Have direct deposit & a job? You're approved.
Get a new iPhone, Samsung, iPad, or MacBook with a down payment as low as $20. Pre-qualify in under 60 seconds — 12 months to pay, 90 days same as cash, and absolutely no credit check.
No credit check
12-month plans
90 days same as cash
Quick qualification check
Do you get paid by direct deposit?
Do you currently have an active job?
Down payments as low as $20
Finance the device you actually want
In stock now at all three Perfect Phone stores across Florida.
iPhone
All models · From $20 down
Samsung Galaxy
All models · From $20 down
iPad
All models · From $20 down
MacBook
All models · From $20 down
New & Certified Pre-Owned
Every device inspected and graded
Factory Unlocked
Works with any carrier
1-Year Warranty
Backed by our warranty program
Direct deposit
Get paid by direct deposit to a bank account.
Active job
Currently employed with steady income.
That's it
No credit check. Ever. Bad credit welcome.
Payment estimator
- Estimated payment
- $17.95
- Weekly
- Estimated initial payment
- $27.95
Approximate estimates, not an official quote or approval. Actual payments and initial amounts may differ; confirm them in your Payvantage agreement. These are not 90-day same-as-cash payment amounts.
Financing questions
What do I need to get approved?+
Just two things: direct deposit into your bank account and an active job. If you have both, you're approved — it's that simple.
Do you check my credit?+
No. Payvantage never runs a credit check. Bad credit, no credit, past collections — none of it matters. Your approval is based on your direct deposit and employment, not your credit score.
How does 90 days same as cash work?+
Pay off your device in full within the first 90 days and you pay no financing cost at all — same as paying cash, just spread over up to 90 days.
How long do I have to pay?+
You get up to 12 months to pay it off with manageable payments. And if you pay it off within 90 days, it's same as cash.
How much is the down payment?+
Down payments start as low as $20, depending on the device you choose.
What devices can I finance?+
Any iPhone, Samsung Galaxy, iPad, or MacBook — new or certified pre-owned. All devices are factory unlocked and backed by Perfect Phone's one-year warranty program.
© 2026 Perfect Phone · 3 locations across Florida · Financing provided by Payvantage. Approval requires verified direct deposit and active employment.