iPhone buy now pay later options are a good choice for convenience and most used by online stores requires no hard credit check.
Discover a variety of iPhones and enjoy the ease of buy now pay later options at different online stores, even with less-than-perfect credit.
Whether you want a quick iPhone upgrade or need to change from your current device brand, these payment options make it simple, often without extensive credit checks.
Best Online Stores With iPhone Buy Now Pay Later for Options
Here is a list of leading online stores that offer buy now pay later options for iPhones and accessories:
Amazon
Accepts
Prime Visa, Citi Flex Pay, Affirm, Amazon Monthly
Category
Marketplace
Tip: Amazon offers multiple iPhone buy now pay later payment options, including allowing customers to use Affirm, Prime Visa for up to 12 months interest-free, or the pay in 5 interest-free monthly payment for qualifying purchases.
Amazon’s marketplace features many iPhone models, from the old versions to newer sets, refurbished or new devices.
You can purchase iPhones and related accessories using various payment methods, such as Citi Flex Pay, Affirm, and Amazon’s monthly financing.
Additionally, there is Prime Visa which adds to the different buy now pay later options for Amazon you can use to finance your new mobile gadget.
Simplify your iPhone shopping on the platform by opting for delivery to a nearby Amazon Hub Locker. Retrieve your iPhone once you receive a notification that your parcel has arrived.
Amazon offers options from multiple financing providers, allowing you to shop and defer payments for your iPhone purchases.
You can also try using Katapult on Amazon as it has different methods for shopping on the marketplace.
Additionally, you can utilize Acima for payments on Amazon, similar to Katapult, providing flexibility to choose the payment option that aligns with your preferences.
If you have a Citi credit card, you can also enjoy post-transaction splitting for Amazon purchases using Flex Pay.
Abunda
Accepts
PayPal, Acima, PayTomorrow, Klarna
Category
Financing
Tip: Abunda is another amazing platform providing iPhone buy now pay later financing through its integration with PayPal, Acima, Klarna, and PayTomorrow.
Abunda is a financing gateway for products listed on the Amazon marketplace allowing you to access them with payment-splitting services that are not supported directly.
It maintains virtual inventory with all its products aggregated from Amazon to enable you to pay weekly or monthly using PayPal, Acima, Klarna, PayTomorrow, and others you will not see when making payments directly on Amazon.
For swift iPhone shopping and financing, Abunda provides a user-friendly tool.
Paste an Amazon product link into its search field, making the iPhone available for purchase within minutes.
Alternatively, search for the desired iPhone on the platform, and it will retrieve the device for you to complete the order with any of its financing providers.
Walmart
Accepts
Affirm
Category
Marketplace
Tip: With amazing models in its collection, Walmart’s iPhone buy now pay later option is worth trying as it supports financing through Affirm.
This retailer is one of the top destinations to explore options for iPhone buy now pay later that should be on your list for consideration.
With an extensive inventory, you can discover any iPhone model of varying specifications you require, both new and refurbished at Walmart.
One of the available payment methods on the Walmart website includes Affirm, allowing you to spread the expenses of your purchases easily.
Moreover, for those in proximity to a Walmart store, a convenient walk-in pickup option is available once your order is verified.
The website’s product range has significantly expanded with the inclusion of its marketplace feature.
This implies that, besides Walmart’s products, you can now explore offerings from other merchants selling on the platform.
With a growing number of sellers, a diverse selection of iPhones and other gadgets are available for purchase, complemented by flexible payment plans.
This establishes it as a robust alternative to many retailers providing iPhone buy now pay later financing options on this list.
Perpay Marketplace
Accepts
Own Credit
Category
Financing
Tip: Perpay provides iPhone buy now pay later options to individuals with active employment who receive their salaries through payroll direct deposit.
Perpay is popular, especially for working individuals who use it as a non-employer-sponsored employee purchase program to handle their product shopping in installments.
This iPhone buy now pay later provider operates through its marketplace where you can browse through products in its collection and make your order.
To qualify for its spending limit, Perpay mandates a payroll direct deposit, necessitating active employment.
Additionally, Perpay offers a credit card that extends your purchasing capacity beyond its marketplace, providing enhanced flexibility for your shopping requirements.
Apple
Accepts
Apple Pay Later, Its Credit Card
Category
Retail
Tip: You can also access iPhone buy now pay later options when shopping directly at Apple through its Pay Later and store credit card.
You cannot have a list of stores providing iPhone buy now pay later financing options without mentioning its maker, Apple.
Thanks to the Pay Later service which will allow you to spread your purchases into four installments or opt for its store credit card.
While the Apple Pay Later option is for a six-week term, you can enjoy long-term financing using its credit card.
The card is powered through its partnership with Goldman Sachs and sits on your wallet hence, easily accessible when needed.
