it off?

Yes, unless stated otherwise in the terms. Once all payments are completed, the phone is yours to keep. Some carriers even unlock the device automatically after the final payment, allowing you to use it with any compatible SIM card or carrier.

How to Choose the Right BNPL Program

Choosing the best BNPL phone offer depends on your personal situation. Here are a few key factors to consider before signing up:

1. Your budget: Make sure the monthly payment fits comfortably within your financial plan. Even $25–$40 per month can add up when combined with service charges.

2. The device’s true cost: Always check the total cost over the full term. Sometimes a “$0 down” phone may end up more expensive than buying outright.

3. Service coverage: Ensure the carrier provides strong signal and reliable data speeds in your area.

4. Customer support: Read reviews about how each provider handles issues like late payments, device defects, or plan cancellations.

5. Return or exchange policy: If you’re unhappy with the phone, can you return it? Some BNPL programs allow returns within 14 or 30 days, while others don’t.

By taking these factors into account, you can avoid hidden costs and ensure your experience stays positive.

Tips for Managing BNPL Payments

To get the most out of your Buy Now Pay Later plan:

• Set reminders: Automate payments or set calendar alerts to avoid late fees.

• Monitor your bank balance: Some providers charge fees for failed auto-pay transactions.

• Contact support early: If you anticipate payment issues, reach out before the due date. Providers are often willing to reschedule or offer temporary relief.

• Keep documentation: Save your receipts, order confirmations, and plan details in case of disputes.

Responsible payment management not only saves money but can also help build your reputation with BNPL providers, making it easier to qualify for future upgrades or additional devices.

Final Thoughts

Buy Now Pay Later phones offer a practical solution for anyone who needs a new device but doesn’t want to deal with large upfront costs or strict credit requirements. Whether you choose Assurance Wireless for a free government-supported phone, Mint Mobile for a premium iPhone deal, or SmartPay for retail flexibility, these programs open doors that traditional financing often closes.

However, as with any financial decision, it’s essential to understand the fine print. Know the total amount you’ll pay, the duration of the installment plan, and the consequences of missing payments. Remember that while these programs are designed to make devices accessible, they still require responsible financial management.

With careful comparison and consistent payments, BNPL can help you stay connected to what matters most — family, work, and daily life — without breaking your budget. Explore your options, read the terms carefully, and apply confidently. Your next smartphone might be just a few clicks away, ready to ship or pick up within days.