Today I’m going to share with you How To Get iPhone Financing No Credit Check Required.
Who doesn’t want an iPhone? Apple products are known to be a different standard when it comes to smartphones. They have some of the best technologies, features and looks that everyone wants to try at least once in their life.
Moreover, with its new privacy feature, consumers are more inclined towards apple because it is working on valuing their user’s privacy. If you are considering buying a mobile, iPhone is one of the best choices in the market, no doubt.
Every feature given by apple in its product is state of the art and provides you with an edge over other company users. Ultimately, it is understandable that people want to buy it. However, as we all know, Apple products aren’t that cheap. You need to have good money to buy any Apple product.
One thing that can stop you from getting a hand on your favourite piece is your bad credit score. Bad credit refers to a history of failed payments, debts and some liabilities that may put you in the bad books on these companies or banking institutions as well.
It is important to keep a good credit score to enable yourself to continue using the services flawlessly. If you have not been able to do that, we understand. This is why we have brought some ways through which you can grab no credit check phones for yourself. If you want a no credit check iPhone, you’ve come to the right place for information.
Get iPhone Financing No Credit Check Required:
One important question to be asked is, that whether apple directly finances bad credit or without a credit check? The answer is yes. Apple has now shifted its policies to be more accommodating towards its customers. It offers direct financial assistance to customers who have bad credit.
If you have poor credit, you can nevertheless take the help of its program known as Rent to Own iPhone no Credit check that allows you to buy the phone in installments. There is a contract of lease with specific time dates and duration, which will allow you to purchase with installments even after having bad credit.
The duration of the contract depends on certain factors such as the price of the product, the seller, the quality, etc. Payment duration in these contracts typically ranges from 2-4 months depending upon your score. These basically buy now pays later phones no credit check program offered by Apple in its own unique way.
Now that we have explained how this bad credit iPhone financing works, we will tell you the complete process required. You need to follow four basic steps to ensure the process is completed.
- Search for a reliable product seller – Choosing a good and trustworthy seller is very important since many sellers want to take advantage of your bad credit situations and give you poor quality products and discard their unsold stock. Do not fall for them. Chose the sellers depending upon the quality of products they offer, their price range. If you can check on the internet for reviews about the seller to ensure there are no fraudulent activities carried on by him. Sellers who adopt the policies of a free cell phone no credit check no deposit should be checked thoroughly before indulging with them. Social media is also a good source to authenticate the activities of the seller.
- Fill the application – Apple provides an application form that needs to be filled with authenticity by you. You have to enter the correct details and the details of the product you want to purchase from the seller on credit. This form can be filled online as well on the physical store, depending on the seller. Except for Apple, other companies also provide for a form in no credit check phones.
- Request approval – Once you have filled the form with the correct details, your application will be forwarded to the concerned departments. The running program executives will then look at your information and check other eligibility criteria. Once all this is verified, they will settle the amount and value of the product you want to buy on credit from them. If you want no hurdles in this step, do not be dishonest in your application form. They are already extending a helping hand to you despite having bad credit, if you try to be dishonest in the form, they will catch it through verification, and your application will be discarded.
- Sign the agreement – If your request for a no credit check iPhone financing program is accepted, you will get the product as soon as possible after signing the contract with them. In the contract, you will be provided with information about the price needed to pay and the time duration of the payment. Read the contract carefully before signing to ensure you are not getting into anything you regret later on.
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Importance of Credit Score:
Having good credit is important because it will open more avenues for you in purchasing items you want or need. As we have discussed earlier, having bad credit is not the end of the world for you, but to be on the safer side, having a good credit score is beneficial overall.
For this, you need to keep an eye on your credit score periodically to ensure it does not become damaging.
We have provided you with the relevant information required for buying no credit check iPhone. However, this does not mean you do not have to keep a check on your credit yourself. For future purposes, you must always know your credit score.
All you need to do is check with your credit card provider or bank, which can help you check the score for free. A copy of such credit score can be asked from the institutions such as TransUnion, Experian etc as well.
If you do not have credit, you can build it yourself by using various techniques, such as applying for a secured credit card, getting a store card, or applying for a credit builder loan as well.
If all these ways don’t help, you can ask someone to be a co-signer on your credit card. If you are a student, you can also go for a student credit card and make timely payments to get a good credit score.
Online Stores Providing No Credit Check iPhone:
Yes, you have read it right. You don’t have to search physically for stores that provide no credit check facilities for purchasing an iPhone, you can find them with a click of your mouse as well. There are several entities providing assistance to buy items on credit and make payments according to the agreed lease duration.
There are various companies that run on iPhone financing no credit check basis. Below, we have curated a list of such companies along with their process and formalities to make this process easier for you.
- Flexshopper – If you are looking for Apple products specifically, this is one of the best companies out there that provide financing to clients to buy products. They offer credit with zero deposit. When you visit their website you will see their smooth and efficient process.
The company provides a cheap payment facility, depending upon the type of product you chose and your capability of borrowing. The plans range from weekly to bi-monthly to monthly as well. You will get the funding spread over a period of one year or 12 months.
There are some eligibility requirements for this credit facility as well. Firstly, you need to be above 18 years of age. This is because contracts below 18 years of age do not uphold in the court of law generally unless they are in the favor of a minor.
