Free Cell Phones No Money Down No Credit Check

Are you looking for free cell phones with no money down no credit check, or planning to purchase a phone but cannot pay upfront? Do you worry about your bad credit score to get a new cell phone?

The good news is it is now possible to get free cell phones no money down no credit check. You can purchase your favorite device from your preferred carrier without any down payment or credit check.

This article is all about the same and includes how to get a new phone without paying upfront with no credit check, what companies offer these phones, and more.

So without further ado, let’s begin –

No Money Down Cell Phone Plans Explained

What does the “Free Cell Phones No Money Down No Credit Check Plan” mean?

In simple words, it refers to phone or phone deals you can get without requiring any initial down payment and credit check.

Most phone companies carry out credit checks to ensure that you will pay the monthly bill in time, or you can pay for the phone in the given time. They do so to prevent the losses they can incur, as many users would purchase the phone on credit and not pay for it.

While some companies offer you another option of paying a small amount upfront at the time of purchase in the name of a down payment and then allow you to pay the remaining amount in monthly installments. Down payments or credit checks are the measures adopted by phone companies to ensure that buyers would pay for their products.

However, nowadays, many phone companies provide a phone deal where they offer a free new phone with no down payment and no credit check. Phones and phone plans are available in wide ranges. If you want unlimited minutes, texts, and mobile data every month with advanced technology cell phones, your phone bills can be high.

With these free phones, you can have a cell phone without worrying about having bad credit or making any down payment.

Please note that free cell phones no money down no credit check plan does not provide a phone free of charge. You will have to pay for the phone in monthly installments for a given time, say for 12-24 months depending upon your phone model.

Moreover, most free phone deals with no money down and no credit check plan come with several terms and conditions you must meet to avail of these deals.

How to get Free Cell Phones No Money Down No Credit Check

There are several ways you can get free cell phones without any down payment or credit check –

Through Prepaid Plans

The first and best way to get free phone deals with no down payment and no credit check plan is the Prepaid Plan. You pay for your monthly airtime in advance when you use any prepaid plans. As such, no credit check is required if you pay in advance.

Moreover, prepaid plans are more reasonable, and your upfront charges are affordable. Many phone companies now offer to purchase a device in addition to airtime. You can pay for your phone in monthly payments.

Buy Now, Pay Later Plan

The second way to have free cell phones no down money no credit check, is the Buy Now, Pay Later option. Most companies provide a Buy Now Pay Later option to those with a good credit score after performing a credit check. But, some phone providers offer the Buy Now Pay Later option without a credit check.

However, you may have to pay more than you would if you were to pay the full amount upfront at the purchase time. This is a good option if you want to purchase the latest iPhone or advanced cell phones.

Most “Buy Now, Pay Later” deals come in 12-24 monthly installments. Once you pay all installments, you own the phone. You can find such deals on the carriers’ websites. It is best to check all conditions. The crucial thing to note is that the Buy Now, Pay Later option only covers your device cost. You have to pay for your plan, which is covered separately by the carrier. However, you must ensure to check the phone’s origins price. Some financing options may contain extremely high costs, making you pay for the device 150%-200% more. Please read and understand the details before you sign up for any deals.

Through Family Plans

The other great option to get free cell phones no money down no credit check is through family plans. Many carriers offer family plans with multiple lines. These family plans help you save up to 50% money.

You can get a family plan and add a line in the same account for new members. According to the plan, you get a discount for adding a line. A more number of lines means higher savings. However, most carriers allow only five lines.

The important aspect of the family plan is the carrier has the main account holder, and if the main account holder has a good credit score, other family members may get free cell phones with zero down payment and no credit check.

However, the disadvantage of this family plan is that the primary account holder will be responsible for all accounts and missed payments of other members.

Via getting a Co-Signer

You can get free cell phones no down money no credit check if you have a co-signer with a good credit score. Though many carriers do not provide this option, you can check what carriers offer this method for free phones in your area.

If you find a co-signer, you must select an affordable plan for which you can easily pay so that your co-signer does not face any consequences of delayed payment, which will affect his credit score in return.

Best companies that provide No Money Down Cell Phone Plans

Many phone companies provide no-money-down cell phone plans across the country. It is best to search for the providers in your area that provide such plans.

Here, we have listed a few best companies that offer this plan in most US states –

Verizon Wireless

Verizon Wireless is the largest American network operator, with nearly 145 million subscribers. The company provides reliable network services and great phone deals to its customers. You can also get free cell phones no money down no credit check plans with Verizon.

Verizon offers prepaid plans without long-term contracts. You will get unlimited calls and texts on all unlimited plans. But the plans vary based on the amount of mobile data. The prepaid plans start at $35 monthly and contain 3GB of data. The unlimited plan, including unlimited data, costs $65 per month.

You will get ample choices if you wish to have a phone from Verizon. The latest models will be expensive. However, the company offers Alcatel and Motorola entry-level smartphones at $59.99. If Verizon offers its services in your area, and you are interested in this company, you may check Verizon’s official website to learn more about free phones with no money down with credit check deals.

