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What Are the Best No-Money-Down Cell Phone Plans?

In the not-too-distant past, massive deposits and good credit scores were what you needed to get a good cell phone plan. If you didn’t have the funds or a high credit score, it was a nightmare to get a phone provider to take on your business. Fortunately, there are now no-money-down cell phone plans.

Thanks to these plans, phone users don’t need a good credit score or a huge deposit to get a cell phone plan. As a result, the power is in the hands of the customers. Good thing that there are plenty of plans on offer.


With a record-high 102 million subscribers, T-Mobile is undoubtedly one of the biggest network providers in the U.S.

Generally, T-Mobile users can easily obtain unlimited 4G LTE data plans without a credit check or up-front deposit. To make their plans even more appealing, T-Mobile has the JUMP! On Demand program. Through this program, customers can lease new cell phones at low monthly prices and without a deposit.

Some of the no-money-down deals in this program include:


Verizon, with 120.9 million subscribers, sits at the top of the best no-money-down cell phone providers.

The network provider attracts tons of new customers from every social class with its extensive array of top cell phone brands like LG, Samsung, Apple, and Motorola. Even better, customers can obtain their preferred cell phones without a good credit score or colossal deposit. More so, it boasts of a CDMA-only voice and data network, which helps to improve network services and reduce the strain on cell phone batteries.

Currently, Verizon is offering a free phone when a customer switches or adds a new line. There are a wide variety of phones available in this offer, including Google Pixel 4a, iPhone SE, and Samsung Galaxy A51.

Metro by T-Mobile

Formerly MetroPCS, Metro by T-Mobile is one of the best no-money-down cell phone providers. The network provider offers different cell phone plans with limited or unlimited data plans at varying costs. Mind you, Metro by T-Mobile charges a $20 to $30 upfront fee for its unlimited data plans.

Prospective and new subscribers to Metro by T-Mobile’s unlimited plans can enjoy unlimited calls and texts, international minutes, and an opportunity to add up to four users to the plan. More so, the unlimited plans have a data capacity of 35GB per month.

Right now, Metro by T-Mobile is offering new customers their choice of a free phone when switching. Since the offer is only available in-store, the exact phones available for this offer are unknown, outside of the LG Stylo 6 and Samsung Galaxy A21.

Google Fi

Google has a prevalent presence in different industries, and the cell phone industry is no exception.

Through Google Fi, customers can get other smartphone deals at a fraction of the cost, an affordable subscription plan, and no down payments. Moreover, Google Fi provides better network coverage by intelligently switching between networks.

It’s no surprise that Google Fi is among the best no-money-down cell phone plans on the market. Google Fi subscribers can choose from their preferred cell phone subscription plan from an extensive list of high-end to low-end cell phones, including the Google Pixel 5, Motorola One 5G Ace, and Samsung Galaxy S21 5G.

Even better, Google Fi is offering multiple deals at the moment. The biggest being between $200 to $600 off activation of certain phones and getting the 2020 versions of the Motorola G Power and G Stylus for free when joining the service or adding a new line.


Thanks to network providers like T-Mobile, Verizon, and Google Fi, there’s a wide variety of no-money-down cell phone plans. Poor-quality contracts and bad credit scores are no longer the reason why you can’t get your preferred cell phone plans. So, cheers to a stress-free life as you explore these fantastic offers.

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