In today’s modern, connected lifestyle, a smartphone is practically a necessity. However, most cell phones aren’t cheap, and many people need to make payments on a device rather than buying one outright.
But what options do you have if you need a cell phone and you have been turned down by a network provider due to your financial history or they wanted too big of a deposit on the latest smartphone?
Rest assured because you're not alone - thousands of U.S. citizens face these exact problems each day. Thus we 'd like to present you multiple solutions from select networks that offer flexible payment options with the latest phones.
IS A FLAGSHIP PHONE REALLY NECESSARY?
The two biggest brands in cell phone technology have worked hard to convince consumers that there’s only one or two phones available – or worth buying. If you’ve only turned to Samsung or Apple phones in years past, you’ve missed out on an entire world of cell phones that come with outstanding features and much lower prices.
While Apple and Samsung are the flagship phones every consumer wants, there are equally excellent cell phones available for far less. Mid-range phones like the Moto G6 Plus and the Pixel offer the same processing speed as the Samsung Galaxy S9, but these cell phones start at $300, while the Galaxy retails for $800. Flagship phones will always cost more – so ask yourself if you really want to pay hundreds of additional dollars just to carry a brand-name phone.
APPLE OR ANDROID?
Since its release more than 10 years ago, everyone has longed to carry the latest iPhone. But year after year, the iPhone increases in price and adds barely any new features. If you use your phone for talking, texting, and surfing the web alone, and would have a hard time picking out the difference between an AMOLED and an LCD display, you may not need the priciest, newest Apple smartphone.
Unless you’re a die-hard tech fan, you should ask yourself what benefits you’re getting from buying a new iPhone every year. There are so many great non-Apple cell phones as well as sensible, mid-range phones made by companies like Motorola, Honor, and Huawei, which retail for between $300 and $500. A lot of these phones have similar features to an iPhone, like the Honor View 10, which has a fingerprint reader, 6GB of RAM, and 128 GB of storage – the same features you’ll find on the $1,000 or more iPhone 11 or 11Pro.
CAN YOU AVOID BEING LOCKED INTO A CONTRACT?
Failing to do your research can cost you a lot of money when it comes to cell phone contracts. Cell phone carriers want to get the most money possible off you and your service plan, so it’s common for carriers to push costly plans with long contracts onto customers. However, there are a few different ways you can purchase a new phone, with or without a contract.
You can buy an unlocked phone and pay upfront, which means your monthly bills will be lower. Having an unlocked phone you’ve bought means you can switch providers whenever you want and keep your cell phone. If you want to pay for your new phone over time, your carrier will divide the cost of your phone into 24 monthly installments, locking you into a 2-year contract until your phone is paid off. If you want to cancel this plan, or don’t like its requirements, you’ll have to pay an expensive fee to cancel.
HOW TO FIND THE BEST DEALS ON CELL PHONES AND PLANS
There are many different ways to find a great deal on a phone you love. Once you’ve done your research and compared a few phones from different brands and carriers, all that remains is to get the best deal possible on the price. It’s not a great idea to go into a carrier’s store with the intent of purchasing a phone before you’ve done your research; the carrier’s goal is to sell you the most expensive phone and lock you into an expensive plan. As long as you do your research first, you’ll be able to find a phone and plan that work for you.
Like anything, it’s always a good idea to be aware of the latest research. We recommend comparing at least 3 or 4 options before making a final decision. Doing a search online is typically the quickest, most thorough way to discover all the pros and cons you need to keep in mind.
Automotive enthusiast and tech nerd. Loves to spend his free time traveling abroad besides working on his startup.