You can often find monthly payment options through Affirm on unlocked devices.
Both brands allow you to finance unlocked phones directly through their websites, often using services like Affirm. 2. Retailer Financing (Unlocked) buy phone pay monthly no contract
The most direct way to bypass carrier contracts is to buy an unlocked phone from the manufacturer and use their third-party financing partners. You can often find monthly payment options through
Some no-contract carriers now allow you to pay for a phone in installments, though they may require a credit check or a "lease-to-own" agreement. Mint Mobile Retailer Financing (Unlocked) The most direct way to
Major retailers offer their own monthly payment plans for unlocked devices that work on any network.
Buying a new smartphone doesn't have to mean being tied to a long-term carrier contract. In 2026, you can easily finance a phone with monthly payments while keeping the freedom of a "no-contract" prepaid plan. 1. Finance Directly from Manufacturers