Are you looking for free cell phones with no money down, no credit check, or planning to purchase a phone but cannot pay all the money upfront? Do you worry about your bad credit score to get a new cell phone?
The good news is that getting free cell phones with no money down or credit check is now possible. You can purchase your favourite device from your preferred carrier without any down payment or credit check.
This article covers detailed information about the same and includes a detailed guide on how to get a new phone without paying all the money upfront with no credit check, what companies offer these phones, and more.
So, without further ado, let’s begin –
Free Cell Phone No Money Down No Credit Check – Explained
In simple words, Free Cell Phones No Money Down No Credit Check refers to phone or phone deals you can get without paying any initial down payment and undergoing a credit check.
Most phone companies carry out credit checks to ensure that you can pay the monthly bill in time or 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.
Some companies offer you other options 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 avoid losses that may incur if the buyer can’t pay the money.
However, nowadays, many phone companies provide a phone deal where they offer a new phone with no credit check and no down payment.
Thankfully, these phones and phone plans are available in wide ranges. With these plans, you can have a cell phone without worrying about having bad credit or making any down payment.
Please note that this free cell phone, 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.
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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 iPhone financing with no down payment and no credit check is by opting for a 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.
However, remember that you will be paying the cost of the smartphone and your monthly airtime. Thankfully, these prepaid plans are more reasonable, making the upfront charges affordable.
Here are some of the providers that offer Free Cell Phones No Money Down No Credit Check through prepaid plans.
- T-Mobile offers a “Smartphone Equality” program for loyal customers who pay their bills on time for 12 consecutive months. This program allows you to get the best lease pricing on new phones and tablets with $0 down, without a credit check.
- Metro by T-Mobile is offering free 5G phones with no contracts and no credit checks. To save instantly, bring your number to Metro, choose a $40/mo. or higher rate plan, and pay the tax.
- For Verizon, you can get various phones, including Apple iPhone and Android devices, starting at $0 per month with a 36-month agreement at 0% APR. Getting a free phone typically involves trading in an old smartphone and signing up or upgrading to an unlimited plan
Buy Now, Pay Later Plan
The Buy Now, Pay Later option is the second way to get free cell phones, no down money, and no credit check. Most companies provide a Buy Now Pay Later option to those with good credit scores after performing a credit check.
But, some phone providers offer the Buy Now Pay Later option without a credit check. Apart from that, many Apps and websites offer a Buy Now Pay Later no credit check option.
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 the cost of your device. You have to pay for your plan, which is covered separately by the carrier.
However, you must check the phone’s origin price. Some financing options may have extremely high costs, making you pay 50% more for the device. Please read and understand the details before you sign up for any deals.
Through Family Plans
The other great option for free cell phones with no money down and no credit check is 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. The more lines you add, the more you can save. 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 offers 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. However, 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. If you want to purchase an expensive phone, they have Verizon deals for Samsung and Verizon deals for iPhone, but these phones usually have high costs, so you have to be on the network for a very long time.
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 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 should also check for the availability of T-Mobile free government phones, through the Lifeline program as this may get you a free phone with no credit check.
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 plans with other phone services, and amazing AT&T deals for existing customers. AT&T has unlimited texting with unlimited talk within the US.
To get a free phone with no money no credit check you may switch to a unlimited plan or trade in an eligible device.
The company’s most reasonable plan starts at $35 monthly 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, 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.
Recently, Sprint free iPhone was available where customers could get iPhone 13 or 14 pro max at heavy discount, customer just have to switch to an eligible plan or trade in an eligible device.
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 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.
| Carrier | Plans |
| Verizon Wireless |
|
| T-Mobile |
|
| AT&T |
|
| Sprint |
|
| Metro by T-Mobile |
|
Pros and Cons of Free Cell Phones No Money Down No Credit Check
| Pros | Cons |
| Easy access: This option is great for those who need a phone quickly without the hassle of credit checks. |
Limited choice: Often, the available phones are older models, which might not have the latest features.
|
| Saves upfront costs: You can get a phone without an initial payment, which is helpful if you’re on a tight budget. |
Higher long-term costs: While you save upfront, the monthly plans might be more expensive, adding up over time.
|
| Emergency readiness: Having a phone ensures you can call for help or stay connected during emergencies. |
Potential extra fees: Be aware of hidden costs or charges that might come with overuse or added services.
|
| Flexible commitments: These plans often don’t require long-term contracts, giving you the freedom to change or upgrade as needed. |
Lower quality phones: The phones offered might lack durability or advanced features found in newer models.
|
| Basic features include: Essential services like calling, texting, and some data are usually part of the deal. |
Limited data/service: The plan might come with restricted data usage or limited network coverage.
|
| Payment flexibility: “Buy now, pay later” options can make it easier to manage payments, especially for those with limited income. |
Extra costs with payment plans: Such plans can accrue interest, increasing the overall expense of the phone.
|
Conclusion
Free Cell Phone Plans with No Money Down and No Credit Check help people on a low budget get the phones they want. 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 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.
Can I get a cell phone contract with no credit check or money down?
Yes. You can do so by getting family plans or by getting a co-signer.
How can I get a new phone with no money?
You can get a new phone for free with Lifeline Assistance Program. This program is meant for low-income households that cannot afford to buy a phone.
Does Metro PCS check credit?
Metro PCS only checks your past payment history but no FICO score or credit history.
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