Being a Mastercard, you can use it almost everywhere including for international transactions.
Best Buy
Accepts
Progressive, Citi Flex Pay
Category
Retail
Tip: Best Buy allows iPhone buy now pay later purchases and financing for other items through its integration with Progressive Leasing and Citi Flex Pay.
For acquiring iPhones, laptops, and similar electronic devices, Best Buy stands out as a premier destination.
It boasts an extensive array of consumer electronics, catering to diverse tech requirements. It facilitates convenient payments through its store credit card powered by Citi, featuring the Flex Pay option.
Furthermore, for iPhone purchases and other electronics, Best Buy extends alternative payment options.
This includes integration with Progressive, their leasing provider, providing the opportunity to secure shopping credits for financing electronics through lease-to-own terms.
This platform offers an extensive range of iPhones, including the latest and old models.
Similarly to many in-store buy now pay later options, Best Buy offers the convenience of walk-in purchases and pick-ups from any of its retail outlets.
Target
Accepts
Affirm
Category
Retail
Tip: Target is another retailer that enables iPhone buy now pay later shopping through Affirm and its store credit card.
Target is a multi-varied shopping destination, offering diverse products, including electronics, furniture, appliances, groceries, and more.
For convenient financing options, Target works with Affirm, allowing customers to enjoy buy now pay later for iPhones and other items.
Additionally, Target extends a credit card option for financing purposes which you can also apply for when you are on its portal.
Similar to many retailers, Target provides the convenience of in-store pickup, allowing customers to get their ordered packages from a nearby location when available.
Target’s RedCard offers a financing avenue with promotional discounts for users leveraging their credited balance.
The RedCard is available in different types, including credit, debit, and reloadable versions, each offering distinct benefits.
Opting for the credit type is recommended if you want an alternative to facilitate iPhone buy now pay later and purchases for similar electronic devices at Target.
Venue
Accepts
Synchrony, Acima, Satisfi
Category
Financing
Tip: Venue is one of the platforms that provides iPhone buy now pay later options through their in-house managed marketplaces. Its financing methods include Acima and Synchrony.
Venue is an online shopping platform that offers a distinctive buy now pay later (BNPL) service, providing customers with the flexibility to purchase iPhones and other products with convenient installment plans.
The platform caters to a diverse range of needs, offering an extensive product catalog that includes electronics, fashion, home goods, and more.
Through Venue’s BNPL option, users can access high-quality products and make payments in installments, enhancing affordability and accessibility.
The purchasing power provided by Venue’s financing partners is applicable solely within the Venue marketplace.
Opt for the Acima option if you possess a reliable income source.
Alternatively, consider the Synchrony route if you are unable to get approval through Acima.
Zebit
Accepts
Own Credit
Category
Financing
Tip: Zebit is primarily a payment plan service provider hence, a good destination to enjoy iPhone buy now pay later options through its store purchasing power.
Zebit provides a shopping platform where customers can access a variety of products, such as electronics, appliances, and furniture, without the need for a credit check.
The platform offers credit limits and flexible repayment terms, providing individuals with the opportunity to obtain essential items while building their credit scores.
With payment plans extending over six months or longer, users can choose options that best suit their needs and financial preferences.
Zebit stands out as a valuable platform, offering an extensive product catalog, transparent pricing, and the ability to finance purchases with a purchasing power of up to $1,500.
This makes it a sought-after choice for individuals looking for convenient iPhone buy now pay later options, especially when seeking long-term plans for smartphones and related products.
Newegg
Accepts
PayPal, Zip, Affirm, Store Credit Card
Category
Retail
Tip: Newegg enables iPhone buy now pay later financing and for other electronics when you checkout through its payment plan methods including PayPal, Zip, Affirm, and its store credit card.
This online retailer provides different specifications of iPhones, including regular and unlocked devices from its refurbished and new models collection.
Newegg facilitates the use of your existing purchasing credit from PayPal, Affirm, or Zip for acquiring different iPhone models, allowing you to manage payments through adaptable installment plans.
Additionally, you can explore their store credit card, providing the advantage of purchasing iPhones and settling payments later without incurring interest charges.
For iPhone purchases or shopping carts totaling $199 or more, you can enjoy up to six months of interest-free financing.
Additionally, for eligible devices or shopping carts with a total value of $499 or more, a 12-month interest-free option is available.
eBay
Accepts
PayPal
Category
Marketplace
Tip: eBay’s iPhone buy now pay later option is through its support for PayPal Credit on the payment page.
eBay, seamlessly integrated with PayPal, stands out as a one-stop destination for individuals on the lookout for iPhones and accompanying accessories.
