💳 No Perfect Credit Required

Get your device now,
pay over time

We work with three financing partners plus in-store layaway, so there's a way to get what you need today — whatever your credit looks like.

1

Pick a partner

Compare the three options below and pick whichever fits your situation best.

2

Apply online in minutes

Takes about 2 minutes on your phone. Most people get a decision instantly.

3

Walk in and pick it up

Show your approval at any of our 13 Texas locations and take your device home.

Financing Partners

Choose what works for you

All three are lease-to-own or installment programs — you're approved based on your income and banking history, not just your credit score.

Most Popular

Acima

Lease-to-own · flexible terms
  • No long-term commitment required
  • 90-day early purchase option to save money
  • Decision in as little as a few minutes
Apply with Acima →

American First Finance

Easy approval financing
  • Covers both device purchases and repairs
  • Fast, simple online application
  • Flexible payment schedules
Apply with AFF →

Approve.me

Quick pre-qualify
  • Check your options before you commit
  • No hard credit pull to pre-qualify
  • Available at every location
Apply with Approve.me →

Prefer no financing company at all? Ask about Layaway.

Put a device on hold in-store, pay it off on your own schedule with no interest and no application — it's yours once it's paid off. Available at every Mobile Spot location, just ask a team member.

Common Questions

Financing FAQ

Do I need good credit to be approved?
No. All three partners look primarily at your income and banking history rather than a traditional credit score, so approval is possible even with limited or poor credit.
How long does approval take?
Most applications get a decision within a few minutes right on your phone. You can apply before you even come in, and just show your approval at the store.
Can I use financing for a repair, not just a phone purchase?
Yes — American First Finance and Acima can both be used for repairs as well as device purchases. Ask your technician when you check in.
What's the difference between financing and layaway?
Financing lets you take the device home today and pay it off over time through a partner company. Layaway means you pay it off first, in-store, with no interest or application, and pick it up once it's fully paid.
Which locations offer financing?
All 13 Mobile Spot — iFixPhones locations across Texas accept all three financing partners and offer in-store layaway.

Ready to get started?

Have questions before you apply, or want to talk it through with your local store first?

Contact Your Nearest Store