{"id":83,"date":"2026-08-27T11:43:26","date_gmt":"2026-08-27T11:43:26","guid":{"rendered":"https:\/\/usedphonez.com\/blog\/?p=83"},"modified":"2026-08-27T11:43:26","modified_gmt":"2026-08-27T11:43:26","slug":"no-credit-check-phone-financing","status":"publish","type":"post","link":"https:\/\/usedphonez.com\/blog\/no-credit-check-phone-financing\/","title":{"rendered":"No Credit Check Phone Financing: How to Get an iPhone for $50 Down in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you have been turned down for a phone because of your credit, or you are dreading the hard credit pull that comes with carrier financing, you are not stuck. You can walk out with a current iPhone or Samsung Galaxy for $50 down, no credit check, and pay the rest in small weekly amounts. This guide explains exactly how no credit check phone financing works in 2026, what it really costs, how approval is decided when nobody looks at your credit score, and how to avoid the mistakes that cost people money. By the end you will know whether it is right for you and how to get approved in about 60 seconds.<\/span><\/p>\n<blockquote>\n<h2><b>The short answer<\/b><\/h2>\n<p><b>No credit check phone financing lets you take home a phone today by putting a small amount down, usually around $50, and paying the balance over time in weekly or biweekly payments. Approval is based on steady income and direct deposit instead of a credit score, so applying does not trigger a hard credit inquiry and does not affect your credit.<\/b><span style=\"font-weight: 400;\"> At UsedphoneZ, you pick your device, put $50 down, and most customers are approved instantly and have their phone in 2 to 3 business days.<\/span><\/p><\/blockquote>\n<h2><b>Why so many people are skipping carrier financing in 2026<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Phones have never been more expensive. A new flagship can run past $1,000, and the usual ways to pay for one come with strings attached.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Carrier financing from AT&amp;T, Verizon, and T-Mobile almost always requires a credit check and ties you to a multi-year device payment agreement, often bundled with a specific plan. If your credit is thin, damaged, or nonexistent, you either get denied or get asked for a large deposit. Even if you are approved, that hard inquiry can ding your credit score for months.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That is the exact gap no credit check financing fills. It was built for real situations:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are young or new to the country and have no credit history yet.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your credit took a hit and you are rebuilding.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You do not want a hard inquiry on your report right now.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You do not want to be locked into a two-year carrier contract.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You need a working phone this week, not after a lengthy approval.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If any of those sound like you, a<\/span> <a href=\"https:\/\/usedphonez.com\/buy\"><span style=\"font-weight: 400;\">lease-to-own iPhone with no credit check<\/span><\/a><span style=\"font-weight: 400;\"> is usually the fastest path to a quality device without the roadblocks.<\/span><\/p>\n<h2><b>How does no credit check phone financing actually work?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The model is simple once you see the steps. Here is how it works at UsedphoneZ.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Apply online or in store.<\/b><span style=\"font-weight: 400;\"> You answer a few quick questions about your job and income. The first question is literally whether you get paid by direct deposit. It takes under two minutes and does not touch your credit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get an instant decision.<\/b><span style=\"font-weight: 400;\"> Instead of a credit score, approval looks at steady income and consistent direct deposits. That is the primary qualifier.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Choose your phone and pay $50 down.<\/b><span style=\"font-weight: 400;\"> Pick from current iPhones, Samsung Galaxy models, and iPads. Put your $50 down payment on the device you want.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Take it home or get it shipped.<\/b><span style=\"font-weight: 400;\"> In Lafayette you can walk out the same day. Order online and your phone ships in 2 to 3 business days, anywhere in the US.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Make small weekly payments until it is yours.<\/b><span style=\"font-weight: 400;\"> You own the phone at the end of the agreement, and you can pay it off early to save money.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Because the phones are unlocked, they work on any carrier. You are not forced onto a specific plan, and you can switch networks whenever you want.<\/span><\/p>\n<p><b>Ready to see if you qualify?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">You can<\/span> <a href=\"https:\/\/usedphonez.com\/buy#apply\"><span style=\"font-weight: 400;\">check if you qualify in about 60 seconds<\/span><\/a><span style=\"font-weight: 400;\"> with no credit check and no hard inquiry. If you have a job with direct deposit, you are likely already approved.<\/span><\/p>\n<h2><b>What phones can you get for $50 down, and what are the weekly payments?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">This is the question most guides dodge because they are affiliate sites that never actually sell you a phone. Here are real, current starting weekly estimates from the UsedphoneZ catalog so you can budget before you apply.