Top Buy Now Pay Later Smartphone Options for 2024 Affordable Choices
Smartphones are more essential than ever, but let’s be honest, some of the latest models come with a price tag that can make you wince. The good news is that Buy Now, Pay Later (BNPL) programs are making high-quality smartphones more accessible. These plans let you spread the cost over a few months without having to fork over hundreds of dollars all at once. If you're looking for an affordable way to get your hands on a shiny new phone in 2024, here are some great options to consider.
1. Apple iPhone 15 (via Affirm or Klarna)
Apple’s iPhones have always been a top choice, but their premium pricing can be a bit intimidating. That’s where BNPL services like Affirm and Klarna come in handy. With these services, you can split the cost of the iPhone 15 into manageable monthly payments, typically over 12 or 24 months. 58 per month over 12 months.
If you're someone who wants the latest and greatest tech from Apple without blowing your budget upfront, these BNPL options make it feasible to enjoy all the perks of the iPhone 15 (like its improved camera system and sleek design) without feeling guilty about overspending.
2. Samsung Galaxy S23 Ultra (through Samsung Financing)
Samsung has carved out its space as a leader in Android phones, and the Galaxy S23 Ultra is no exception. If you’re eyeing this powerhouse for its dynamic AMOLED display and high-performance camera, Samsung Financing could be your best friend.
Here’s how Samsung Financing works:
- You can spread payments over 24 months at zero interest (if paid within the promotional period).
- If you're purchasing directly from Samsung’s website, there's usually a trade-in offer available, which could knock a significant amount off the phone’s price.
A $1,200 Galaxy S23 Ultra suddenly becomes more affordable when you’re paying $50 per month rather than shelling out all at once. Plus, if you’re already invested in Samsung products (like a Galaxy Watch or tablet) it’s easy to sync everything up with one ecosystem.
3. Google Pixel 8 (via PayPal Credit)
The Google Pixel 8 is perfect for those who prefer a pure Android experience with some of the best smartphone cameras on the market. What makes this phone even more attractive is its relatively affordable price compared to other flagship devices, starting around $699. And with PayPal Credit as an option for Buy Now Pay Later, it gets even easier to manage.
- No interest if paid in full within six months: This is often one of the best features of PayPal Credit, if you pay off your balance within six months, you won’t pay any interest at all!
- Flexible payments: You decide how much to pay each month as long as you meet minimum payment requirements.
The Pixel line is known for excellent software updates and AI-powered features like call screening and instant transcription, things that really elevate the user experience without adding extra complexity.
4. OnePlus 12 Pro (available through Afterpay)
OnePlus has earned itself a reputation for delivering flagship-quality smartphones at mid-range prices, and the OnePlus 12 Pro is expected to follow suit in early 2024. For those who want a top-tier Android device without breaking the bank upfront, Afterpay offers a convenient way to split payments into four installments.
- No credit check: Afterpay doesn’t require a credit check, which makes it accessible for many people who might not have an extensive credit history.
- No interest fees: As long as payments are made on time, there are no additional fees involved.
This makes OnePlus an appealing choice if you're looking for great value in features like fast charging, high refresh rate screens, and powerful performance, all without having to worry about hefty financing charges or penalties.
5. Motorola Edge+ (through Zip Pay)
If you're after something that's not quite as mainstream but still packs plenty of punch, consider Motorola's Edge+ series. While not as widely discussed as Apple or Samsung phones, Motorola offers strong performance at reasonable prices, especially with Zip Pay as an option for breaking down payments.
- No upfront costs: Zip Pay allows users to buy now and pay later without needing any upfront money.
- Interest-free options: Depending on your retailer and plan length, you can opt for interest-free plans lasting anywhere from three months up to two years.
The Motorola Edge+ combines premium features like OLED displays and near-stock Android software while keeping things affordable through these flexible payment plans. Plus, with Motorola's history of providing good battery life and durable designs, it's a solid investment for anyone wanting something reliable but less flashy than the big-name competitors.
The Bottom Line
If you've had your eye on one of these smartphones but were held back by their prices, Buy Now Pay Later services offer a practical solution. Whether you're an iPhone fan looking for Apple's latest release or an Android enthusiast excited about what Google or Samsung has in store, there's a flexible payment plan that suits your budget and lifestyle.
The key here is making sure you're aware of any potential fees or interest rates tied to longer payment terms and setting up reminders so that you don’t miss any payments! All things considered, BNPL options provide an excellent opportunity to get cutting-edge tech into your hands while keeping your wallet happy in the process.