Does MetroPCS Finance Phone? Yes

If you want to purchase a new phone and you don’t have the money to outrightly pay for it, there is an option to finance the phone. Financing a mobile phone allows you to pay a small down payment, collect the phone and make monthly payments to complete the payment.

Most mobile phone carriers in the United States have the finance phone purchase option.

If you’re a subscriber that wants to opt for a MetroPCS phone and you want to know if MetroPCS finance phones, this post is for you. The short answer is that. Yes. MetroPCS does finance phones. Continue reading to find out details of how the MetroPCS finance phone policy works. That includes eligibility, and how to get started.

Does MetroPCS Finance Phone?

Yes. MetroPCS does finance phones. With the MetroPCS finance phone package, a customer can purchase a phone with just a small down payment. Note that the finance phone package is available for just 4G smartphones. Also, you need to have an active checking account to qualify.  

How Does MetroPCS Finance Phone Package Work?

How the MetroPCS fiancé phone program works is that, when you apply, Metro checks to determine the type of smartphone you qualify for.

 For instance, if you qualify for $700 for your next device, you can opt for two less expensive smartphones or one expensive smartphone.

This package is similar to the T-Mobile Value plan. But the difference is that the T-Mobile plan comes with a two-year contract.  

You are required to pay an access phone between $8.95 to $17.95. The exact amount you pay depends on the billing amount you’re required to pay.

Who Is Eligible For Metros PCS Finance Phone?

Anybody can qualify for the MetroPCS finance phone package as long as you meet the requirements below.

. Have an active Social Security Number

. 18 years old

. Have a debit or credit card

. Have $1,000 a month earnings before tax.

. Be an Active subscriber.

Once you meet these requirements, you can apply for and get financed for your new Smartphone.

MetroPCS Phone Finance Payment

You pay an access fee which ranges from $8.95 to $17.95 to access the package. After you get the phone, you have 60 days to complete the payment for the Smartphone.

MetroPCS partners with a third-party Lender, SmartPay for its phone finance deal. After you apply, SmartPay carries out a credit check to make sure you are quality and the type of phone you’re eligible to get.

How To Apply For MetroPCS Phone Finance Program

There are two methods to apply for the MetroPCS phone finance program. The first option is to apply via the SmartPay website here. The second option is to apply on Metro by visiting any T-Mobile store near you.

If you sign up via the SmartPay website, make sure you go through the terms and conditions for payment on the site. It will give you an idea of the amount and time frame you are required to complete the payment for the phone.

MetroPCS Popular Phone Deals

a. $300 Off iPhone 13

The iPhone 13 is unique for its A15 Bionic processor, long battery life, and cool display. 

Metro is one of the few carriers that has a deal on the iPhone 13. You get $300 off the price of the iPhone 13 on the Metro phone deal. To get the discount, trade in your old phone for an iPhone 13, and switch to T-Mobile.

b. $200 Off iPhone 12 and 12 Pro

The iPhone 12 is unique for its upgraded camera system, 5G SIM, and cool design.

Metro offers a $200 instant discount when you switch to MetroPCS on your iPhone 12 or iPhone 12 pro. You can get the same deal on iPhone 11 if you don’t qualify for an iPhone 12.

c. Free Galaxy A21

The Samsung Galaxy A21 Smartphone was released in 2020. The phone has a 5G SIM, Mediatek MT6765 Chipset, Android 10 Operating system, and other cool features.

You can get a free Samsung Galaxy A21 smartphone from Metro by activating your line with Metro. You save up to $249.

Note that all MetroPCS phone deals are only available in-store. This means you have to visit any T-Mobile store near you.


So far, you know that MetroPCS has a phone refinance deal. As long as you meet the eligibility requirement, you can apply. Always go for a Smartphone within your budget because you have just 60 days to complete payment.