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Last updated on August 30, 2021
Stuck at iPhone 6 wishing you had the latest camera? Or looking to upgrade from one smartphone to another make? Discover the latest and greatest iPhones and Android phones available through buy now, pay later.
If you’re carrying an extra battery or charger around just to get your smartphone through the day, it’s long past time for an upgrade. Here’s the good news: Even if you don’t have the cash on hand to purchase a new smartphone outright, you can still enjoy a new one right away thanks to buy now, pay later.
With buy now, pay later, you get to take home your purchase without having to pay the full amount upfront. Instead, you commit to paying for the item over time. It’s a bit like the old layaway system, with one big advantage: You don’t have to wait until you’ve fully paid for your purchase to start using it.
Here’s how to use buy now, pay later, to get the smartphone you’ve been dreaming of.
In This Post:
First — Put Your Old Smartphone to Work
Don’t just throw your current smartphone in the back of a drawer and forget about it. Websites like Decluttr make it easy to sell your old iPhone. Let Decluttr know what the model, storage, and condition of your current iPhone is and it will send you a free valuation. Then, you can ship your iPhone to them for free — and get paid the day after it arrives. You can put that cash towards buying a brand new smartphone.
Or, check out Decluttr’s refurbished iPhones and Android devices if you’re looking for a great deal on a more basic model.
Get the Latest iPhone for Less
At Best Buy, you can use buy now, pay later, to treat yourself to the latest iPhone 12 Pro Max — a device that can cost $1,099 if you purchase it upfront. It comes with one of the best displays and cameras out there, making it a great pick for watching — or filming — movies.
Best Buy accepts Quadpay, a buy now, pay later, service that divides up the cost of your purchase into four interest-free installments. Pay 25% the cost of the item upfront then spread the other three payments across six weeks.
Upgrade Your Samsung
Dying to get your hands on the Samsung Galaxy S21? Priced starting at $799, this smartphone comes with Dual Zoom lens system, featuring a 10MP Dual telephone lens and Super Resolution for budding photographers.
While you can purchase Android devices from Best Buy, if you’re after a Samsung smartphone in particular you can also purchase it directly from Samsung using Quadpay to divide up the cost of your purchase into more manageable chunks.
Or, you can apply for Samsung Financing. If you’re approved you have the option to buy now and pay later with $0 down. And if you decide to purchase the Galaxy S21 — or any eligible Galaxy phone — you can enjoy 0% APR for 24, 36, or 48 with equal payments.
Switch Between Apple and Android
Not sure if you want to stick with your Apple or Android device? Consider using Best Buy’s Progressive Leasing program. You don’t have to have credit to apply, and if you’re approved you can start enjoying your new smartphone right away. Pick a 12-month standard agreement to keep your installment costs down or purchase in 90 days to minimize the total cost of your purchase. Since you can also choose to buy out your smartphone, this is a great option if you’re thinking of switching from an iPhone to an Android or vice versa but want to test it out before you commit.
A former travel editor who loves nothing more than filling her suitcase with one-of-a-kind pieces, O’Brien has been a shopaholic since long before she knew how to string a story together. Like all shopping addicts, she loves nothing more than finding beautiful things at a bargain — and can’t keep a deal to herself.
When not writing about what to buy and where to find it, O’Brien tells stories about great designs and the people who dream them up.