No credit check at all. Our iPhone financing doesn't require good credit, bad credit, or any credit. The only thing you need to show is monthly income. Your credit score is never pulled or affected.

Carrier plans like AT&T and T-Mobile require a credit check and a 2-year contract. Our lease-to-own program has no credit check, no contract, and you can pay off your iPhone at any time. Plus we ship nationwide — you don't need to visit a store.

Unfortunately we get a lot of fraud, so we do require your SSN to verify your identity. There are no credit checks ran or pulled — it's strictly for identity verification.

Most iPhones require $49–$129 down depending on the model you choose. You'll know the exact amount before you commit to the lease.

Lease payments are automatically deducted from your bank account on your pay schedule — weekly, bi-weekly, or monthly. Most customers pay between $30–$60 per payment. You can pay off your iPhone early at any time with no penalty.

We carry all the latest iPhones including iPhone 17 Pro Max, iPhone 16 Pro, iPhone 15, and more. After you're approved, you'll get to pick your model, color, and storage size.

We ship same business day if you order before 5 PM! We offer free 2-day shipping, but most of our clients actually get their iPhone the very next day.

You need an active bank account with direct deposit, a valid ID, and a working phone number. That's it — no credit check, no co-signer needed. Most people get approved instantly.