The 5 Best Unlocked Cell Phones with No Credit Check in 2024

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Today, we’re going to talk about how you can get unlocked cell phones with no credit check no deposit needed. If you think about it, the device is now something you can’t live without once you’re hooked to it. From chatting to video-calling, learning to trading, monitoring to nurturing health, managing daily routines to watching CCTV cameras from anywhere, and so on. The gadget has dozens of uses and numerous applications that you can never exhaust. So, it can be a heavy toll if you lose or damage yours when you got no cash at hand to buy another.

But again, nowadays, you necessarily don’t need to have cash upfront to shop or even travel. More than a dozen retailers and financial companies are ready to give you a second chance with even that bad credit score.

Prove Yourself Again, the Phone’s Yours

Without going much into details, most buy now pay later no credit check financing plans usually rely on your trust, honesty, and reliability to thrive. Instead of going for the past credit history, the leasing retailer or financing company will opt for other methods to determine your eligibility- mostly income level and employment consistency. So, you must prove yourself more creditworthy than the bureau reports you’re. But again, how do you do that?

Well, it’s simple. If we use our buy now pay later unlocked cell phones no credit check programs as an example, proving yourself will involve choosing a flexible payment plan that you can afford. That way, you should be able to pay on time without missing any of the deadlines.

What are the Best Unlocked Cell Phones with No Credit Check and No Deposit Required?

When shopping through a lease-to-own payment plan, it’s best to consider a first-rate product and trustworthy brand. Otherwise, it can be heartbreaking and also worthless for your gadget to break down few days after completing the repayments.
Some of the best unlocked smartphones you can try include:

Is an Unlocked Cell Phone better than Carrier Cell Phones

Here in the U.S., the cell phone you buy can either be open to all or specific carrier networks. Just as the name, carrier cell phones are those models locked to a particular wireless carrier, such that you can’t use with competitors’ service.

Even though you can only use it on one network, a carrier-locked cellphone does have its upside. First, these phones are mostly available from the respective network provider or its affiliates. So, you could finance the gadget using a monthly prepaid plan like that you use for data, text, and talk time. The best part is that you can get the phone and unlimited traffic (tax/ talk/ data) bundle, all within a single payment plan.

Another thing, a locked cell phone is easy to get related support and service from the carrier. If you look after it well, you can even trade-in for the most recent model at much better rates. And if you don’t want to trade in, you could continue maintaining your account standing to earn significant discounts on other devices or accessories.

Meanwhile, a factory unlocked cell phone is that device not limited to a specific carrier. So, there’s that freedom to use whichever network and data plan is best for you.

The five major benefits of having an unlocked phone include:

Flexibility: you can move around with your phone to almost any location without losing connection with loved ones. If the carrier you’re on has signal issues, you just switch to the provider who’s the strongest connection where you’re.

Two-in-one Functionality: if you have a dual-SIM unlocked phone, you can use two different carriers at once. Hence, enabling you to make the most of the best traffic package from either.

Unlimited selections: when you decide to buy an unlocked mobile phone, you’re not limited to certain brands or only brand-new models. You can purchase devices from other countries, as well as refurbished models that suit your budget at hand.

Unlocked Cell Phones with No Credit Check
Unlocked cell phone

Timely Software Updates: Most mobile phone manufacturers usually update the software of unlocked phones before the carrier-locked ones. This is so as after the manufacturer releases, the carrier company will have to first optimize for its device and network. So, it’s shouldn’t be surprising to find your carrier phone updating into software that the manufacturer released several weeks or months passed.

Minimal Bloatware Apps: That’s right. Unlocked phones are mostly from the manufacturer directly. Thus, has no unnecessary apps (called bloatware), which in most cases is the carriers who push for them to be pre-installed.,

Can I Lease Unlocked Cell Phones With Bad Credit on Amazon

At this point, Amazon is one of the best go-to stores if you need to shop for just about anything. If it’s cell phones, you’ll find over 1,000 selections to choose from, featuring models direct from the manufacturers, carrier companies, and authorized resellers. Furthermore, the retailer brings together products with a varying price range and also attributes, whereby you’ll even find a whole catalog of unlocked phones.

More on that, Amazon stocks all kinds of cell phones, including the classic collections with physical buttons and smartphones. You’ll also find both brand-new and refurbished devices, which can be very helpful if the budget available isn’t enough.