<\/span><\/p>\n<h3><b>iPhone weekly payment estimates<\/b><\/h3>\n<table>\n<tbody>\n<tr>\n<td><b>iPhone model<\/b><\/td>\n<td><b>Est. weekly payment<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iPhone 11<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $10 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iPhone 12<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $14 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iPhone 13<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $17 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iPhone 14<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $21 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iPhone 14 Pro Max<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $31 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iPhone 15<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $27 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iPhone 16<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $34 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iPhone 17<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $42 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iPhone 17 Pro Max<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $58 \/ week<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Samsung Galaxy weekly payment estimates<\/b><\/h3>\n<table>\n<tbody>\n<tr>\n<td><b>Samsung model<\/b><\/td>\n<td><b>Est. weekly payment<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Galaxy Note 10<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $12 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Galaxy S21<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $13 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Galaxy S22 Ultra<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $20 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Galaxy S23<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $21 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Galaxy Z Flip 5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $26 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Galaxy S24 Ultra<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $40 \/ week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Galaxy S25 Ultra<\/span><\/td>\n<td><span style=\"font-weight: 400;\">from $46 \/ week<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Every phone starts at $50 down. Weekly amounts are estimates that depend on the exact model and term, and you always see your real numbers before you sign anything.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can<\/span> <a href=\"https:\/\/usedphonez.com\/buy\"><span style=\"font-weight: 400;\">browse the full weekly pricing on every iPhone and Samsung in stock<\/span><\/a><span style=\"font-weight: 400;\"> and apply for the one you want in the same place.<\/span><\/p>\n<h2><b>Will applying hurt my credit score?<\/b><\/h2>\n<p><b>No. A true no credit check application does not pull your credit, so there is no hard inquiry and no effect on your score.<\/b><span style=\"font-weight: 400;\"> This is the single biggest worry people have, so it is worth being clear.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A hard inquiry is the kind of credit pull that happens with carrier financing or a loan, and it can lower your score for a while before it fades off your report. Because no credit check financing never requests your credit file, none of that happens. You can apply, get your decision, and walk away with zero impact either way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One honest note: many stores, including UsedphoneZ, will ask for your Social Security number. That is used only to verify your identity and prevent fraud, not to run a credit check. It is a normal, standard step.<\/span><\/p>\n<h2><b>No credit check financing vs carrier financing: an honest comparison<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-85\" src=\"https:\/\/usedphonez.com\/blog\/wp-content\/uploads\/2026\/08\/Skip-the-Credit-Check.png\" alt=\"No credit check financing vs carrier financing\" width=\"1600\" height=\"840\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Both get you a phone. They are not the same deal. Here is the straight comparison.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Feature<\/b><\/td>\n<td><b>No credit check financing (UsedphoneZ)<\/b><\/td>\n<td><b>Carrier financing (AT&amp;T, Verizon, T-Mobile)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Credit check<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Required (hard inquiry)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Approval based on<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Income and direct deposit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Credit score and history<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Down payment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$50 on most devices<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Varies, can be high with weak credit<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Contract<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No contract<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Often a multi-year device agreement<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Locked to a carrier<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No, phones are unlocked<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Frequently tied to their plan<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Early payoff<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes, and it saves you money<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Sometimes, with restrictions<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Speed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Instant decision, phone in days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Can involve deposits and delays<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">If you have excellent credit and want to spread a new phone across a carrier bill, carrier financing can work fine. If your credit is the thing standing between you and a phone, or you simply do not want a contract or a hard inquiry, no credit check financing is the more flexible option.