Top 10 Places That Offer Bad Credit iPhone Financing

the Top 10 Places That Offer Bad Credit iPhone Financing

Looking for the Top 10 Places That Offer Bad Credit iPhone Financing for bad credit?

iPhones are among the most sought-after smartphones on the market. They stand out from other smartphones due to their unique features and beautiful design. Apple releases updated iPhone models that are highly sought after by tech enthusiasts on a regular basis.

Because the iPhone is so popular, it has a high price tag. However, financing options are available to make purchasing an iPhone more feasible. Smartphones have become indispensable for both business and personal communication, which is why phone companies provide this option.

However, if you have bad credit, it may be difficult to obtain iPhone financing. Due to the high cost of an iPhone, many communications companies will conduct a credit check before establishing a financing plan. Because you have bad or no credit, some lenders will not provide you with financing.

Don’t be concerned if you have poor or no credit. You can still get an iPhone; it may just take a little more work to find the right provider for you. Some places will provide financing specifically for people with bad credit.

Instead of going through a cell phone provider, you can set up a financing plan and get the device directly from these online platforms.

Other options for getting an iPhone with bad credit include rent-to-own programs. Rent-to-own programs are one of the most affordable ways for those with limited financial resources to obtain an iPhone.

In this article, we’ll go over the best ways to get an iPhone even if you have bad or no credit. These rent-to-own and financing options are widely available and can assist you in obtaining the iPhone you require.

Top 10 Places That Offer Bad Credit iPhone Financing for bad credit

1. Rent-2-Own

Top 10 Places That Offer Bad Credit iPhone Financing

Rent-2-Own is a company that has been in business for over two decades, providing people with bad credit with financing for a variety of items such as furniture, electronics, and appliances. Customers can choose from hundreds of items, making it one of the best places for anyone looking for bad credit iPhone financing.

They operate in the following manner: they provide you with the items you require on rent, and you pay in small amounts with no additional charges on their price. You get some of the best rental rates, and once you complete the payment, you fully own the phone.

To apply for an iPhone, you must have an active payment method (credit card, debit card, or checking account), a valid photo ID, and proof of income. If you have all of these, you should apply online at their website.

Once approved, the first payment is due at lease signing, followed by weekly payments until the lease is completed. Follow the Rent-2-own official website for more importation.

2. RentDelite

Rent Delite provides an affordable and convenient way to obtain the most recent electronics, computers, televisions, and other items. Unlike when you buy on credit, rentdelite does not charge you interest or have any hidden fees. You only need to pay the rental fee when you use the phone.

Unlike traditional rent-to-own stores, everything with rent delite is done online. This eliminates the need to travel long distances to stores or sit around while waiting for the product to be ready.

Furthermore, the approval process is quick, as it only takes a few minutes to find out if you are eligible for the phone. When you place your order, the first payment will be deducted automatically, and subsequent payments will be deducted on each payday of the week until the item is fully paid. You can also pay off the phone early to get a discount or return it after one month.

Some of the requirements include having a valid bank account that is at least three months old, proving an active source of income, and being over the age of 18.

3. The FlexShopper

FlexShopper is another company that helps people with bad credit get the things they want. If you qualify for the product, weekly lease payments will be deducted automatically based on the terms, which may vary depending on your state.

Once you have completed the 52-week payment plan, you will have full ownership of the product. Something unique about this provider is that no deposit is required before receiving the product.

Furthermore, qualifying is simple because most credit levels, including no credit and poor credit, are accepted. You must, however, have a checking account that has been operational for the last 90 days since the day it was opened, as well as proof of active income.

If you’re interested in FlexShopper, go to their website and fill out the application to see if you qualify.

4. SmartPay

Top 10 Places That Offer Bad Credit iPhone Financing

SmartPay offers lease-to-own products to qualified customers. What they do is break down the cost of the item you want, such as an iPhone, into low, affordable payments, providing you with outstanding bad credit iPhone financing solutions.

You don’t have to have perfect credit to get a phone. When you apply and are approved, you will be required to pay a fee based on the value of the product you lease and the terms of the plan you qualified for. Unlike other providers, SmartPay allows you to review your payments and terms before the lease expires.

To lease a product from SmartPay, you must first fill out an online application. When your application is approved, you will be able to shop with the lease amount that you qualified for. The total number of payments required is determined by the term length and frequency of payment.

Customers must provide proof of income, credit or debit card, and a valid ITIN or Social Security number. Visit their website to apply online, and then use your approval to shop at their retail locations or online.

5. Gazelle

With great plans for people who need financing, Gazelle makes purchasing an iPhone more affordable. With the high prices of most Apple devices, Gazelle is committed to assisting its customers by reducing the financial burden and making the process easier for them to manage.

Customers can choose between a three-, six-, or twelve-month financing plan, with low monthly payments starting at $23. Depending on the model and price, the rates could range between 10% and 30%.

If you’re ready to get started, go to Gazelle and select your certified pre-owned device, then select Affirm as your payment method when you check out. Affirm will perform a credit check, but the decision will not be based on your credit score. It will then provide you with the option of enabling automatic payment on due dates.


Top 10 Places That Offer Bad Credit iPhone Financing believes that everyone, regardless of credit history, deserves the opportunity to own the phone of their dreams. That is why they offer to finance people who have bad credit, no credit, or have recently filed for bankruptcy.

Their straightforward online application process takes only a few minutes to complete, and you can be approved for up to $5,000 in minutes. Furthermore, there are no hidden fees or compounding interest rates – you will know exactly what your payments will be from the beginning.

