Metro by T-Mobile offers several ways to purchase phones through "Buy Now, Pay Later" (BNPL) or lease-to-own arrangements. These options are primarily handled through third-party partners like Affirm, SmartPay , and apps like Klarna or Zip . 📱 Primary BNPL Options Affirm Financing (Available In-Store)
: Requires an eligibility check through Affirm; must be 18+ (19 in Nebraska) and provide a valid ID. metro pcs phones buy now pay later
: Must have a monthly income of at least $1,000, a social security number (or ITIN), and a debit/credit card linked to a standard US checking account. Metro by T-Mobile offers several ways to purchase
: For purchases over $150, you can choose 3 to 24-month terms with APRs ranging from 0% to 36%. : Must have a monthly income of at
Affirm is the official financing partner for Metro by T-Mobile. It allows you to pay for a device and accessories over time. :
This is a no-credit-check alternative focused on flexible leasing rather than a traditional loan.
: You must generate a "One-time card" within the Klarna app or Zip app and use it as your payment method at checkout. 💡 Important Considerations