T-Mobile

With above 110 million subscribers, T-Mobile is the second-largest American wireless network operator. The company offers internet and phone services, great deals, and offers on top-branded phones. It offers Free Cell Phones No Money Down No Credit Check Plans in some parts of the country.

T-Mobile runs a program called “Smartphone Equality” that allows people to get the best deals. According to this program, T-Mobile subscribers making on-time payments on their prepaid plans for 12 consecutive months can get the best T-Mobile offers. This means that you can upgrade to a new phone at a lower price by making timely payments to your prepaid plans.

The company’s prepaid plans start at $40 monthly, which comprise 10 GB of data, unlimited texts, and calls.
You can learn about T-Mobile’s free phone deals with no money down and no credit check at its official website.

AT&T

AT&T is the major and third largest American network provider. The company offers many prepaid plans, no down money, no credit check plan with other phone services, and amazing deals. AT&T has unlimited texting with unlimited talk within the US.

The company’s most reasonable plan starts at $35 mouthy charges and includes 2 GB of data. The unlimited data plan starts at $65 per month. You can visit AT&T’s official website for more information on free phone deals.

Sprint

Sprint Mobile is an American telecommunications company that merged with T-Mobile on April 1, 2020. With around 55 million customers, it is the country’s 4th largest mobile network operator. The company offers wireless, broadband, and a wide range of phones and good phone deals and plans.

Sprint also provides Free Cell Phones No Money Down No Credit Check Plan for people with bad credit or a low budget. The company offers some deals which require down payments, while it also has amazing deals with no down money and no credit check.

The payment plans and down payment, if any, will depend on the phone model you purchased from Sprint. If Sprint is available in your area, and you want to go with this company, you can sign up for the unlimited Kickstart plan. The plan contains unlimited voice, text, and data at a $35 monthly charge.

This plan is one of the most reasonable plans without a contract, allowing you to leave anytime. This plan is a great option for people who need help paying for their device or have bad credit upfront. You can even use this plan with your old phone with Sprint’s bring-your-own-device service. Please visit Sprint’s official website for more information.

Metro by T-Mobile

Formally known as Metro PCS, Metro by T-Mobile offers only prepaid plans. The company only offers unlimited plans, meaning you can enjoy free calls, texts, and unlimited data.

In addition, Metro by T-Mobile provides multi-line discounts allowing your family to save extra money. The company offers a wide range of phones and special deals, especially in all their local stores. So, if there is any Metro by T-Mobile store near you, you can visit the store to learn more about their deals.

These deals usually include free phones with no down payment. Some deals even include buying one get one for free offers without a credit check. You can visit the company’s official website to see the best of Metro-by-T-Mobile’s deals for free phones.

Advantages and Disadvantages of Free Cell Phones No Money Down No Credit Check

The advantages and disadvantages of a free phone with no money down and no credit check plan depends on the people’s needs and wants. This is a good option for people with bad credit who need help paying for their new phones upfront or in full in a single payment. Also, different methods of availing of the free phone have pros and cons.

If you select the prepaid plan option, you can switch at any time, as a major advantage. But the need to pay for your phone in full in advance may be a disadvantage for some of you.

If you use the “Buy now, pay later” option, you can buy the most expensive and latest phone models. But the major disadvantage you get is the extra fees imposed by the financing company.

As such, the advantages and disadvantages of free cell phones no down money no credit check plans depend on several aspects of the company offering the deals, methods used in getting the free phone, etc. Therefore, it entirely depends on your suitability and needs to select any deal and offer from your preferred providers.

Conclusion

Free Cell Phones No Money Down No Credit Check Plans help people on a low budget to get the phones they want. Moreover, such plans allow individuals to purchase the latest phone models; otherwise, they cannot afford them.

Out of the given options to get a free cell phone with no down money and credit check, Prepaid Plans are considered the best choice to have a free phone. However, most free phones with no down money and no credit check deals have several terms and conditions.

So you must carefully read and understand the plans before you sign up for anything. Most deals will require you to do things you may not need. So, please examine your need for the latest expensive models before jumping into any deals.

If your job can be done by entry-level to mid-range phones, you can give a second thought to whether you really need the extra expensive one. This way, you can avoid the extra monthly payment burden on your already tight pocket.

Frequently Asked Questions

Why is my phone bill so high?

The first reason could be that you have bought an expensive plan. Second, you may need an optimal plan, meaning your Plan does not cover your amount of calls, texts, or data, and you have to pay per use. The third reason could be that you bought your phone based on monthly installments, and the monthly payment can be expensive for top-grade advanced phones.

What credit score do I need for a phone contract?

Your credit score requirement varies for different carriers. But a score of above 550 to 600 is considered a good score.

What does no money or a $0 down payment mean when buying a new phone?

It means you don’t need to make any down payment for your phone. However, please note that phones paid in full at purchase also come under no-money-down deals.