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How Ting phone financing works

Ting phone financing

Phone financing is different with Ting

With few exceptions, you should never accept your phone company’s financing terms.

One exception would be if your phone company is Ting. Allow us to explain.

Ting device financing is different. We treat financing as a courtesy to our customers, not like a profit center. As lending practices go, this is about as non-predatory as they come.

Assuming you qualify for financing under our lending partner Affirm’s terms, Ting will cover the cost of lending. In other words, you can finance a phone up to 24 months with 0% APR financing from Affirm and Ting.

There’s no phone service contract attached so you’re not locked into anything other than the cost of the phone over the agreed upon term.

Most new phones with a sticker price of over $100 are available to be financed; the newest iPhone, the latest Samsung Galaxy phones, and the Motorola Moto G5 Plus that we’re so enamoured with.

If you’ve got a phone in mind, take a look in the Ting Shop to see if it qualifies for phone financing and if so, what your monthly payment would look like. If you’re still not sure which device is right for you, check out our complete guide to buying a smartphone.

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If you'd like some help picking the right phone for you or for anyone in the family, take a look at our smartphone buyer’s guide.
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phone financing


Anytime we mention phone financing, we’re required to post this text:

Subject to credit approval. Rates from 0-30% APR for 12-, 18-, and 24-month terms based on creditworthiness. Down payment may be required. Offer is subject to change at any time. Previous purchases are ineligible for offer. For purchases under $100, limited payment options are available. Affirm loans are made by Cross River Bank, a New Jersey-chartered bank, Member FDIC.

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