iPhone financing allows you to get an iPhone and pay later conveniently even if you have a bad credit score as most do not perform hard credit checking.
When it comes to smartphones, iPhone is up as one of the best brands that embody unique features and have almost everything you want in a phone.
But their prices do not come that easy especially when you are on a budget hence, an alternative means to own that device you want with the ability to pay back in bits.
Fortunately, there are so many platforms that will allow you to get that iPhone device with the option to pay back in bits on a bi-weekly and monthly basis.
Since many of these do not perform a credit check or just a soft check that does not impact your credit score, you can buy that iPhone and pay later and still feel safe about it not appearing on your credit history.
Best iPhone Financing Options Online
Here below are the platforms you can use to finance an iPhone and pay later, even with a bad credit score:
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Abunda
Limit
Varies
Interest
0%
Credit Check
None
Abunda is the platform with the most payment options on this list of iPhone financing with no credit check providers.
It works more as an aggregator, allowing you to get an iPhone now and pay back later using conventional split payment providers, including Klarna, ViaBill, PayPal Credit, and the leasing platform, Acima.
It employs a marketplace model with most of its products aggregated from Amazon hence, making it one of the best buys now pay later platforms to shop on Amazon.
Abunda has providers that include Klarna, PayPal, Acima, and ViaBill directly integrated on its checkout page hence, an account with any of these BNPL providers will enable you to shop for an iPhone on Amazon and split payment by connecting to any of the listed partners at the point of checking out.
The maximum amount you can access when shopping for an iOS device through this iPhone financing varies depending on the BNPL provider you selected at the checkout point. For instance, Klarna allows shoppers to access up to as much as $10,000 hence, you can spend this much on Abunda if you have up to this value as your purchasing power on Klarna.
Abunda is entirely a web-based application hence, you will always use your browser to visit its portal when you want to shop for an iPhone and pay later.
Almost all its products are sourced from Amazon and with the paste-a-link functionality on the website, you can copy the product link on Amazon and paste it on Abunda’s search field. This action will pull in the product and you will be able to order the item and deliver it to your address.
Splitit
Limit
Varies
Interest
0%
Credit Check
None
Splitit is also an amazing buy now and pays later solution provider that allows you to finance an iPhone without any form of a credit history check.
It has a different model different from the other iPhone financing with no credit check providers to determine your spending limit for a smartphone purchase. This provider relies solely on your existing credit card to determine how much you can spend.
It is more of a platform that turns your credit card into a tool you can use for split payment purchases.
While most of the iPhone financing platforms are accessible through mobile applications and you could directly shop without leaving your app, Splitit is different as it is only available at merchant checkout pages.
So, if your favorite stores operate on platforms like Shopify, Wix, WordPress, and the like, you can use this easily as it provides seamless integration for those platforms through its plugins.
To handle your repayments and manage your account, its web portal is there and you can log in to do all these from your dashboard.
You can also use Splitit to check out at some offline stores, thanks to its integration with Ingenico’s cloud-based PPaaS platform. Many merchants have this POS device and can activate BNPL on your iPhone purchase when you walk into their stores.
One good feature that makes it a good option among this list of iPhone financing with no credit check providers is its global presence which gives you the power to shop on foreign platforms and pay later with your Splitit account.
Using it for your device financing does not stop you from enjoying the current benefits you get from using your credit card hence, your cashback and rewards are still intact and you can buy now and pay later at thousands of stores.
It is a good platform, especially if you have a bad credit score but still manage to have a credit card. So, opt for Splitit if your current credit history is bad.
Perpay
Limit
Varies
Interest
0%
Credit Check
None
When it comes to financing your devices, Perpay is another good option that will allow you to own that iPhone model and you will repay back later.
It is one of the iPhone financings with no credit check platforms that rely on a different source to determine your eligibility for a payment plan shopping.
Unlike the other iPhone financing providers, Perpay will connect to your monthly paycheck for it to determine your spending power. That means that you must have existing employment before you can sign up and be approved for a Perpay order delivery.
If you are bothered about your bad credit score and you are currently employed for at least three months, it is worth noting that you can grow your credit score to a healthy state when you shop with a Perpay account.
Perpay has a premium plan called the Perpay Plus account which will help you grow your credit score by reporting your spending limit to the credit bureaus and as you repay, the history will also be reported which in turn builds your credit score.
The major credit bureaus where Perpay will report your spending limit and repayment history include Experian, Equifax and TransUnion.
Perpay users have a minimum purchase limit of $200 hence, you will not be approved for orders less than this price. Though you can change this when you are on the Plus plan as with this, the platform gives you the freedom to shop for items with a cart total of less than $200.
It is a mandatory requirement for you to be employed before you can be allowed to enjoy the benefits that come from using Perpay. And your employment must be up to at least three months.
Your eligibility depends on the success of its pre-qualification stage as you will need to submit some documents, including your paystub. Ensure you provide this as it is verifiable since for repayment, you will be remitting through payroll direct deposit.
