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Can You Finance A Straight Talk Phone?

Phone financing involves paying for your phone over a long period. You can pay a deposit and then have the remaining amount divided over either 12 months or 24 months, depending on the phone’s cost and the seller. Straight talk, as one of the telecommunication companies in the US, offers phone financing. Straight Talk phone financing option allows you to own a smartphone without paying all the cost, whereby you get comfortable and affordable monthly payments. You have to note that you cannot leave the carrier until you have paid off all the installments to own the phone completely. Most phone financing plans have to check your credit scores to see whether you qualify. However, Straight Talk does not do credit checks if you use SmartPay.

Furthermore, there are no contracts associated with the program, nor do we have activation fees. It is thus easy to own a phone with Straight Talk.

Furthermore, you will be able to enjoy cheaper mobile plans while on Straight Talk. By the way, Straight Talk’s 5GB plan is $10 less expensive as compared to a similar program from Verizon since it costs $45. Even though Verizon’s data speeds are a bit higher, the difference is not that big. So getting the phone of your choice at Straight Talk is the best thing you can do. It does not matter the kind of phone you need. The company even does iPhone financing no credit check!

 

How do I get Straight Talk phone financing?

Straight Talk phone financing

Straight talk works with SmartPay to enable you to own the latest smartphone of your dream without paying the full price. You can pay for your phone in installments until you finish. Furthermore, you can cancel the program anytime you wish as there are no cancellation fees. SmartPay is an independent company that leases you the phone, and thus Straight Talk is not liable for the transactions you make with Smartpay.

Interestingly, Straight Talk is not like many financiers that require you to pay upfronts for their devices. With $0, you can get a smartphone and start paying in installments. Furthermore, there are no fees associated with the payment plan.

Apart from SmartPay, Straight Talk works with Affirm to give the applicants smartphones with free shipping and as low as 0% APR financing. You should note that there is no credit check when getting your phone.

You can also use PayPal credit. Just like the other options, you will not pay any money down. The following procedure will help you in the process.

  • Choose a phone from the iConvertwireless.com website and put it in the cart.
  • Checkout by selecting “PayPal” as your payment option. Just click the PayPal icon, which is the Paypal checkout button.

If you do not have Paypal Credit, you can easily apply as it takes about two minutes. Alternatively, you can put your device on payments with Lay-Buy, and once you come back and pay, it ships to your location. PayPal does not charge interest if you pay for the device within six months. However, PayPal performs a credit check while Lay-Buy does not.

Which phones can I get with Straight Talk Financing?

Currently, there are various smartphones you can acquire through Straight Talk phone financing. Some of the phones include;

  • Samsung Galaxy S20 5G
  • LG Stylo 5
  • Samsung Galaxy A20
  • iPhone 12 64GB, and others.

They have various plans from various service providers. For your information, Straight Talk is an MVNO (mobile virtual network operator), and thus it does not own its wireless network. It uses networks from AT&T, Verizon, T-Mobile, and Sprint. It means that your carrier network dictates the carrier you use.

Can I lease a phone from Straight Talk?

Straight talk allows cell phone leasing whereby the customer can eventually own the phone. You will not own the device until you complete all the payments. As I had mentioned, you can cancel the plan and return the phone if it does not please you. You can also make an early purchase if you get the required amount and own the phone before the payment term is over.

Does Straight Talk Phone Financing build credit?

For you to grow your credit scores, it will depend on the method you use for your phone financing. SmartPay does not check your credit scores and thus does not report your repayment behavior to the credit bureaus. However, the company may still check your credit scores, and therefore you need to fill in your details as precisely as possible.

However, PayPal, which checks credit scores before offering you phone financing services, will report your repayment patterns to the credit bureaus. You are going to either grow or lower your credit scores if you use PayPal Credit.

Which cell phone plans can I get with Straight Talk?

Straight talk has two major plans. These include;

  • Straight Talk Ultimate Unlimited Data Plan, and
  • Straight Talk Unlimited Plan with 5GB

1. Straight Talk Ultimate Unlimited Data Plan

The plan costs only $50 per month plus $0.99 upfront

for three months with an Auto-Pay discount. The program gives you unlimited text, talk, and 4G LTE data. The calls and SMS are for national talking and texting. You can have $10 as an International Calling Pack.

The deal has no contract, and currently, there is a special offer whereby you can get $5 per month off for 3 months with Auto-Refill plus free shipping. After that, you will pay $55 per month with Auto-Refill and free shipping for a limited time. If you use more than 60GB per month, you may have your account reviewed. You can stream movies with resolutions of up to 480p.

Interestingly, you can upgrade your data plan by getting additional 4G LTE data for $5/1GB or $10/2GB. All unused data will roll over to the next billing cycle. The plan also allows you to earn points for renewing your plan, referring to friends, and playing games. Sufficient points can earn you a free monthly program.

You will also benefit from other features such as Voice Mail,

Call Waiting, Caller ID, and 411 calls at no extra charge.

2. Straight Talk Unlimited Plan with 5GB

This plan is for light data usage. It means that you mostly use your data for mainly texting and calling. Therefore, 5GB of data may be enough for the whole month. The plan gives you unlimited texts, talk, and 5GB of data. The minutes and texts are only for national use. You can subscribe to the $10 pack for international texting and calling. The plan has no contracts.

Straight Talk Unlimited Plan with 5GB costs $34 per month plus $0.99 upfront. Once you exhaust the 5GB, you will still stay connected but on a 2G network whereby some applications that require fast data will not function.

There is a current deal with the plan whereby you can get $1 off every month upon enrolling in Auto-Refill with Straight Talk. You also enjoy free shipping for a limited time. The program also allows you to get additional 4G LTE data for $5/1GB or $10/2GB. If you have unused data, there is no worry as it will automatically roll over to the next billing cycle.

Just as it applies with Straight Talk Ultimate Unlimited Data Plan, Straight Talk Unlimited Plan with 5GB plan will earn you points for renewing your plan, referring to friends, and playing games. If you accumulate sufficient points, you will be able to redeem them for a new monthly plan. Other features include Voice Mail, Call Waiting, Caller ID, and 411 calls at no extra charge.

The table below shows the break down of the plans’ features.

Straight Talk Ultimate Unlimited Data Plan

Straight Talk Unlimited Plan with 5GB

Costs only $50 per month Costs$34 per month
Unlimited text,  talk, and 4G LTE data Unlimited texts, talk, and 5GB of data
$10 as an International Calling Pack $10 as an International Calling Pack
 Earn points for renewing your plan, referring friends, and playing games Earn points for renewing your plan, referring friends, and playing games
Voice Mail,

Call Waiting, Caller ID, and 411

 

Voice Mail,

Call Waiting, Caller ID, and 411

 

Upgrade your data plan by getting additional 4G LTE data for $5/1GB or $10/2GB Upgrade your data plan by getting additional 4G LTE data for $5/1GB or $10/2GB

Does Straight Talk offer mobile hotspot plans?

Straight talk has Unlimited data hotspot plans with no contract for the $50 with autopay plan whereby you can get 10 GB of mobile hotspot per line. You can thus share data with other devices such as smartphones, tablets, and computers. If you exploit the 10GB, the hotspot function will no longer be available until the next billing cycle.

Bottom line

You can get phone financing with Straight Talk. Various companies offer phone financing for Straight Talk, and these include PayPal and SmartPay, among others. Once you get a phone with Straight Talk financing, you can get a plan of your choice. All the plans have unlimited talk and texting. Moreover, you can lease your phone with Straight Talk. Your repayment patterns may affect your credit scores depending on the Financing company you choose.

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