iPhones are some of the most desirable smartphones on the market. They offer unique features and a beautiful design that set them apart from other smartphones. Apple consistently releases updated iPhone models that are highly sought after by tech enthusiasts.

Because the iPhone is so trendy, it has a very expensive price point. However, there are financing options available to make purchasing an iPhone more realistic. Smartphones have become an essential for both work and personal communication, which is why phone providers offer this option.

However, if you have bad credit, it can be quite difficult to get financing for your iPhone. Because of the high price of an iPhone, many communications companies will run a credit check before setting up a financing plan. Having bad credit or no credit means that some providers won’t offer you financing.

If you have bad or no credit, don’t worry. You can still get an iPhone, it just may take a bit more effort to find the right provider for you. There are some places that will offer financing specifically for people who have bad credit. Instead of going directly through a cell phone provider, you can use these online platforms to set up a financing plan and get the device directly. Then, you can get service from your provider of choice, without having to go through them directly. There are also other ways to get an iPhone with bad credit, such as rent-to-own programs. Rent-to-own programs are one of the most accessible ways for to get an iPhone for those who are struggling financially.

In this article, we’ll talk about the most effective ways to get an iPhone, even if you have bad credit or no credit. These rent-to-own and financing programs are very accessible and can help you get the iPhone you need.

Our Top Picks For Bad Credit iPhone Financing

FlexShopper

FlexShopper is a popular rent-to-own website where you can find a huge variety of sought-after products. They offer a wide selection of iPhones and other smartphones, including some of the newest models on the market. You’ll find a full range of size and color options as well to suit your preferences.

Through this program, you’ll make a small payment every week for a year, and then you’ll own the product outright. They also offer the option to pay biweekly or even monthly if that suits your preference. You’ll have an initial lease term that lasts between 7 and 29 days, and after that you’ll have the option to return the product if you want. If you want to buy the item early at any point, you also have the option to do that. There’s no deposit required and no interest on the payments.

The application process can be completed online. Some of the requirements vary by state, and there are some states where Flexshopper is not available due to local business restrictions. It’s important to note that FlexShopper does check your credit, but they accept many people who have poor credit or no credit. If you miss your FlexShopper payments, this could negatively affect your credit score, but if you make your payments on time, it could actually help your credit score. To apply, you’ll also need to be at least 18 years old, have a current source of monthly income over $100, and have a valid checking account and social security number. Once your application has been approved and you’ve selected the phone that you want, they will ship it to the address on your account.

RentDelite

RentDelite is a rent-to-own platform that is entirely online. This is a great option for busy people who may not have time to shop in person for a cell phone. It also means there’s an excellent selection of iPhones available, as you aren’t limited to what’s available locally. In addition to iPhones and other smartphones, RentDelite offers a variety of other products, including computers, TVs, appliances, furniture, and other high ticket items.

RentDelite has a very simple application process that can be completed online. There are no credit requirements, but you do need to be at least 18 years old to rent from them. You’ll also need an email address, a proven source of income, and a credit or debit card with which to make your monthly payments. If you have all of these items ready, you can complete the application through their website. The verification process typically takes just a few minutes, and then you’ll learn the type of rental plan you’ve been approved for.

Once you’ve been approved, they will ship you your iPhone, and then you will make small weekly payments according to your budget. There are no long-term contracts, so if you decide to return your phone, you may do so after a one-month trial period. Once you make a full year of payments, the phone will be completely yours to own. You can also opt to pay your phone off early for a discount or rebate. There is no interest at all as you pay – the initial cost of the phone is all you’ll end up paying by the time the contract is over.

Gazelle

Gazelle is an e-commerce company that buys and sells refurbished iPhones. They focus specifically on selling smartphones and electronics, unlike some of the other companies on this list, which offer a bigger variety of products. Not only can you buy a refurbished iPhone with reasonable financing options, but you can also trade in an old device and get reimbursed. They offer sales on certain devices throughout the year. They also have a 30 day return policy, so you can make sure you’re completely happy with your device before committing to it.

Gazelle offers two different financing options. Their first is Affirm, a company that offers zero interest financing for large purchases. Affirm allows you to select from several monthly payment plan options and choose the one that works best for you. They do run a credit check, and they don’t offer financing for everyone. However, it’s worth applying even if you do struggle with bad credit. They don’t have any specific minimum credit requirements, so there’s a chance you may still qualify for financing even if your credit is less than perfect.

If you don’t qualify for a financing plan with Affirm, you may also be able to get financing through Katapult. Katapult is a lease-to-own program that Gazelle partners with to offer payment plans to those who don’t qualify through Affirm. There is a $45 payment up front to lease through Katapult, and then you’ll make regular payments until the phone is paid off. You’ll need to electronically sign the lease agreement, but you do have the option to return the phone to Katapult at any time if you no longer want to continue using it.

Leaseville

As the name implies, Leaseville offers lease-to-own programs for a variety of different products, including iPhones. They have a wide variety of models, colors, and sizes, so you can select the exact phone that you want. All of their phones are brand new and come in their original factory packaging.

Leaseville offers an easy online application process that you can complete in just a few minutes. After you complete the application, they’ll let you know how much money you’ve been approved for, with spending limits up to $3,500. There’s no credit check, although you will need to have a bank account, proof of income, and a valid social security number. You’ll need an income of at least $1,200 per month in order to qualify for leasing.

Once you’ve been approved, you can determine the terms of your lease and sign it online. You can opt for a payment plan that works for you, whether that’s weekly, biweekly, or monthly payments. If you want, you can save money by buying the phone out early after the first 100 days of your contract. You can also return your phone at any time during your lease. After your lease has been signed online and finalized, you can opt to have your phone sent to your home, or you can pick it up at a major retailer near you.

SmartPay

SmartPay is another online platform that offers lease-to-own services for iPhones and other popular smartphones. What makes SmartPay unique is that they offer their own wireless network, so you only need to make one total payment each month for your cell phone. Each lease is a 24 month term with no activation fees.

You will need to complete a short online application. You’ll get instant approval with a specific spending amount. You can opt to customize your payment plan to make sure it works for your financial needs. To apply for SmartPay, you’ll need to be at least 18 years old, have a valid credit card or debit card, have a valid social security number or taxpayer ID, and have a monthly income of $1,000 before taxes.

Alternatively, SmartPay works with several online partners, and you can apply on their websites as well. If you’d prefer to apply in person, you can do so by visiting one of their participating partner brick-and-mortar stores and apply there. SmartPay does not automatically perform a credit check, but you can ask them to perform a credit check if you would like. If you have poor credit or no credit, you can still get a phone using SmartPay. However, you can ask for them to perform a credit check if you believe that it will improve your lease terms. For those who have decent credit, a credit check can actually help you get lower monthly payments for your iPhone. SmartPay is a great option for those who want to pay for their financing and their monthly phone service in the same place.

Final Thoughts

Having bad credit or no credit shouldn’t limit you when it comes to getting financing for an iPhone. Since iPhones can be so expensive, it can be difficult to pay for them up front. These iPhone financing and rent-to-own companies make it easy to get the electronics you need. You can apply online, and renting an iPhone won’t negatively affect your credit score going forward.