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Cell phone financing with Ting: you don’t have to spend big upfront

cell phone financing

Cell phone financing with Ting is the smarter choice, and there’s a few reasons why. Our financing partner Affirm offers simple device payments over 12, 18 and 24 months, with rates from 0-30% APR. If that wasn’t enough, we’ve recently made our terms even more attractive. Subject to eligibility check and approval, you may qualify for rates as low as:

  • 0% for 12 months
  • 10% for 18 months
  • 10% for 24 months

Even if you don’t qualify for these terms and your credit is a work in progress, Affirm is likely to have a payment plan for you. 

Affirm is available in the Ting Shop for all the latest and greatest phones. Whether your dream phone is a flagship Android from your favorite manufacturer or the latest iPhone, you can now get an affordable monthly price with alternative financing options from Affirm. When you activate your phone on Ting, you only pay for what you use and save even more.

That means your monthly payment for a Google Pixel 3a XL could be as little as $18/mo. If you’re interested in iPhone financing options,  iPhone 11 can be had for as little as $33/mo. Meanwhile, your actual phone bill with Ting could be under $20 (or less, it’s totally up to you).

You don’t have to drop over $1,000 upfront to get an awesome phone, and you don’t have to pay into the hundreds for cell phone service.

If you’re ready, why not take a look through the Ting Shop at some of the hottest phones available today, with financing options available from Affirm.

What’s APR?

Whenever you hear about phone financing, you’re going to hear about APR. An Annual Percentage Rate (APR) is the interest you’re charged over a certain period of time for financing. So if you qualify for zero percent APR financing, that means you aren’t charged any interest on your purchase. You just pay back the total owing with no interest applied.

When you’re browsing in the Ting Shop and find a phone you like, just select Affirm and see if you qualify for financing and what rate. Affirm will then perform a credit check. This credit check will not affect your credit score.

Cell phone financing: why you should bring your financed phone to Ting

There are a few cell phone financing options out there, but we’d recommend going with Affirm and Ting.

For starters, Affirm has some of the best rates. Thanks to our excellent relationship with them, we’re able to offer particularly great terms (including 0% interest over 12 months). Ting is also a smart choice for financing because your financed phone is always separate from your monthly bill. 

Smartphone financing gets smart: keep your service bill separate from your financing

Ting Mobile is a post-paid service, where you use your phone however you need to, and at the end of the month, settle up at a fair price for what you used. If you choose to finance your phone with Affirm, this has nothing to do with your Ting cell service and billing.

That means you have more freedom, flexibility and choice. You can bring your financed phone wherever you want without being held hostage by a contract or plan.

Ting doesn’t do contracts or plans

Should you choose Ting service for your Affirm financed phone, you’ll never be locked into a contract or plan. You can try Ting and leave at any time if you want to. We stand behind our service and think it works great for people who are willing to make a few changes to their mobile habits in order to save.

Freedom for your financed phone

Ting doesn’t hold your financed phone hostage and tie you into a contract. Because your Affirm financing is separate from your Ting service, you’re free to see if smarter mobile works for you with your brand new phone at no risk to you.

More flexibility and choice

At Ting, we believe in building greater customer flexibility and choice into everything we do. That’s why we offer the option to finance a new phone from Affirm – so our customers can upgrade at an affordable price while keeping contracts and plans out of it.

Ready to see what we’ve got in the Ting Shop?

Check out our selection of Samsung, Motorola, Apple and more. Keep an eye out for the Affirm monthly pricing rate for each phone!


Rates are between 0–30% APR. A downpayment may be required. Subject to eligibility check and approval. Payment options depend on your purchase amount. Estimated payment amount excludes taxes and shipping fees. Actual terms may vary. Affirm loans are made by Cross River Bank, Member FDIC. Visit affirm.com/help for more info.

What’s in store?

What’s in store?

In the Ting shop you’ll find everything from good ol’ flip phones to the latest iPhone and Android phones.

Browse the Shop