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How Ting cell phone financing works

Cell phone financing is different with Ting

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

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

Ting cell phone 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, you can finance one of our Ting devices from the Shop.

No phone service contracts (ever)

When you financing a phone from 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.

The hottest phones are available to be financed; from the newest iPhone to the latest Samsung Galaxy phones and the afordable-yet-capable Motorola phones that we’re so enamored 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.

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

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 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