Trading Phones · California, MD
Flexible Financing Options
Get the phone you need today — even without perfect credit. We offer three easy lease-to-own and buy-now-pay-later options to fit your budget.
No Credit? No Problem.
At Trading Phones, we believe everyone deserves access to a quality device. That's why we partner with three trusted financing providers — Progressive Leasing, Acima Leasing, and Zip — so you can walk out with the phone you want and pay over time on your terms.
Applying is fast, easy, and won't affect your credit score. Our staff will walk you through the options and help you choose the plan that works best for you.
Our Financing Partners
Learn how each option works so you can choose the one that fits your situation.
Progressive Leasing
Lease-to-own with no credit neededProgressive Leasing is one of the largest and most trusted lease-to-own providers in the country. Instead of a traditional loan, Progressive purchases the item on your behalf and leases it to you. You make manageable payments over time and have the option to own the item early — often at a discount.
Key Benefits
- No credit needed to apply
- Early purchase options available
- Flexible payment schedules
- Widely accepted nationwide
- No hard credit inquiry
Leasing costs more than paying cash. See your lease agreement for full terms.
How It Works
- 1
Apply in minutes
Fill out a quick application in-store. No hard credit check required — approval is based on factors beyond your credit score.
- 2
Get approved fast
Most customers receive an approval decision within seconds. Once approved, you're ready to pick your device.
- 3
Take your phone home today
Walk out with your new phone the same day. Progressive pays the store and you begin your lease agreement.
- 4
Pay over time or buy early
Make scheduled payments that fit your budget. You can also exercise an early purchase option — often within 90 days — to save on the total cost.
Acima Leasing
Lease-to-own with flexible termsAcima is a lease-to-own solution designed for customers who may not qualify for traditional financing. Acima buys the merchandise from the retailer and rents it to you under a flexible lease agreement. You can return the item at any time or choose to own it by making all scheduled payments or exercising an early purchase option.
Key Benefits
- Approves many credit situations
- Early purchase option available
- Flexible lease terms
- No security deposit required
- Simple online account management
This is a lease, not a loan or credit. Leasing costs more than a cash purchase.
How It Works
- 1
Quick in-store application
Apply on the spot with just a few pieces of information. Acima looks at your overall financial picture, not just your credit score.
- 2
Instant decision
Receive an approval decision almost immediately. Acima approves a wide range of applicants including those with limited or poor credit history.
- 3
Leave with your device
Once approved, Acima purchases the device from us and you take it home under a lease agreement.
- 4
Own it your way
Continue making payments until the lease is complete, or take advantage of Acima's early purchase option to own the device sooner and reduce your total cost.
Zip
Buy now, pay in 4 installmentsZip (formerly Quadpay) is a buy-now-pay-later service that splits your purchase into four equal installments, paid every two weeks. There are no interest charges — just a small installment fee. It's a simple, transparent way to spread out the cost of your new device without a long-term lease commitment.
Key Benefits
- Split into 4 payments over 6 weeks
- No interest charges
- No hard credit check
- Works with debit or credit cards
- Simple app-based management
A small installment fee applies per payment. See Zip's terms for full details.
How It Works
- 1
Download the Zip app or apply in-store
Create a Zip account in minutes using your email, phone number, and a debit or credit card. No lengthy forms or hard credit checks.
- 2
Split into 4 payments
Your total purchase is divided into four equal payments. The first payment is due at checkout and the remaining three are charged automatically every two weeks.
- 3
Take your phone home
Pay your first installment and walk out with your device. It's that simple — no waiting, no lengthy approval process.
- 4
Pay off in 6 weeks
The remaining three payments are automatically collected every two weeks. You'll be fully paid off in just six weeks with no interest charges.
Frequently Asked Questions
Still have questions? Our team is happy to help in-store or by phone.
Ready to Get Started?
Come into our store and our team will walk you through your financing options in person. No appointment needed.