Payment Plans Available

Shop Phones. Pay your way.

Get the latest smartphones with affordable weekly or monthly payments. Pay your way at checkout.

How It Works Compare Phones
Mobile Phones

21 products

  • Pre-owned Samsung Galaxy S25 Unlocked Pre-owned Samsung Galaxy S25 Unlocked

    Pre-owned Samsung Galaxy S25 Unlocked

    From $629.99
    from $28.20/mo
  • iPhone 12 Pro Max iPhone 12 Pro Max

    iPhone 12 Pro Max

    From $450
    from $20.15/mo
  • iPhone 15 iPhone 15

    iPhone 15

    From $650
    from $29.10/mo
  • iPhone 16 Plus iPhone 16 Plus

    iPhone 16 Plus

    From $999
    from $44.73/mo
  • Pre-owned Samsung Galaxy S23 Ultra Pre-owned Samsung Galaxy S23 Ultra

    Pre-owned Samsung Galaxy S23 Ultra

    From $610
    from $27.31/mo

Buy Now Pay Later Mobile Phones — Unlocked, No Credit Check

Shop unlocked smartphones from Apple and Samsung with Buy Now Pay Later at Tech Buddy. Split your purchase into 4 easy payments — no credit check, no interest, no carrier lock-in. Get the phone you want today and pay over time.

Why Buy an Unlocked Phone with BNPL?

Unlocked phones give you the freedom to choose any carrier (AT&T, T-Mobile, Verizon, or any MVNO) without a contract. Combined with BNPL, you get:

  • No hard credit check — unlike carrier installment plans
  • 4 payments over 6-8 weeks — not 24-36 months
  • Zero interest when you pay on time
  • No carrier lock-in — switch carriers anytime
  • Full ownership from the moment it ships

Brands We Carry

  • Apple iPhone — iPhone 17 series, iPhone 16, iPhone 15, iPhone 14, and more
  • Samsung Galaxy — S25 series, S24, A-series, and more

How It Works

  1. Browse our phone collection and add your pick to the cart
  2. At checkout, select your BNPL provider: Shop Pay Installments, Afterpay, Klarna, Zip, or PayPal Pay in 4
  3. Pay 25% today — your phone ships right away
  4. 3 remaining payments are charged every 2 weeks

Frequently Asked Questions

Can I buy a phone with no credit check?

Yes. All BNPL providers at Tech Buddy require no hard credit check. Approval is instant at checkout — no lengthy application process.

Are phones from Tech Buddy unlocked?

Device details including carrier compatibility are listed on each product page. Check the specific listing for your chosen model.

How is BNPL different from a carrier payment plan?

BNPL has no credit check, no 2-year contract, and you’re paid off in 6-8 weeks instead of 24-36 months. You’re not locked into any carrier.

Can I return a phone bought with BNPL?

Yes. Tech Buddy’s return policy applies to all purchases. Remaining BNPL payments are canceled and completed payments are refunded.

Lease to Own Phones at Tech Buddy

Rent to own, lease to own, or split in four: your phone, your schedule. Every unlocked phone in this collection works with monthly lease-to-own plans from Acima and Progressive Leasing, true rental-purchase programs where you take the phone now, pay monthly, and own it at the end or pay it off early to save.

Prefer shorter and interest-free? Afterpay splits any phone into four equal payments across six weeks. Either way the phones are factory unlocked, so they work with any major US carrier and there is no contract attached.

Browse the latest iPhone 17 series, Samsung Galaxy phones, and budget picks like the iPhone 11. For the full rundown of how the programs compare, read our guide to rent-to-own vs lease-to-own vs BNPL.

Frequently asked questions

How does lease to own work on a phone?

Pick your phone, choose Acima or Progressive Leasing at checkout, and get a decision in minutes. The provider buys the phone and you make monthly payments until the agreement completes. Paying it off early reduces the total you pay.

Can I rent to own an iPhone 17 Pro Max?

Yes. The iPhone 17 Pro Max and every other phone we stock qualifies for lease-to-own through Acima and Progressive Leasing, as well as Afterpay pay-in-4.

Do lease-to-own phone plans require good credit?

Acima and Progressive Leasing run rental-purchase programs, not loans, and their applications weigh more than a traditional credit score. Approval is always the provider's decision. Afterpay uses a soft check that does not affect your score.

Are the phones unlocked and new?

Every phone is factory unlocked and works with all major US carriers. Condition is listed on each product page, and orders over $29 ship free.