With a marketplace showcasing a broad range of iPhone models and electronic devices from numerous sellers, eBay sits as a top choice among platforms offering iPhone buy now pay later options for Apple enthusiasts.
Utilizing PayPal services like Pay-in-4 and PayPal Credit, shoppers gain the flexibility to split payments effortlessly while exploring the extensive range of devices available on eBay.
Within its marketplace, eBay has an extensive selection of iPhone models and electronic products from various sellers, establishing itself as a prime destination for those interested in the buy now pay later option for Apple devices.
Stoneberry
Accepts
Own Credit
Category
Financing
Tip: Stoneberry’s catalog also supports iPhone buy now pay later shopping financed through its store credit option at checkout that you can apply for to see eligibility.
This platform prioritizes product financing, offering items across various categories with adaptable payment plans.
Its buy now pay later catalogs include extensions like Masseys, Mason Easy Pay, K. Jordan, and Fifth & Glam, tailored to specific shopping needs.
Providing in-house financing, this platform, akin to many similar iPhone buy now pay later providers, enables you to qualify for store credit without the need for a rigorous credit check.
It provides a variety of products, including washers, dryers, appliances, and clothing, all accessible for convenient buy-now-pay-later shopping.
Purchasing Power
Accepts
Own Credit
Category
Retail
Tip: Purchasing Power offers up to $1,000 for iPhone buy now pay later purchases and other products, requiring active employment and employer participation on the platform.
Purchasing Power is an e-commerce financing solution provider specializing in employee purchase programs.
It enables workers to access essential products through automatic payroll deductions which happen in line with their paycheck cycle.
The platform features a diverse range of consumer goods, including electronics, appliances, furniture, and other items.
Purchasing Power collaborates with employers to facilitate affordable access to essential items for their employees.
This buy now, pay later service allows staff to shop without credit checks or down payments, opting for manageable repayments through payroll deductions over an agreed-upon period.
Sears
Accepts
Zip, Katapult, Citi Flex Pay
Category
Marketplace
Tip: Sears is another amazing platform that provides iPhone buy now pay later options through Zip as well as Katapult at checkout. Flex Pay is also accessible if you have its credit card powered by Citi.
Sears stands out as a versatile shopping destination, offering a wide array of products, including electronics, appliances, clothing, tools, and home improvement items to meet diverse consumer needs.
Within its extensive product range, Sears features a collection of iPhones, covering various models and specifications, including new and refurbished options.
To enjoy Sears’ iPhone buy now pay later and for other items in its collection, you can opt for the Zip payment method at checkout.
Another financing option available on their payment gateway page is Katapult, enabling lease-to-own agreements for iPhones and other items of choice.
For more flexibility, the platform provides a store credit card powered by Citi. Upon approval, users can benefit from purchase splitting through Flex Pay, making it convenient to manage payments for their chosen products.
Curacao
Accepts
Acima, Curacao Credit
Category
Retail
Tip: Curacao is a renowned retail chain and extends its support for iPhone buy now pay later purchases through Acima and its store credit.
Curacao is a popular platform and one of the destinations where you can access iPhone buy now pay later options both online and in their retail locations.
With a significant presence in large-format stores, it offers various products, including electronics, appliances, furniture, PlayStation devices, and other items.
On the checkout page, you can finance purchases by selecting the Acima option to place your order on a lease-to-own term.
Alternatively, you can apply for Curacao’s store credit, streamlining the process of financing the iPhone device you desire.
Leveraging a substantial network of physical store locations, you also have the flexibility to opt for in-store pickup for your approved financing orders, enhancing convenience for your shopping experience.
P.C. Richard & Son
Accepts
Affirm, Acima, Synchrony
Category
Retail
Tip: PC Richard & Son supports iPhone buy now pay later orders when you pay with any of Acima, Affirm, and its Synchrony-powered store credit.
PC Richard & Son, a prominent retail chain with a strong presence in the northeastern United States, extends its offerings through both physical stores and an accessible website.
Here, you can browse and purchase a diverse range of products, including various models of iPhones.
To enhance flexibility in shopping, PC Richard & Son has integration with Affirm, allowing customers the convenience of buying iPhones and other products with a buy now, pay later option.
Additionally, customers can choose Acima at checkout to apply for a lease-to-own arrangement, expanding the range of payment choices.
Furthermore, the store extends its support with store credit powered by Synchrony, offering customers an alternative method for financing their purchases.
HSN
Accepts
HSN FlexPay
Category
Retail
Tip: HSN’s iPhone buy now pay later financing is handled in-house through its proprietary FlexPay.
Home Shopping Network (HSN) is a popular online retailer renowned for its diverse range of products, from electronics and fashion to home goods and beauty products.
It provides an easy-to-use interface and comprehensive product offerings making it a go-to destination for consumers.