So, if you’re looking for a way to finance your new iPhone, Upstart is the way to go. Apply now and you’ll be on your way to owning the phone of your dreams!

7. Leesville

Leaseville, as the name suggests, provides lease-to-own programs for a variety of products, including iPhones. They have a wide range of models, colors, and sizes, allowing you to choose the exact phone you want. Their phones are all brand new and still in their original factory packaging.

Leaseville has a simple online application process that takes only a few minutes to complete. After you submit the application, they will notify you of the amount of money you have been approved for, with spending limits of up to $3,500.

There will be no credit check, but you must have a bank account, proof of income, and a valid social security number. To qualify for leasing, you must have a monthly income of at least $1,200.

Once approved, you can negotiate the terms of your lease and sign it online. You can choose a payment schedule that works for you, such as weekly, biweekly, or monthly payments. You can save money by purchasing the phone after the first 100 days of your contract.

You may also return your phone at any time during the term of your lease. After you’ve signed and finalized your lease online, you can choose to have your phone delivered to your home or pick it up at a major retailer near you.

8. Barclaycard:

Top 10 Places That Offer Bad Credit iPhone Financing

The final option on our list is Barclaycard. This company offers iPhone financing to people with bad credit, which can be a great way to get the device you want without worrying about your credit score.

However, it’s worth noting that Barclaycard has some fairly stringent eligibility requirements. To be approved for financing through this company, you must have a good credit score and be able to show that you can afford the monthly payments.

If you meet those requirements, however, Barclaycard can be an excellent way to obtain an iPhone even if your credit isn’t perfect.

9. CashUSA.Com

CashUSA is a well-known online financing platform that provides loans for Apple products. They connect clients in need of financing with low-cost, dependable lenders. Creditors help you get the money you need to buy the product you want from Apple and other companies. Fortunately, this leading platform does not check borrowers’ credit history.

10. MoneyMutual

Top 10 Places That Offer Bad Credit iPhone Financing

MoneyMutual is a dependable and efficient way to obtain a loan for an Apple product, including iPhone Financing without a credit check. This financial platform, like CashUSA, provides creditors with quick and dependable access to clients. 

To take advantage of it, you must be a US citizen or a permanent resident. It offered online services that included an application form. The interested client will fill out the form with personal information before clicking the submit application button. You will then be put in touch with a potential creditor. Credit checks are not performed in this network.

Frequently Asked Questions

Is Apple’s own iPhone financing available for people with bad credit?

Apple does, in fact, offer iPhone financing.

In fact, it considers factors other than your credit score. It provides direct financial assistance, allowing customers to purchase phones and other products as long as they pay the agreed-upon leasing period.

Apple’s financing program is intended to help customers with limited financial resources buy Apple products.

Customers can shop for and buy items without having to worry about a credit check. The quality of the service or product will not be compromised, but you must pay within two months.

How Do You Get An iPhone If You Have Bad Credit?

Rent-2-Own or RentDelite can help you get an iPhone even if you have bad credit. These services let you pay for your phone in monthly installments and do not require a credit check.

Rent-2-Own is a company that lets you rent electronics, furniture, and appliances. You can pay for your items in monthly installments, and no credit check is required.

RentDelite is a comparable service that lets you rent smartphones. You can pay for your phone in monthly installments, and no credit check is required.

Is it possible to get an iPhone even if you have bad credit?

Yes, you can get an iPhone even if you have bad credit. However, your contract terms will most likely be less favorable than if you had good credit. For example, you may be required to pay a higher interest rate or make a larger down payment on your phone. It’s also possible that you won’t be able to get a contract that includes device protection or insurance.

What credit score is required when applying for iPhone financing through Apple?

Applicants with credit scores of 600 or higher are typically approved by Apple. It is important to note, however, that your credit score is only one of the factors considered by the company when making a lending decision. Apple may consider additional factors such as your income, debt-to-income ratio, and credit or debit card history. So, even if you don’t have a 600 credit score, if you meet the other eligibility requirements, you might be able to get approved for iPhone financing.

How long will it take to approve iPhone financing?

It is usually delivered within 7 to 10 business days. Your Social Security number, date of birth, and employment information will be required.

Can you get iPhone financing if you don’t have a bank account?

Yes, even if you don’t have a bank account, you can get iPhone financing. There are several companies that offer mobile device financing, and some of them do not require a bank account.

Gazelle, for example, provides financing for iPhones without requiring a bank account. You can apply for financing with Gazelle by completing a brief application form on their website. You will be able to pay for your iPhone in monthly installments once your application is approved.


Whether you’re looking for a new or used iPhone, it’s essential to shop around for the best price. And don’t worry if you have bad or no credit – there are still plenty of places that will work with you.

The above listed Top 10 Places That Offer Bad Credit iPhone Financing for bad credit provides financing without a credit check, so you can get the phone you want while also improving your credit score!

Rent-2-Own is a lender that provides iPhone financing to people with bad credit. You can apply for a rent-to-own agreement online, and if you have a valid ID and proof of income, you will be approved.

We hope you found this article useful and informative. And don’t forget that if you need bad credit iPhone financing, there are plenty of options available. Just make sure to research and compare prices before making a decision.

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Bravery Tom

Bravery Tom is the principal creator of BraveryBlog, a website dedicated to tips on how to build a successful online business while traveling. Inspired by his two mentors: Hasan Aboul and Gerald Umeh. May God Blessed Them.

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