Introduction

At 19, starting your path to financial independence comes with many challenges, including navigating the world of credit. While many might think it's better to hold off on buying a cell phone until you have a credit history, it's a common misconception that prevents many from getting the technology they need. This article explores the best ways to purchase an iPhone without a credit history, focusing on practical, secure, and budget-friendly options.

The Importance of a Cell Phone at 19

For a 19-year-old, getting a cell phone is not just about having a reliable communication device; it also serves as a stepping stone to building a credit history. A cell phone can help you stay connected, manage finances, and even find employment. Many post-paid phone plans are likely to be approved even with a low or non-existent credit score, as long as you pay your bills on time. In fact, it's a common practice for young adults to start with a cell phone plan to build their credit.

Secured Credit Cards: A Step Towards Credit Building

If you don't have a credit card, don't worry. You can establish a secured credit card at a bank like Discover or Capital One, which are well-known for their secured card options. These cards typically require you to open a savings account and deposit a certain amount that will serve as your credit limit. Over time, if you manage the account responsibly, you can request to convert your account to an unsecured one. This is a secure way to build your credit history, and many banks offer good interest rates and even rewards for new cardholders.

Alternative Options for iPhones

If a secured credit card seems too daunting, consider other options for purchasing an iPhone without a credit card. One practical approach is to buy a used iPhone and then opt for a prepaid plan. Many providers buy large quantities of refurbished iPhones, which can be a cost-effective solution. Prepaid plans can be obtained from providers like Prepaid Wireless, Tello, and others that don't require a credit check.

For a first phone, an Android device might be a better choice. Brands like Motorola offer durable, budget-friendly models. For example, the Motorola G6, which I purchased for $80, was a sturdy start. To avoid costly repairs, it's essential to protect your new phone with a case and screen protector. You can find affordable cases at stores like Five Below or on eBay.

Network Considerations and Budget-Friendly Plans

When purchasing an iPhone or any other phone, it's important to consider the network it operates on. iPhones can run on proprietary networks, making them somewhat less flexible. If you prefer an Android device, you can opt for an unlocked phone that can run on various networks.

For a more budget-friendly plan, companies like PagePlus Cellular and Mint offer competitive options. PagePlus Cellular runs on the Verizon 4G LTE network and offers a basic plan for around $12 per month. Mint, which operates on Sprint's 5G network, often provides attractive buy-one-get-one-free offers for new users. These plans can be an excellent way to get and use your phone while staying within a budget.

Final Advice

For young adults like yourself, establishing a credit history is crucial. While it might seem challenging, starting with a cell phone plan can be both practical and helpful. Whether you choose a secured credit card or an Android device with a prepaid plan, there are many options available to help you get started. Remember, the key is to start small and manage your finances responsibly.

Should you have any follow-up questions or need more advice, feel free to leave them in the comments below, and I will do my best to assist you.

Have a fantastic day!