Does Metro PCS Finance Phones – Whats The Best Deal?

If you’re among those subscribers asking does Metro PCS finance phones, read on to find out how it works. Whether you are using the phone financing program for personal or you need a metropcs business plan then this is the best course of action.

The Metro PCS finance program is quite new and it makes it possible for all prepaid customers to purchase quality smartphones at a cheap upfront cost. To make this possible Metro PCS partners with Billfloat for their lending option.

With that said you must know that these programs do not use credit checks. Subscribers just need to have an active checking account but the deal breaker for most is the APR of about 36%. In addition, its required to pay an access fee to Billfloat which ranges from $8.95 to $17.95 depending on the billing amount required to be paid by the subscriber.

The program is not different from what is offered by T-Mobile Value plans. The difference is that T-Mobile requires the subscriber to sign a two-year service agreement.

Eligibility Financing Options with MetroPCS

As a prepaid wireless service, MetroPCS has financing plans for new smartphones but some can only be accessed in a nearby store.

They make us of SmartPay at these locations which is a third-party lender. As a subscriber, to be eligible to be financed through SmartPay, you must fulfill these requirements;

1. Be up to 18 years old
2. Possesses an active Social Security number
3. Own a credit or debit card
4. Earn an income of above $1,000 per month before taxes

The program is open and anybody that qualifies for this can apply through the website or a nearby store. After application, SmartPay will perform a credit check to ensure you’re eligible.

Once you meet all the stated requirements, you can then make a purchase. For instance, you can be eligible for $500 for your next device.

This you can use to purchase either an iPhone or Google Pixel. Apart from these, there are other cheap phones. The store has the full list of all the phones in this program.

MetroPCS Phone Deals

iPhone 12/12 Pro – $200 off the initial price

Here, there is $200 off any iPhone 12 or iPhone 12 Pro if you are currently switched to MetroPCS. The deal is only available in the store.

The new iPhone has been on the lips of most people lately because of its upgraded camera, retro design, and ability to use a 5G connection.

The deal is also applicable to iPhone 11 if you still can’t afford iPhone 12 after the $200 discount.

iPhone SE – $350 off the initial price

Here you can get the 2020 Apple iPhone SE for $49.99 if you recently switched to MetroPCS.

• You can get this through bill credits when you purchase in a store or port from another carrier.
• You get to save a total of $500.

For those who don’t know, the iPhone SE is the most recent ultra-compact device which has enough horsepower like what is being offered by other top smartphone manufacturers.

Free Samsung Galaxy A21

This device is free but you must;

• Activate a new line with MetroPCS
• This will save you a total of $249

With the Samsung A21, you’ll get to enjoy the advanced smartphone technology which has interesting functionality just like that Galaxy A21.

To get to enjoy this phone, all that is required from you is to switch from another carrier and then subscribe to the unlimited plan.

For those that prefer the latest Samsung Galaxy 5G phone, you can take advantage of the deal that gives you a discount of;

• $260 for Samsung Galaxy A32
• $300 for Galaxy A52 or
• Free Samsung Galaxy A02

Unlimited data for $40 per Month

You can as well get to enjoy $40 per month unlimited data for new subscribers switching from another carrier. In addition to the less expensive unlimited data, you’ll be opportune to enjoy T-Mobile 5G network at no additional cost.

With the inclusion of 5G access, the MetroPCS unlimited deal offers a good option.

In Conclusion

You’re now aware that MetroPCS finances phones by using a third-party lender, SmartPay. It s important to understand what the program entails and what you’re expected to pay when you get this new device.

Now, are you ready to finally make that switch? Ensure you scan through all the offers to get the best possible deal. If you want to particular phone model, you can time your purchase when you can get it cheaper.

Frequently Asked Questions

Does Metro PCS offer any arranged payment plans for a smartphone?

MetroPCS has a financing program for only 4G phones. The program offers additional 2 months to pay off any selected smartphone.

Billfloat which is their partner on this charges a service fee ranging from $8.95 to $17.95 depending on the billing amount of the subscriber.

Which third-party finance does Metro PCS use?

MetroPCS is in partnership with BillFloat to process the loans to subscribers for this service.

What is the best method to use to finance a phone under Metro PCS?

If you prefer to use the store, it is done through SmartPay. Navigate to www.smartpaylease.com and get to understand the terms and conditions for the payment. It’s possible to apply online, then head to a nearby store.

Can I get T-Mobile phones financed under Metro PCS?

Yes, it’s possible. You can finance any listed phone by going to a designated Metro by T-Mobile store. They’re in partnership with SmartPay for financing the loan.