A new mobile phone.

Need A New Phone

Are you in need of a new phone but do not have enough money? You might have more options than you think. Take a look at some ways that you can pay for your new cell phone.

With the average cell phone now costing easily over 800 dollars, it is no surprise that people are struggling with how to pay for them. If your phone has died or is on it’s last legs, here are some ways to come up with the money you need.

1) Finance Your New Phone

The absolute easiest way to pay for a new phone right now is to finance it, and we may be able to help you get an offer.

Get a quote for Cell Phone Financing.

But why should you choose online financing to get your phone. Here are a few advantages.


Let’s face it, everything online is easier. It takes just a few minutes to fill out a form and then you can have an answer. It does not get much easier than that.

Easier Approval

Many of the lenders that are in our group are used to working with bad credit. That means your chances of getting a yes from one of them are better than average.

Get Cash

When you get a loan for your new phone online, you will be able to buy it from any store that you like. You can even save money and shop for a phone on the used market.


Once you accept a loan for the money you need to buy a phone, your lender will immediately start the closing process. This means that you can have money in your bank account as soon as the very next business day.

2) Sell Your Electronics

You need money for a phone and you probably have a lot of old electronics just collecting dust in your home. Collect them all together and then come up with a plan to get them sold. Here are some possibilities.

Sell on eBay.
For those of you who want top dollar, eBay should be the first choice. You can reach millions of buyers and they are motivated to spend by the competition of an auction. The only downside is that you have to wait a few days to get your money and you need to deal with shipping.

Sell on Craigslist or Facebook.

For an immediate payday, Craigslist or Facebook Marketplace is where to go. You might not make as much as you would on eBay, but you have no money and need a phone right now. If you go this route, just be cautious of scammers, who are plentiful on these venues.

Trade it in for credit at a retailer like Best Buy or Staples.

Many retailers are giving you credit on old electronics, especially old cell phones. There are many other electronics on the list though including tablets, computers and video games.

Sell it to a kiosk.

In most major cities, you will find an ecoATM kiosk that will give you cash the same day for your electronics. They accept smart phones and most other devices like iPads.

3) Get A Part Time Job

A part time job can give you the money you need now to buy a phone and it can help you to save for future purchases. Think you do not have time or it is too hard to qualify for a part time gig, you are wrong. These days, retailers are hurting for employees which means that you can easily get a job and that they will work with virtually any schedule. Here are some place to consider.


With stores in every city and with most stores being open 24 hours, there is plenty of opportunity at Walmart to earn an extra paycheck.


If you have a target in your area, you can probably do even better than Walmart. Te retailer has a minimum wage of $15 across the country, with pay up to $24 an hour in select markets.


Ultimate flexibility, but it does require you to drive your own vehicle. Drivers can make over $20 an hour, but you need to factor in the costs of fuel, insurance and vehicle wear and tear.

Customer Service

Most companies have made their customer service positions remote, so you may be able to earn the money for your new phone in your extra time at home. Search the typical online job markets like Monster and Indeed for positions.

4) Sign A Phone Contract

Providers like Verizon and T-Mobile will gladly finance a phone for you at 0 percent interest if you sign a contract. Yes, you will be locked in to service with a major provider, but if you do not have money this second to buy a new phone, it is a good alternative.

A downside to this method is that you will not be able to negotiate a deal for a phone, but many retailers offer buy one get one free deals. Besides this drawback, financing a phone at no interest is a great deal.

5) Hustle For Your New Phone

You have no money, but you need a phone. The problem is that you need it fast and perhaps you do not have just one place that you can turn to get 800 dollars or more for a phone. One last solution is to hustle and turn to multiple sources to get your money. Here are some ideas.

Walk Dogs

With Rover, you can earn 15 dollars or more for simply walking a dog. When you consider that it takes just 15 to 20 minutes to complete a walk, you can see that there is some real money potential there. Best of all, as your reviews start coming in, you can raise prices.

Do Surveys

The money is small, but it is there. The trick with surveys is to do them exclusively in your spare time. The last thing that you want to do is take time when you could be earning and devote it to low paying surveys. That being said, they can convert wasted time into time that pays.

Give Plasma

New donors can get 600 dollars to 800 dollars in a single month from donating life giving plasma. You have to be good with needles, and you will have to come in multiple times, but it is a great way to get the money you need and do something good.

Sell Your Clothing

Second hand retail shops are all over the place and they would love to buy your gently used clothing. The only catch is that it needs to be designer clothing. If you need money for a phone, the answer could be as simple as cleaning out your closet.

Sell Scrap

Scrap metal has always been an easy way to make some extra money, and it is usually free. People are dumping scrap on the road all of the time, and all you need to do is pick it up. You can then take it to a scrap yard and cash in.

6) No Money? Buy Used

One last option is to buy your phone used. Check with friends and see if anyone has an extra phone that they might be willing to sell. Before pulling the trigger however, make sure it is unlocked or will work with your network.

Another option it to purchase a used phone on a website like eBay. Just be sure that there are buyer protections in place to keep you from getting scammed.

Posted by

James Car is a finance, loan and budget expert based in the United States. After attending Brookhaven college, he went on to become a successful entrepreneur. He now enjoys writing articles that help people save and make the most of their money.