Best Phones & Smartphones to Buy Now, Pay Later: Factory Refurbished Samsung Galaxy S23 Ultra 512GB 12GB RAM & More (Guide 551)
Looking for the best phones & smartphones you can buy now and pay later? We picked 5 popular items US shoppers buy again and again. Every product below can be split into 6 monthly bits with no credit check and no interest. Unlocked smartphones, iPhones, Samsung Galaxy, Motorola and Pixel phones plus cases and chargers.
1. Factory Refurbished Samsung Galaxy S23 Ultra 512GB 12GB RAM Fully Unlocked 6.8" Dynamic AMOLED Display 200MP Camera With S Pen - Green
The Factory Refurbished Samsung Galaxy S23 Ultra 512GB 12GB RAM Fully Unlocked 6.8" Dynamic AMOLED Display 200MP Camera With S Pen - Green has become a best-seller for good reason. It holds a 3.0-star rating from 26,000 reviews. Made by Factory, it costs $749.99 on Izan Deals, and you can buy it now and pay later in 6 monthly bits of about $125.00 — no credit check and no interest.
Price: $749.99 · Pay in bits: 6 × $125.00
Shop Factory Refurbished Samsung Ga2. Open Box Samsung Galaxy S25 Cell Phone, 128GB Smartphone, Unlocked Android, AI Night Mode Camera, Snapdragon 8 Elite Fast Processor, Navy
Shoppers looking for a dependable phones upgrade keep coming back to the Open Box Samsung Galaxy S25 Cell Phone, 128GB Smartphone, Unlocked Android, AI Night Mode Camera, Snapdragon 8 Elite Fast Processor, Navy. Made by Open, it costs $899.96 on Izan Deals, and you can buy it now and pay later in 6 monthly bits of about $149.99 — no credit check and no interest.
Price: $899.96 · Pay in bits: 6 × $149.99
Shop Open Box Samsung Galaxy S25 Ce3. Open Box Samsung Galaxy S22 Ultra 5G, US Version, 512GB, Phantom Black - Unlocked
The Open Box Samsung Galaxy S22 Ultra 5G, US Version, 512GB, Phantom Black - Unlocked is one of the most-searched phones picks in the USA right now. It holds a 5.0-star rating from 37,000 reviews. Made by Open, it costs $1,049.97 on Izan Deals, and you can buy it now and pay later in 6 monthly bits of about $175.00 — no credit check and no interest.
Price: $1,049.97 · Pay in bits: 6 × $175.00
Shop Open Box Samsung Galaxy S22 Ul4. Samsung Galaxy S25 Ultra Sm-s938b/ds 256gb Unlocked Android Cell Phone with 200mp Camera, Titanium Black
The Samsung Galaxy S25 Ultra Sm-s938b/ds 256gb Unlocked Android Cell Phone with 200mp Camera, Titanium Black has become a best-seller for good reason. It holds a 5.0-star rating from 43 reviews. Made by Samsung, it costs $1,366.55 on Izan Deals, and you can buy it now and pay later in 6 monthly bits of about $227.76 — no credit check and no interest.
Price: $1,366.55 · Pay in bits: 6 × $227.76
Shop Samsung Galaxy S25 Ultra Sm-s95. Samsung Galaxy S26, Unlocked Android Smartphone, 256GB, Galaxy AI, AI Camera, Super Fast Charging 3.0, Cobalt Violet
The Samsung Galaxy S26, Unlocked Android Smartphone, 256GB, Galaxy AI, AI Camera, Super Fast Charging 3.0, Cobalt Violet has become a best-seller for good reason. Made by Samsung, it costs $1,424.99 on Izan Deals, and you can buy it now and pay later in 6 monthly bits of about $237.50 — no credit check and no interest.
Price: $1,424.99 · Pay in bits: 6 × $237.50
Shop Samsung Galaxy S26
How paying in bits works
Add any item to your bag, choose “Pay in 6 bits” at checkout, and pay the first bit today. The remaining five bits are charged monthly. There's no credit check and no interest.