Getting a new cellphone can be expensive, but there are ways to get one for $0 down. Many carriers and retailers offer special deals that let you walk away with a new phone without paying anything upfront. From trade-in programs to financing options, you have several ways to save money. Here’s how you can qualify for these deals and which providers offer the best options.
Trade in Your Old Phone for a New One
One of the easiest ways to get a cellphone for $0 down is through a trade-in program. Most major carriers allow you to exchange your old device for credit toward a new phone. The newer and better condition your trade-in is, the more value you’ll get. Some providers even offer special promotions where they’ll match or exceed the trade-in value, reducing or eliminating your upfront cost.
To qualify, your phone must meet certain conditions. It should power on, have no major damage, and be fully paid off. Some carriers accept older models, but newer ones typically fetch higher trade-in values. Before trading in, check the current value of your phone through your carrier’s website.
AT&T’s Trade-In Promotion: A Great Deal
AT&T frequently offers trade-in promotions that make getting a new phone more affordable. With some deals, you can trade in an eligible device and receive up to $1,000 in bill credits over 36 months. This can cover the cost of a new flagship phone from Apple or Samsung with no upfront payment.
To take advantage of AT&T’s trade-in deal, you typically need to meet these requirements:
- Trade in a qualifying phone in good condition.
- Sign up for an eligible unlimited plan.
- Agree to a 36-month installment plan.
These credits are applied to your monthly bill, meaning you’ll essentially pay nothing upfront. If you cancel your service before the installment period ends, you may need to pay off the remaining balance.
Get a Phone with a Carrier Financing Plan
If you don’t have a trade-in, financing your phone through a carrier is another way to avoid an upfront cost. Most major carriers, including Verizon, T-Mobile, and AT&T, let you pay for your phone in monthly installments with no interest. This means you can spread the cost over time instead of paying everything at once.
To qualify for a financing plan, you may need to:
- Pass a credit check.
- Sign up for a qualifying service plan.
- Commit to a contract lasting 24 to 36 months.
Many financing deals also come with promotional discounts that reduce the monthly payment. Some carriers even offer $0 down on select models for customers with good credit.
Take Advantage of Buy One, Get One Free Deals
Many carriers run “Buy One, Get One Free” (BOGO) promotions that let you get a second phone at no extra cost when you purchase the first. These deals usually require you to activate both phones on eligible service plans.
Here’s how BOGO deals usually work:
- Purchase a new phone at full price or with a payment plan.
- Add a second line or upgrade an existing one.
- Receive bill credits over time to cover the cost of the second phone.
This is a great way to get a phone for $0 down, especially if you need two phones in the same household.
Consider a No-Credit-Check Provider
If you have poor or no credit, you can still get a phone for $0 down through certain prepaid carriers and financing companies. Some companies offer lease-to-own options that don’t require a credit check. Instead, they look at your banking history or income to determine eligibility.
Popular providers like Metro by T-Mobile, Cricket Wireless, and Boost Mobile sometimes offer promotional deals where you can get a no-fee phone when switching to their service. While these phones may not always be the latest models, they can still be a good deal if you need a phone with no upfront cost.
Choose the Best Option for You
Getting a cellphone for $0 down is possible with the right strategy. Whether you trade in your old phone, take advantage of AT&T’s trade-in promotion, sign up for a financing plan, or use a BOGO deal, there are plenty of ways to get a new device without paying upfront.
Be sure to check each carrier’s requirements and promotions to find the best deal for your needs. By doing your homework, you can save money and walk away with a brand-new phone at no initial cost.