Even so, a new device is usually the best choice as there are fewer chances of getting a bad apple. And since Amazon has the option to finance your purchases in low weekly/ monthly installments, I don’t see why you shouldn’t treat yourself well.

Anyway, the two ways you can lease an unlocked cell phone with Amazon are:

Monthly Payments Plan

The Amazon’s monthly payment program is more like a promotional offer as it only applies on select products on occasional cases. It’s also limited to one product in each product category or Amazon device family. So, it’s not a financing option you can exactly rely on when you need to load up your cart on credit as with the Walmart-Affirm program.

But again, the Amazon leasing plan divides the full price of the qualifying product/s into five installments that you can pay over four months. Also, the company doesn’t run a credit check of the applicants. So, you can still qualify with bad credit, for as long you have a positive payment history on

Quadpay Financing

In this one, Quadpay has partnered with Amazon to bring you a more flexible way to own all your favorite brands. However, Quadpay is the one that pays for the purchases that you’ve ordered. Thus, will be the one to come after you in case of missed repayments.

Nonetheless, the financial platform can only give you the amount they trust you can manage to pay based on your income level. The total amount is split into four installments that you can repay over six weeks.

While Afterpay is the leading financing company, you can’t use it to shop from Amazon-US. I’m not sure whether it’s because it’s an Australian financial firm, but it could be great if the two partnered. That said, however, Afterpay and Quadpay both spread out the payments into four installments that you should repay over six weeks. So, there’s no much difference between them.

The 5 Best Unlocked Cell Phones Reviews, Pros, and Cons

Here’s a quick comparison of the features, capabilities, and drawbacks of the top five unlocked smartphones that you buy now and pay later with bad credit.

1. Best of All: TCL 10L 64GB Quad Camera Arctic White

Key Features:

  • Fully unlocked, Single-SIM
  • 6GB RAM, 64GB ROM
  • Android v10, Snapdragon 665
  • Built-in NFC, Bluetooth v5.0
  • Face unlock, fingerprint sensor
  • 48MP Quad camera, 4K@30fps recording

Although I’m a big fan of local brands, TCL 10Lwins my first choice award today. It has everything to smile about if you need a decent, reliable cell phone without having to break your piggy bank. This starts with the unlocked carrier feature, which allows you to use it on AT&T, T-Mobile, or any other network.

Second, the smartphone has a 6.5-inch HDR display that brings you a true-to-life cinematic experience while streaming movies or playing games. It also has a quad rear camera system, with a 48MP main sensor and up to 30fps video recording in 4K quality.

Furthermore, the Android device packs 64GB internal storage, 6GB operating memory, and Snapdragon 665 Octa-Core processor. If your storage requirements are beyond, you could still add a MicroSD card of up to 256GB.


  • It has a bright and crystal display
  • Has great, sustainable battery life
  • Can work in almost any location
  • Quick to unlock with face/ fingerprint
  • It has a friendly budget.


  • It can be a pain setting up for Verizon
  • The mono speaker is a bit lacking

2. Best Under $200: Motorola Moto G Fast 16MP 2020-Edition

Key Features:

  • Android v10, Snapdragon 665
  • Fully Unlocked, Dual SIM
  • 3GB RAM, 32GB ROM
  • 16MP Triple camera, 4K@30fps
  • Fingerprint sensor, pin pattern
  • Built-in MicroSD slot, Bluetooth v5.0

If you are looking for a nice backup phone or a nice gift under two hundred, this Motorola could be a perfect choice. It can make calls, send texts, handle high-graphic games, and, oh, capture the perfect shot of your moments.

The phone has a 16MP triple rear camera system, which you can record videos at up to 4K quality at a frame rate of 30fps. Its internal storage is quite low, though, but you could insert a MicroSD card up to 512GB to save all your trip moments.

Speaking of touring, by the way, the Moto series is factory unlocked, which means you could use it with nearly any carrier. That includes Verizon networks that are usually a pain in many of the cases.


  • It’s very affordable
  • Easy to set up and operate
  • Features a strong and stable signal
  • Can run multiple apps without lags
  • It can have two different networks at once


  • It doesn’t support contactless (NFC) payment
  • The camera quality is pretty poor at night

3. Best of Storage: Samsung Galaxy Note 10+ 256Gb Aura Black

Key Features:

  • Android v9 (pie), Snapdragon 855
  • 12GB RAM, 256GB ROM
  • IP68 protection, Gorilla Glass 6
  • Factory Unlocked, Single SIM
  • 16MP Quad Camera, 4K@60fps video
  • Built-in NFC, Ultrasonic fingerprint sensor

If you’re a gaming geek or want a phone that you connect with your work life, the Galaxy Note 10+ might have the answers. Of course, the large size could be boring to carry around, but it also has the advantage of a smooth, cinematic viewing experience. The display has a stunning curved style and uses the Corning Gorilla Glass 6, which is known to have a superior drop resistance.

