The most direct way to bypass carrier contracts is to buy an unlocked phone from the manufacturer and use their third-party financing partners.
Major retailers offer their own monthly payment plans for unlocked devices that work on any network. buy phone pay monthly no contract
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 The most direct way to bypass carrier contracts
Buying a new smartphone doesn't have to mean being tied to a long-term carrier contract. In 2026, you can easily finance a phone with monthly payments while keeping the freedom of a "no-contract" prepaid plan. 1. Finance Directly from Manufacturers I use Mint Mobile, which lets you pay
You can often find monthly payment options through Affirm on unlocked devices.
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