You can often find monthly payment options through Affirm on unlocked devices.
Use the Apple Card to pay for an iPhone in 24 monthly installments at 0% APR.
Offers financing through Klarna in the UK or other partners in the US, providing interest-free options for up to 36 months.
I bought my phone (pixel 6) two years ago, refurbished. I use Mint Mobile, which lets you pay for your monthly service up front 3/ Mint Mobile
Some no-contract carriers now allow you to pay for a phone in installments, though they may require a credit check or a "lease-to-own" agreement. Mint Mobile
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