More on that, the smartphone has an under-display ultrasonic fingerprint reader that gives a more secure 3D print than traditional capacitive readers. Furthermore, the maker includes it with the states-of-art S Pen that you can use to scribble, sketch, remotely send commands, amongst other things.

Even better, the Galaxy device comes with 256GB internal storage, which is more than you may ever need. If you feel it’s still not enough for your needs, you can expand with up to 1TB or else even choose the Note 10+ with 512GB ROM.


  • It has plenty of storage
  • Has super-fast performance
  • Supports contactless payments
  • Features a decent, durable design
  • Captures crisp picture and videos
  • It can work on a variety of networks


  • It’s relatively pricey
  • A bit tricky to use on one hand
  • The fingerprint sensor isn’t always responsive

4. Best of Outdoors: Samsung Galaxy S20 FE 30X Camera Phone

Key Features:

  • Android 10, Snapdragon 865
  • Factory unlocked, 5G ready
  • IP68 dust/ water protection
  • 32MP camera, 4K 60fps video
  • Face unlock, fingerprint reader
  • 4500mAh Li-Ion battery, wireless charging

Whether you want to go to the beach, poolside party, or road trip, the Galaxy S20 FE has nearly everything to mark a thrilling memory. It features not only a large storage space to keep your files and data but also a powerful camera that captures everything in rich detail. There’s even a 3x optical zoom functionality to bring distant objects closer without compromising clarity. Then, the night mode enables vivid capturing and vibrant recording in low-light conditions without the need for flash.

Moreover, the Samsung series has IP68 rated protection, which enables it to stay active up to 5-feet depth in freshwater for 30 minutes. It’s also immune to dust to ensure worry-free basking on the sandy beach.


  • It delivers sharp and beautiful pictures
  • Easy to capture multiple images/videos
  • Can work with most 5G wireless carriers
  • Quick to unlock with face/ fingerprint
  • It runs fast and smoothly without lags


  • It doesn’t have a headphone jack
  • Vibration intensity isn’t the best

5. Best of Refurbished: Apple iPhone XR-A1984 Red AMOLED

Key Features:

  • iOS v14, Apple A12 Bionic
  • 3GB RAM, 64GB ROM
  • Built-in NFC, Face ID unlock
  • 12MP camera, 4K@60fps recording

If you need a nice high-end unlocked iPhone at less, you can check whether this Red XR has the features you’re looking. True, we can say the model is slightly old considering factory-default iOS 13 and iOS 14 models are already in the market.

But again, this model comes upgraded to iOS 14 despite having the A12 bionic chip. You can still use it to run heavy apps and games, plus record videos in 4K quality at a frame rate of up to 60fps.

More on that, the smartphone has a sturdy build, with IP67 rated protection. So, you can use it while in the pool or on the beach without worry about dust or water getting in. It also has a heavy-duty 2942mAh Li-Ion battery that you can charge with the traditional cable or wirelessly.

That said, though, this phone has only 64GB of internal storage, and like other Apple devices, you can’t add a MicroSD card. So, you might want to consider its 128GB and 256GB variations if you’re planning to do heavier tasks.


  • It has a sleek, elegant design
  • Comfortable to hold and carry
  • Available at a friendly budget
  • Captures sharp, vibrant pictures
  • Can run on most wireless carriers
  • It supports NFC contactless payment


  • It has no fingerprint unlock
  • Doesn’t work with boost mobile
  • You can’t connect cabled headphones.

To conclude:

Is buying an unlocked cell phone worth it? well, in my opinion, a cell phone that’s open to operate on other networks is a better choice than the carrier-locked selections. Of course, a carrier like Boost Mobile doesn’t allow it, but an unlocked cell phone has more and better rewards.

For instance, it’s not like you’ll always be staying in one location. Whether you have the money or not, you’ll still want to connect with your pals upstate or cross to Canada for an excursion. If not that, you certainly would love to lower your phone bills, which can be very easy by swapping between networks. And the easiest means to swap, or else use different carriers at once is when your cell phone is open to all services.