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You can often find monthly payment options through Affirm on unlocked devices.

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At checkout for many stores like Target or Apple, you can choose "Pay Monthly" to split costs over 6–24 months. 3. Prepaid Carrier Payment Plans You can often find monthly payment options through

I bought my phone (pixel 6) two years ago, refurbished. I use Mint Mobile, which lets you pay for your monthly service up front 3/ Mint Mobile refurbished. I use Mint Mobile

Both brands allow you to finance unlocked phones directly through their websites, often using services like Affirm. 2. Retailer Financing (Unlocked)

The most direct way to bypass carrier contracts is to buy an unlocked phone from the manufacturer and use their third-party financing partners.

Major retailers offer their own monthly payment plans for unlocked devices that work on any network.