In Need Of Bad Credit iPhone Financing? Best 6 Places To Try Right Now

Whether you want them to set an alarm clock or to stay in touch with your friends, smartphones have become the need of the time! So what can be done when your pocket does not support you for an iPhone? Simple! You can give lousy credit iPhone financing a try!

What Will We Talk About Here?
  • Some companies that offer bad credit iPhone financing include Rent 2 own, RentDelite and SmartPay.
  • Apple itself also has a financial program for supporting those with a poor financial standing.
  • Apple does not run a credit check prior to financing but it does require you to pay back within 2 months.

…and Much More!

Our Top 6 Picks For Bad Credit iPhone Financing No Credit Check

A poor credit score can make it challenging to enjoy several luxuries. Since nothing can be done to improve your credit score overnight, the situation should not stop you from getting your hands on a smartphone. Luckily, some places will look beyond your credit history and help you achieve bad credit iPhone financing if you meet specific requirements.

 Let’s explore your options if you wish to get your dream iPhone right away! 


Rent-2-Own has been around for quite a while now, almost 20 years! Its primary service includes providing financing to people with poor FICO credit. However, it does not only offer iPhone financing but also no credit checks. In addition to other good stores that provide furniture financing, Rent-2-Own also caters to electronics and appliances.

  • The Company will provide you with the item you need on rent. You can then pay for the product in the form of small installments. 
  • There are no interest charges; you can get approved for low rental rates. 
  • You must validate an active payment source to apply for an iPhone at Rent-2-Own.
  • This can be a reliable credit card, a checking account for bad credit, a debit card, and a source of income.
  • Check that you fulfill these requirements and then visit their official website to apply.
Note! You will be asked to make the first payment as soon as you are approved. The rest of the payments will come on weekly terms until completion.


RentDelite is another affordable option that offers guaranteed phone financing and no credit check. It provides help without interest charges or any other hidden fees. You only need to pay the rest, as discussed with the lending Company, until you own the product.

  • RentDelite operates online, and you can pay via a bank account or credit card. Furthermore, the approval rates are impressive.
  • The application will take a few minutes to complete, and you can get your hands on the phone in just a couple of days. 
  • Similar to Rent-2-Own, the first payment is deducted immediately, while the rest of the installments must be cleared weekly.
  • You must have a valid bank account to pay and an active source of income. 
  • All applicants must be above 18 years of age. 


SmartPay will break down the product’s original cost into small, affordable payments so you have a perfect solution for your financial problems. You don’t need to worry about your credit history when applying.

  • You have to pay a certain amount as soon as you are approved for the product. This will depend on the total cost of the item you rent.
  • You can contact the support team here and review the terms and conditions before you begin the payment cycle. 
  • The application is available online and will take less than 2 minutes to complete. You will be notified about payment length and dates. 
  • Again, this would depend on the value of the product and the frequency of payments you choose.
  • Along with a valid source of income, you must enter your social security number and debit or credit card details.


This is another remarkable Company that supports customers with poor credit reports and helps them afford the necessary products.

  • Payments will be made every week.
  • You can own the product as soon as you are done.
  • Unlike other options discussed above, FlexShopper does not ask you to make an initial deposit upon approval. It is one of the few “$0 down iPhone no credit check guaranteed approval” websites.
  • However, the Company requires you to pay online with a checking account that has been active for over three months.
  • It is also one of the best options available for other rent-to-own products.


Gazelle is a dedicated iPhone-financing service currently helping thousands of users deal with Apple’s costly products.

  • It can reduce the burden of paying for a product in full.
  • The Company will help you manage the cost through easy installments. 
  • You can choose either a 3, 6, or 12-month payment plan.
  • Gazelle can work monthly payments as low as just $23 for people with a tight budget.
  • The rates can vary depending on the total value of the item. 


The last option on our list is that of Barclaycard. It can help you finance any Apple product. It functions much like a credit card with attractive funding rewards. Barclaycard will let you pay for Apple products without any charges. You can choose to complete the payments within 6 to 18 months. 

Does Apple Company Itself Support Bad Credit iPhone Financing?

This is an important question that might be lingering in your mind as a reader as soon as you start going through our article.

  • Yes, Apple does offer iPhone financing!

It looks past your credit score and provides direct financial help, enabling the clients to purchase cell phones and other products as long as they can pay the amount within the agreed leasing duration.

Apple’s financing program is directed to help clients with poor financial standing in acquiring Apple products.

Clients can choose and buy the items without any fear of credit check. The quality of the service or product will not be compromised on, however, you will be required to pay within 2 months.

The Bottom Line

Fortunately, you can still get the iPhone of your choice if you have a good credit score. The fantastic companies discussed above can help you in your plans by offering user-friendly installments and easy terms.

Most of the financing companies operate online. This means you don’t need to visit their branches physically to get the approval. Consider these options next time you decide to purchase a new smartphone!

Frequently Asked Questions

Can I get an iPhone with bad credit? 

Yes. It is possible to get an iPhone with a poor credit score by applying for financial aid directly from Apple or the services we discussed above.

What credit score is needed when applying for iPhone financing with Apple? 

The program is aimed at helping customers with poor credit scores, so there is no limit on what credit score is needed to apply. However, your chances of approval will be better if you have at least a score above 600.

How long will it take to be approved for iPhone financing services? 

The application and approval time can vary from one financing Company to another. Typically, you can get it within 7 to 10 business days, but in some cases. However, specific sites offer bad credit iPhone financing instant approval.

Can you get approval for iPhone financing if you don’t own a bank account?

A bank account or a confirmed source of income is necessary to acquire product financing. However, you need a better credit score to open a checking account. In this case, you should look into the list of banks that let you easily open an account and apply there. Later on, you can apply for iPhone financing.