In this case, credit facilities for a phone might not be beneficial for a minor, therefore the age limit is set to be 18 years. Secondly, you need to a US citizen. Thirdly, you should have a consistent and reliable income above $100 per month to be eligible.
Since they are not taking any deposit, the least they need is verification that you are capable of paying it.
There is an application form on Flexshooper.com. You can visit there and read the terms and conditions of the company. After that, fill the application form providing all authentic details about yourself and submit it.
You can then choose your preferred payment method and wait for the product to be delivered. Once the product is delivered, you will have to sign a lease agreement with them. Read the terms and conditions and clauses of that agreement as well.
- RentDelite – Another leading firm that provides no credit check iPhone is RentDelite. It offers affordable and reliable monthly payment programs on various electronics including phones and laptops. You can pay the credit over a week or a month.
Here also, you need to have fulfilled some eligibility criteria. Firstly, you should be above 18 years old, secondly, you should have a credit or a debit card in your name. Thirdly, here also you need a consistent and reliable income along with a working email address.
That’s it, nothing else is needed to be shown on this website, and you’re ready to go.
The application process of rentDelite is similar to the previous one.
Bad Credit Loan Programs:
Along with online websites, there are other programs that provide financing for buying an iPhone or other Apple products. We have listed some of them for you to choose from.
It is a financial platform that offers loans to customers for purchasing apple products. There are reliable cheap creditors in the market with whom you can be connected through these websites. It is a form of bad credit iPhone financing since the creditors do not check the credit records of borrowers. So even if you have bad credits, It will not be an impediment for you on this platform.
For the application, you need to visit their website and fill out the application form providing all relevant and correct details. Your credit request will then be approved by a prospective credit who finds you worthy. He will notify you of the period of lending and interest to be paid along with the installment amount.
He will not perform any credit checks. You will then have to accept the terms and conditions set forth by the website. Make sure you read and understand these terms and conditions before accepting them to avoid any future conflict.
If you have no credit or bad credit, this is another leading financial platform that will help you get a phone without credit check. SimplyMac has partnered with Affirm to provide unique loan facilities to its customers. The payment to be made is divided equally over a period of time which can be chosen by the customer. It can be weekly, or bi-monthly or monthly even.
For securing the loan, you need to visit their website and fill out the application form. It will ask you for details like your email address, security number, phone number etc. When you submit this application, it will proceed to Affirm, who will in turn provide you with an authorization code on your given phone number.
This is done to verify the ownership and credentials. This code needs to be entered in the application form itself, and you will get a notification for the amount for which you qualify, along with the leasing period and the interest rate. If you are satisfied with it, you can confirm the transaction after reading the terms and conditions.
Not an iPhone? Check These Other Products Out:
If you are not interested In buying an iPhone but other apple products such as Apple Mac etc, there are some platforms just for you. We have curated a list of such organizations as well.
- iRent AMac – For the past three years, this platform has been providing leading services to its clients. It is partnered with Apple to provide high-quality credit facilities to its customers, with a lease period of more than a year.
The payment plan can range up to a week, two weeks, or even a month. The only eligibility requirement is that the client must be above 18 years of age, and have an income of $1200 and above monthly to be considered. He/she must also have a credit or debit card in his name.
For the application, you can visit their website, and fill their application form. You can then order your favourite product, and sign the leasing agreement upon the arrival of your product. It is an easy process, similar to other organizations that give finance for iPhone.
- Electro finance – If you are looking for a platform that provides no credit check iWatches, then this is the best option for you. The entity has cheap and flexible payment options for its customers. The maximum payment period can expand to 12 months as well.
A social security number needs to be provided to the company and you must be having a debit or a credit card in your name. Another requirement is that you must be above 18 years of age.
The application form is similar to all other platforms. You need to fill an application form and submit it. Upon the delivery of your shipment, you will have to sign a lease agreement with the company. Make sure you read the terms and conditions before clicking on confirm so that there are no future disputes.
- Gainsaver – This is a lending firm that provides no credit check finance to customers to buy any kind of apple product. This includes refurbished MacBook items as well as various payment methods and alternatives. It has also partnered with affirm to provide credit. You need to be 18 years of age to qualify for this program.
Moreover, you also need to be a US citizen. The application process involves you visiting the website and filling out the form. You can then click submit, and later on, receive the product on our doorsteps through the delivery system. Once you receive the delivery, you will be given a leasing contract to sign. Make sure you read the contents before signing the contract.
Also Read – How to Get a Free iPhone and Avoid Scams
Ending the Article:
Be it an iPhone, Mac or even an apple watch, we have tried to inform you about different organizations that work to enable credit financing or no credit financing.
Apple products are not cheap, that is why these organizations understand the needs of their customers, and their urge or purpose to buy these technologically advanced, and one of the best products in the market.
Now you don’t have to worry about a bad credit score anymore. There may be some hard times due to which you have got a bad credit score, but this must not stop you from buying things you like.
With the help of various iPhone financing no credit check options, we have provided you will all the information necessary to get that favourite gadget at your doorstep, with cheap payments and interest rates, despite having bad credit.
But remember always, it is better to have a good credit score so that you are able to expand your options for the future.