<\/span><\/p>\n<h2><b>The smartest way to save money: pay it off early<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-86\" src=\"https:\/\/usedphonez.com\/blog\/wp-content\/uploads\/2026\/08\/Pay-It-Off-Early.png\" alt=\"The smartest way to save money: pay it off early for your phones\" width=\"1600\" height=\"840\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Here is the tip the affiliate blogs rarely tell you clearly. Lease-to-own agreements cost more than paying cash if you stretch them to the full term. That is the tradeoff for skipping the credit check and the big upfront payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But you do not have to stretch it out. UsedphoneZ offers a <\/span><b>90 Days Same as Cash<\/b><span style=\"font-weight: 400;\"> option. If you pay off the full price within 90 days, you skip the extra lease cost entirely and pay close to the cash price. If you can manage it, this is by far the cheapest way to use the program.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So the money-smart play is simple: get approved with no credit check, take the phone home for $50 down, then pay it off as fast as your budget allows. You get the access and speed of leasing without paying the full long-term cost.<\/span><\/p>\n<h2><b>Common mistakes to avoid<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">People who regret their financing usually made one of these avoidable mistakes.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Stretching payments to the max when you could pay it off sooner.<\/b><span style=\"font-weight: 400;\"> If you can clear it inside the same-as-cash window, do it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financing more phone than you need.<\/b><span style=\"font-weight: 400;\"> An iPhone 13 at a low weekly payment still does almost everything the newest model does. Match the phone to your budget.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Not reading the actual terms before signing.<\/b><span style=\"font-weight: 400;\"> A real store shows you the exact down payment, weekly amount, and payoff numbers up front. If a place hides those, walk away.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Assuming a broken old phone is worthless.<\/b><span style=\"font-weight: 400;\"> It probably has trade-in value you can put toward your down payment. More on that below.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Going with a lead-aggregator site instead of an actual store.<\/b><span style=\"font-weight: 400;\"> Many &#8220;no credit check&#8221; results are just application middlemen, not sellers. You want a real business that hands you the phone and stands behind it.<\/span><\/li>\n<\/ul>\n<h2><b>Turn your old phone into your down payment<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You do not always need $50 out of pocket. If you have an old iPhone, Samsung, iPad, Apple Watch, or even a cracked device sitting in a drawer, it likely has cash value. You can<\/span><a href=\"https:\/\/usedphonez.com\/sell\"> <span style=\"font-weight: 400;\">get a cash offer for your old phone<\/span><\/a><span style=\"font-weight: 400;\"> and put that money straight toward the down payment on your next one. It is the easiest way to lower your upfront cost to nearly nothing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And if your current phone is not dead, just damaged, sometimes the smarter move is a quick fix instead of a new device.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">UsedphoneZ also offers<\/span> <a href=\"https:\/\/usedphonez.com\/repair\"><span style=\"font-weight: 400;\">same-day phone repair<\/span><\/a><span style=\"font-weight: 400;\"> for cracked screens, batteries, and charging ports, so you can weigh repair against upgrade before you commit.<\/span><\/p>\n<h2><b>How to choose the right no credit check provider<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Not all &#8220;no credit check&#8221; offers are equal. Use this checklist to judge any provider, including us.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is it a real store or just an application form?<\/b><span style=\"font-weight: 400;\"> Real stores sell, ship, and support the phone. Aggregators just pass your info along.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are the prices shown before you apply?<\/b><span style=\"font-weight: 400;\"> You should be able to see weekly estimates without handing over your data first.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is there a genuine early payoff or same-as-cash option?<\/b><span style=\"font-weight: 400;\"> This is how you avoid overpaying.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are the phones unlocked?<\/b><span style=\"font-weight: 400;\"> Unlocked means freedom to use any carrier.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Do real customers vouch for them?<\/b><span style=\"font-weight: 400;\"> Look for a track record, not just marketing.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">On that last point, UsedphoneZ has served the Acadiana community for years and carries a 4.9 star rating across 240-plus reviews, with more than 8,500 customers served.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can learn more about<\/span> <a href=\"https:\/\/usedphonez.com\/about\"><span style=\"font-weight: 400;\">the team and story behind UsedphoneZ<\/span><\/a><span style=\"font-weight: 400;\"> if you want to know who you are dealing with before you apply.