Most iPhone payment plans, including carrier installment plans and Apple’s own financing, involve some kind of credit review. There are still ways to get an iPhone without one. You can buy an unlocked iPhone outright, choose a certified refurbished model, or look at older models that drop in price after new releases. Lease-to-own programs are available at some retailers, but read the terms closely, since the total cost is usually higher and some still check credit. Our guide to no credit check phone plans compares these options. Before you buy, confirm the phone is an unlocked phone and run an eSIM compatibility check. Then pair it with a Vouch Mobile plan and bring your own device. Our SIM and eSIM guide helps.