If you prefer to pay in installments rather than upfront, several carriers offer programs that require your bank information but often skip traditional credit checks.

: Allows customers who pay their bill on time for 12 months to qualify for $0 down on phones without a credit check. 🛠️ How to Complete the Purchase To use your checking account online, follow these steps: Lease to Own Phones – No Credit Needed | AT&T Prepaid

: You can add a bank account as a payment option in your Microsoft account settings. 📱 Financing & Lease-to-Own Options

: A lease-to-own option for phones over $199.99. You'll need to provide bank information, a valid ID, and your SSN.

: A financing plan where you make the first payment with a debit card and subsequent payments are drawn from your account.