Shopping with a Perpay account requires you to access the merchants within its marketplace to see brands like IONOS, Samsung, HP and others.
Alternatively, it has Perpay Credit Card which you can use to shop anywhere Mastercard is accepted, both online and at offline stores.
This iPhone financing platform serves you through its website; if that is not convenient, you can opt for its mobile app available for any of Google Play and App Store.
Klarna
Limit
Varies
Interest
0%
Credit Check
Soft
Klarna is another popular split payment provider you can use to buy an iPhone now and pay it back later with no real impact on your credit score.
The product is full of amazing features that make it one of the best providers of iPhone financing with no credit check.
It provides different payment options categorised into Pay Later and Slice It. While the Pay Later option allows customers to make payment for their purchases by paying the full amount within 30 days or splitting the cost into four equal payments, the Slice It allows customers to spread the cost of their purchase over several months, similar to a tenor-based loan.
It has one of the best apps when it comes to buying now to pay later for iPhone devices. Some of the features include price comparison which will enable you to compare product prices across different merchants, a rewards club that will earn you points as you shop which can be used to redeem perks on the app, a wallet feature to help you save loyalty cards within your Klarna app to so many others.
When you are shopping outside the Klarna app, you can use its virtual card to finance your iPhone purchases on merchants that do not have Klarna on their checkout pages.
Zilch
Limit
$1,500
Interest
0%
Credit Check
Soft
Zilch is another split payment provider with functionality that allows for easy iPhone financing.
Using this platform to shop for your new device is entirely through its virtual card which can be used to checkout on platforms that accepts Mastercard.
Since it is entirely through its virtual card, it means you have the freedom to buy on any merchant platform and pay later for the purchase through your Zilch card.
Your Zilch card can be used anywhere MasterCard is accepted and to ensure safety, you will need to unlock the card by logging in to your Zilch account before you will be able to use it to settle a merchant that sells iPhone devices.
When it comes to Zilch repayment, you can choose to span it from 6 to 12 weeks, with equal weekly or bi-weekly instalments.
Zilch supports early full repayment and it is an interesting way to save as you earn cashback when you pay the full price early, especially at checkout.
Since Zilch does not have extra features like in-app shopping and some others common to many iPhone financing with no credit check providers, its app is there to enable you to manage your card and repayment.
Afterpay
Limit
$600
Interest
0%
Credit Check
Soft
Afterpay is another popular platform you can use to buy an iPhone now and pay later on thousands of merchant platforms.
With millions of users, there is no doubt amazing features will keep them glued to keep using it for shopping to pay later and one of those is its in-app shopping that gives you the convenience to shop at thousands of retailers within its app hence, no need to have multiple apps for varying shopping needs.
This iPhone financing provider also has different payment plans including the option to repay in six weeks or you can spread the repayment over 6 months and up to 12 months.
The split payment provider can be used at thousands of online shopping malls and through its virtual card, it gives you the power to use it offline by seamlessly connecting it to any of your Google Pay or Apple Pay wallet and use it offline to finance your iPhone purchases.
As common to many of the iPhone financing with no credit check providers on this list, Afterpay performs only a soft credit check which does not impact your credit score rather, done to help it determine your spending limit.
Its service is available directly at merchant gateways, you can also access it through its website and manage your account effortlessly via the mobile app.
Affirm
Limit
$17,500
Interest
0%
Credit Check
Soft
Affirm is one of the big payment brands in the buy now and pay later industry and has one of the largest coverage in customer bases as well as several merchants under its fold.
It has a direct integration with iPhone financing merchants, you will likely see it when checking out on popular platforms like Amazon and others.
When it comes to buying now, pay later virtual card offerings, this is one provider that is not left behind as it also provides a virtual card that can be used to shop hundreds to thousands of merchants both online and offline.
With up to $17,500 that can be assigned to you, there is no doubt you should be able to handle all your iPhone financing need through this provider without being bothered by any impact on your credit score.
Affirm provides different channels when you want to use it to buy an iPhone now and pay later, including its website and mobile app. Alternatively, you can utilise its browser extension and flexibly shop and split repayment effortlessly.
Zip
Limit
$1, 000
Interest
0%
Credit Check
Soft
This is another split payment provider you can use for iPhone financing with no credit check.
Many merchants dealing in Apple-based devices have Zip directly at checkout hence, an account with them means seamless usage on these merchants’ platforms.
This platform has a presence across thousands of retailing providers and to allow you to use it effortlessly on other platforms, it provides a virtual card that connects to your purchasing power which you can use to schedule your repayment on millions of shopping gateways.
It also supports in-app shopping and you can directly buy from thousands of its merchants directly on the app, track your order delivery and manage repayment when needed without having to keep multiple applications installed on your device.
Alternatively, you can enjoy its services via the web portal and it has a browser extension you can as well utilise for split payment shopping.
Zip also provides a physical card and it can be used to shop both online and offline at any merchant that sells iPhone devices.