<\/span><\/p>\n<h2><b>Is no credit check financing worth it? Pros and cons<\/b><\/h2>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No credit check and no hard inquiry<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Approval based on income, not credit history<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Only $50 down on most phones<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instant decisions and fast delivery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unlocked phones that work on any carrier<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early payoff option to keep the cost down<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No multi-year carrier contract<\/span><\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Costs more than paying cash if you go the full term (solved by paying off early)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Requires steady income and direct deposit to qualify<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Best value comes from being disciplined with the payoff window<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For most people who are blocked by credit or who want speed and flexibility, the pros clearly outweigh the cons, especially if you use the same-as-cash option.<\/span><\/p>\n<h2><b>Get approved today<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You do not need perfect credit. You do not need to visit a carrier store and hope. If you have a job with direct deposit, you can get a current iPhone or Samsung for $50 down, with no credit check and no impact on your credit, and have it in your hands within days.<\/span><\/p>\n<p><b>Get approved in about 60 seconds, no credit check, $50 down.<\/b><\/p>\n<p><a href=\"https:\/\/usedphonez.com\/buy#apply\"><span style=\"font-weight: 400;\">Start your application now<\/span><\/a><span style=\"font-weight: 400;\"> and pick your phone, or<\/span> <a href=\"https:\/\/usedphonez.com\/contact\"><span style=\"font-weight: 400;\">call or visit the Lafayette store<\/span><\/a><span style=\"font-weight: 400;\"> if you would rather talk to a real person first.<\/span><\/p>\n<h2><b>Frequently asked questions<\/b><\/h2>\n<p><b>Can I really get a phone with no credit check?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Yes. No credit check financing exists specifically for people with bad credit, thin credit, or no credit history. Approval is based on steady income and direct deposit, not your credit score, so you can qualify even if carriers have turned you down.<\/span><\/p>\n<p><b>How much do I need to put down on a phone?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Most phones at UsedphoneZ start at $50 down. Some newer, higher-value models may require a bit more. You always see the exact down payment before you commit.<\/span><\/p>\n<p><b>Does no credit check financing affect my credit score?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">No. Because your credit is never pulled, there is no hard inquiry and no effect on your score, whether you are approved or not.<\/span><\/p>\n<p><b>Why do you need my Social Security number if there is no credit check?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">It is used only to verify your identity and prevent fraud. It is a standard step and is not used to run a credit check or pull your credit report.<\/span><\/p>\n<p><b>What do I need to qualify?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Generally a valid ID, an active bank account, and a steady source of income with direct deposit. If you have those, you are likely already approved.<\/span><\/p>\n<p><b>How fast will I get my phone?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Approval is instant. If you are local to Lafayette, you can often walk out the same day. Online orders ship in 2 to 3 business days anywhere in the US.<\/span><\/p>\n<p><b>Is it cheaper to pay the phone off early?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Yes. With the 90 Days Same as Cash option, paying the full price within 90 days lets you skip the extra lease cost and pay close to the cash price. It is the most affordable way to use the program.<\/span><\/p>\n<p><b>Are the phones locked to a specific carrier?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">No. The phones are unlocked, so they work with any carrier and you are free to switch networks whenever you like.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have been turned down for a phone because of your credit, or you are dreading the hard credit pull that comes with carrier financing, you are not stuck. You can walk out with a current iPhone or Samsung Galaxy for $50 down, no credit check, and pay the rest in small weekly amounts. <a href=\"https:\/\/usedphonez.com\/blog\/no-credit-check-phone-financing\/\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":84,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-83","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-guide"],"acf":[],"_links":{"self":[{"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/posts\/83","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/comments?post=83"}],"version-history":[{"count":1,"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/posts\/83\/revisions"}],"predecessor-version":[{"id":87,"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/posts\/83\/revisions\/87"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/media\/84"}],"wp:attachment":[{"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/media?parent=83"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/categories?post=83"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usedphonez.com\/blog\/wp-json\/wp\/v2\/tags?post=83"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}