Need financing for an Apple iPhone? We may be able to help you get an offer, even if you have bad credit. Take a minute and get an offer for the money you need and you could be shopping for your phone as a cash buyer. How much do you want to spend?

A man holding an iPhone purchased with financing.

Apple iPhone Payment Plans

The price of an Apple iPhone can now be greater than $1000, depending on the model you choose. With this price, it is no wonder that people are looking for electronics financing in order to make their phone affordable. If you have found yourself in this position, we may be able to help, even with bad credit.

How Do We Help?

At FinanceYourGear.com, we are not direct lenders and you should be happy about that. If you have less than perfect credit, it can be difficult to get an approval from one direct lender who is looking for a specific kind of borrower.

What we do is give you access to a much larger group of online lenders. More lenders means more chances of getting an approved offer from one of them.

Ready to get your offer? Let’s take a look at what you need to do.

Get Your Financing Offer

To get your offer, all that you need to do is fill out one simple form which is located at the top of this page. Most people can complete it in a matter of minutes.

First, you will estimate how much you need. If approved, your lender will make you a cash offer, so be sure to include the cost of any accessories that you need.

Once you have a number in mind, enter it and some basic information about yourself and your income. You will also need to have your bank routing and account number because this is how your lender will send you money.

When you are finished, submit the form and get your answer. If approved, one of the lenders from the group will make you an offer and you will be redirected to their website.

Making Your Loan Decision

If you are approved and receive an offer, don’t jump right in and accept your iPhone financing.  Here are some things that you should think about first.

Can you afford to make the loan payment?

This is the most important thing that you must consider. Don’t blindly accept a loan without making sure that you can afford it. Fit the payment into your budget and see how things look. If the payment is not reasonably affordable, you should turn it down.

Is the cost of financing reasonable?

An iPhone is a luxury, let’s be clear about that. Because of this, you need to decide just how much you are willing to pay for financing. For example, if the phone costs $1000 but the total cost with financing is $1800, is that worth it.

Can you go with something cheaper?

The iPhone is obviously one of the most expensive phones on the market. If it were not, you would not be looking for smart phone financing. There are other phones on the market however and while they may not have the same specs as an iPhone, they get the job done. If your loan is looking like a costly one, consider your cheaper options.

Would it be better to save?

How long would it take you to save the $1000 that you need for a phone? If your current phone is in working order, it might be a better choice to save instead. Being patient in this way would save you a ton of interest.

Buying Your New iPhone

If you accepted a financing offer, now it is time to shop for that new iPhone. As a cash buyer, you have a lot more opportunities.

Not being locked down with store credit allows you to shop any retailer that you like and get the best price. While it is true that iPhone prices do not vary much from dealer to dealer, every dollar counts.