Ultra Mobile offers a wide variety of smartphones, including the newest iPhone, Google Pixel, and Samsung Galaxy. Ultra Mobile operates on T-Mobile’s excellent network, so no matter which device you pick, you can rest assured you’ll have great coverage.
Ultra Mobile offers the following payment options for its phones:
- Buy it outright
- Monthly installments through Affirm
Keep in mind, Affirm is a third-party financing company that typically charges interest, so you’ll wind up paying more than the total retail price for the device. That said, Ultra Mobile’s website doesn’t specify what your interest may be—instead, it lists sample prices on 12-month, 18-month, and 24-month installment plans, and says that your actual terms may vary. You have to check your eligibility in order to receive your estimated quote.
Ultra Mobile allows you to pay off your device over 12, 18, or 24 months.
iPhones from Ultra Mobile
Ultra Mobile doesn’t have a broad iPhone selection—it only offers the newest iPhones from the last year or two. There aren’t any older models available for budget-minded customers.
Top 10 iPhones available right now (full list of Ultra Mobile iPhones here)
Android Phones from Ultra Mobile
Ultra offers a nice selection of Android phones to choose from. You can get the new Google Pixel 4/4 XL, as well as Samsung’s S10 and Note10. The carrier also offers devices from brands like Alcatel, Motorola, LG, Coolpad, and ZTE.
Top 10 Android phones available right now (full list of Ultra Mobile Android phones here)
Cheap Phones from Ultra Mobile
Not everyone needs the latest and greatest smartphones on the market. Fortunately, Ultra Mobile offers several smartphones for under $400. Choosing one of these devices and paying for it outright may be the best way to avoid catastrophic interest rates.
Top 10 cheap phones available right now (full list of Ultra Mobile cheap phones here)
How to Buy a New Phone on Ultra Mobile
There are two ways to buy an Ultra Mobile phone: paying for the phone upfront or via monthly installments. This small carrier partners with Affirm, a third-party company, to provide you with monthly payment options.
Buying an Ultra Mobile Phone Outright
The most straightforward way to buy an Ultra Mobile phone is to pay the full retail price upfront. Simply select the device you want, add it to your cart, and fill out your billing and shipping information. Ultra Mobile doesn’t charge taxes and fees on its smartphones, nor does it charge you for shipping.
If the outright price of a new smartphone isn’t a realistic option for you, you can always opt for a monthly installment plan. Ultra Mobile partners with Affirm to provide consumers with payment plans that break up the RRP of a new phone into affordable monthly payments. The only caveat is that Affirm typically charges interest so that you end up paying more than the phone’s retail price by the end of your installment plan.
Ultra Mobile partners with Affirm to provide consumers with payment plans that break up the RRP of a new phone into affordable monthly payments. The only caveat is that Affirm typically charges interest on the device you purchase.
Affirm’s website states that the interest rate depends on an individual’s credit score but it can range from 0% to 30%. Ultra Mobile’s website doesn’t specify the range of rates it may charge. It lists sample rates for monthly installment periods of 12, 18, and 24 months, using 0% interest, but there’s a chance you may be charged a lot higher APR. In order to determine your interest rate, you’ll have to check your eligibility online.
It’s free to check your installment plan eligibility through Affirm, and the good news is it doesn’t impact your credit score. Within a couple minutes, you will receive an email with your estimated interest rate. In the grand scheme of things, an interest rate of 5% or lower probably won’t affect your overall spending too much, but 15% to 30% may not be worth it in the end.