While it is a good alternative to this list of iPhone buy now pay later retailing providers, it might not be the best for new device financing.
Its credit limit for the cell phone category is set to a maximum of $500 hence, you will only be able to buy pre-owned devices when shopping on HSN.
Electronic Express
Accepts
Synchrony, Affirm, Acima, Progressive, Snap
Category
Retail
Tip: You can access iPhone buy now pay later options when shopping on Electronic Express by paying with any of Synchrony, Affirm, Acima, Progressive, and Snap Finance.
Electronic Express is a retail destination known for its wide selection of electronics, appliances, and gadgets.
With a focus on providing cutting-edge technology, they offer various payment options, including iPhone buy now pay later options through the Synchrony-powered store credit and Affirm.
You can explore the latest iPhone models, laptops, and other electronic devices with the flexibility of financing.
In addition to the Affirm and Synchrony payment methods, you can also apply for lease-to-own when shopping on Electronic Express. Simply select from any of Acima, Progressive, and Snap Finance.
Swappa
Accepts
Zip
Category
Retail
Tip: Swappa enables iPhone buy now pay later orders through its acceptance of Zip at checkout but note that only pre-owned devices are available.
Swappa is an online marketplace specializing in the buying and selling of gently used electronic devices, including iPhones.
It accepts Zip as a buy now pay later option, allowing customers to finance their device purchases conveniently.
The platform offers a variety of iPhone models at competitive prices, including unlocked and from carriers that include AT&T, Verizon, T-Mobile, Cricket, and others.
Whether seeking the latest iPhone or older models, Swappa’s marketplace serves as a reliable source for cost-effective and sustainable tech solutions.
Decluttr
Accepts
Klarna
Category
Retail
Tip: Decluttr’s iPhone buy now pay later financing for refurbished devices in its inventory is provided through Klarna.
Decluttr is a user-friendly online platform that specializes in buying and selling refurbished tech gadgets, including iPhones.
Their marketplace offers a diverse range of devices at competitive prices, and just like Swappa, it has different versions of iPhones, unlocked and from varying carriers.
Klarna’s integration enhances the overall shopping experience on Decluttr, making iPhones more accessible to a broader audience.
With up to twelve months warranty covering your purchases on Decluttr, it is a good destination to use and access iPhone buy now pay later options, especially for pre-owned versions.
List of Online Stores With iPhone Buy Now Pay Later Options
The below table contains a list of 39 plus stores that offer buy now pay later for iPhone devices and accessories:
STORE | TYPE | ACCEPTS |
|---|---|---|
Abt | Retail | Synchrony |
Abunda | Financing | PayPal, Acima, PayTomorrow |
Amazon | Marketplace | Amazon Monthly, Affirm |
Apple Store | Retail | Apple Pay |
BackMarket | Retail | Affirm, PayPal |
Best Buy | Retail | Progressive, Citi Flex Pay |
Costco | Retail | Citi Flex Pay |
Curacao | Retail | Acima, Curacao Credit |
DailySale | Retail | PayPal, Shop Pay, Apple Pay |
Decluttr | Retail | Klarna |
eBay | Marketplace | PayPal |
Electronic Express | Retail | Synchrony, Affirm, Acima, Progressive, Snap |
Fingerhut | Financing | Own Credit |
FlexShopper | Financing | Own Credit |
Gazelle | Retail | Flex |
Leaseville | Retail | Progressive |
LutherSales | Financing | Own Credit |
MDG | Financing | Own Credit |
Micro Center | Retail | Insider Credit Card |
Montgomery Ward | Retail | Own Credit |
Newegg | Retail | PayPal, Zip, Affirm, Store Credit Card |
P.C. Richard & Son | Retail | Affirm, Acima, Synchrony |
Perpay Marketplace | Financing | Own Credit |
PhoneCrib | Retail | Acima, Progressive |
PhoneforLease | Financing | Affirm, Progressive |
Purchasing Power | Financing | PayPal, Apple Pay, Crutchfield Installment |
QVC | Retail | Easy Pay |
Reebelo | Retail | Affirm |
Sam's Club | Retail | Sam's Club Credit (PLCC) |
Sears | Marketplace | Zip, Katapult, Citi Flex Pay |
Stoneberry | Financing | Own Credit |
Swappa | Retail | Zip |
Target | Retail | Affirm |
Tech Easy Pay | Financing | PayTomorrow, Progressive Leasing |
The Future Mobile | Retail | Progressive |
Venue | Financing | Acima, Synchrony |
Visible Wireless | Carrier | Affirm |
Walmart | Marketplace | Affirm |
Zebit | Financing | Own Credit |
Many online retailers now provide convenient buy now pay later options specifically designed for iPhones and related accessories. This allows you to acquire the latest technology without the immediate burden of full payment.
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