PayPal Pay in 4
Limit
$1,500
Interest
0%
Credit Check
Soft
PayPal is one of the most popular payment brands globally with millions of users worldwide. The introduction of its Pay-in-4 product allows you to split payment for purchases across its millions of merchants.
With its very wide coverage, you can get thousands of merchants within the electronics and smartphone industry where you can finance your iPhone purchase.
Through Abunda, you can use PayPal Pay-in-4 to finance an iPhone on Amazon.
While it is possible for you to get virtual cards you can use to order payments on merchants’ platforms using Klarna and some of the iPhone financing providers, PayPayl does not have that feature for its Pay-in-4 product but with millions of merchants, you might not really be bothered as you can almost get PayPal being accepted by many of your favourite brands.
The PayPay Pay-in-4 is not available for store walk-in purchases as you can only take advantage of it when shopping with merchants that accept it on their shopping portals.
It has a limit that starts from $30 up to its maximum of $1,500, there is no doubt you can use it to buy now and pay later for that iPhone device you want to own.
PayPal also performs a soft credit check to help it determine the purchasing power to be assigned to you. And as you know, this is a common practice for many of the iPhone financing providers but its soft check also does not have any impact on your credit score.
This PayPal product also has the monthly option that can allow you to spend up to $10, 000 to cover high-cost items. While this is an added service to enable you to finance your favourite products, it comes at a cost.
The monthly plan which can extend to a tenor of 24 months comes at an annual percentage rate of 9.99% up to 29.99% depending on the length of the financing.
Shopping and payment splitting for the iPhone device happen only on the merchant’s portal that accepts PayPal on its checkout gateway hence, you only need the PayPal app to monitor your repayments.
Sezzle
Limit
Varies
Interest
0%
Credit Check
Soft
Sezzle is another good alternative to the iPhone financing providers on this list which you can use to order your device and pay conveniently in 4.
In terms of its coverage, you can shop for electronic and smart devices on merchants’ portals with this pay-in-4 provider once you have an account with an assigned purchasing power.
It also supports in-app shopping allowing you to buy now and pay later for iPhones on merchants like Amazon, Walmart and more.
Sezzle is one of the iPhone financing providers with multiple channels of payments through its, presence at checkout gateways and its virtual card gives the power to buy and pay later for iPhone at offline stores.
The virtual card can be used at selected retailers and a handful of merchants accept the card. You can have an idea if the merchant you want to shop from accepts it by navigating to the Sezzle card section when you are logged in.
Akin to the other iPhone financing providers, Sezzle also performs a soft credit check that does not affect your credit score. This is done to allow it to determine how much spending limit to be assigned to your account.
Sezzle also allows you to build your credit score, it does not require you to pay an extra fee to have this in place. This service called Sezzle Up requires that you upgrade your account by connecting your bank account, confirming your personal details by linking your Social Security Number, and paying off at least one order before you will be able to enjoy this free service.
For all other Sezzle users, the platform offers a reward-based program that will enable you to earn loyalty points for every $1 spent. The points per dollar are 2 and once you get up to 1,000 points, you will get $5 which will be added to your spend wallet that will be used to pay a part of your next scheduled split payment.
Though it has amazing features you can access without paying any extra fee, this iPhone financing gateway also comes with a premium package that has perks like access to shop premium brands, enjoy cashback on purchases, and free payment rescheduling amongst others. This comes at an annual cost of $89.99 but if you want to try it for a few months, you can opt for its monthly $9.99 plan.
ViaBill
Limit
$1,500
Interest
0%
Credit Check
Soft
ViaBill is also one of the popular buy now pay later apps you can use to buy an iPhone now and pay later.
It can be used to make payments to many merchants when you are shopping online as well through walk-ins to offline stores.
The platform has a premium account called ViaBill+ which provides a virtual card which you can link to your Apple Pay or Google Pay wallet for easy checkout at merchant locations.
When you have the ViaBill+ account, you will enjoy a limit of up to $1,500 and can also extend the instalment payment up to 4 – 24 months.
Though the Plus account appears amazing, it comes for $5.99 charged monthly when you are on ViaBill pay-in-4 settlement schedules.
The virtual card offered when you are a Plus user gives you more power as it supports being used on many of the online portals hence, allowing you to finance your iPhone device at merchants that do not support ViaBill directly.
ViaBill, similar to some of the iPhone financing providers on this list is only available at the point of checkout and does not provide a feature for in-app shopping hence, you will only be able to use it to shop directly on merchants that accept it as a mode of payment or for Plus user, logging in to your dashboard to get the virtual card details that you can use to make payments.
Getting a high-end product from a brand like Apple is great considering the features that come with their devices.
Premium products can be high in cost and paying for the price upfront may be inconvenient especially when you have other things to sort out.
Thankfully, there are many buy now, pay later platforms that support iPhone financing through which you can buy the device and pay at ease in bits on a weekly or monthly basis.
Since many of these allow you to get the item without any hard credit check that could impact your credit score, you can opt for them and pay at ease conveniently for your new iPhone.
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