Founder
About Rob
Rob has 15+ years experience running price comparison & review websites that empower consumers to find the cheapest cell phone services, cell phone deals, home phone, and internet providers available. He has been published in Forbes, US News, Entrepreneur, Huffington Post, Inc.
Rob's Expertise
5G wireless networks, cell phone plans, cell phone deals, MVNOs, internet services, tablets, comparison shopping, money saving, reviewing telecom products & services
MoneySavingPro independently researches the products & services to bring you our recommendations. We may earn money when you click our links - disclosure policy.
Fancy getting the cheapest no-contract phone while saving up to $600 a year, per line?
At a time when all your household costs are increasing, your cell phone bill doesn't need to be one of them. At MoneySavingPro we can help you find the no-contract phone you want, on your favorite network, at a much lower cost.
If you've not heard of MVNOs, you're not alone. They're low-cost carriers that operate on the three major US networks, offering the same 5G & 4G LTE wireless coverage but with plans starting as low as $10 a month.
Buying a phone directly from a major network may look like a good deal initially but after factoring in the cost of their over-priced unlimited data plans over 3 years, you could end up paying as much as $2,000 more than you need to!
We've compiled a list of the cheapest no-contract phones from low-cost carriers, so you can find the best phone deal at the cheapest price without sacrificing your wireless service.
Best cheap no contract cell phones in June
Best cheap no contract iPhones
Cheapest iPhone SE prices
Apple iPhone SE (2nd Gen)
- Retailer
- US Mobile
- Storage
- 128GB
- Network
- Verizon
- Condition
- NEW
- Price
-
$37/mo 15% APR for 12 mths
The Apple iPhone SE (2nd Gen) has 128GB storage capacity. It includes a 4.7 inches screen and 12 MP camera. This new iPhone SE (2nd Gen) is available from US Mobile with Verizon & T-Mobile network coverage and prices starting from $37/mo.
| Device | 128GB | 64GB | 256GB |
|---|---|---|---|
| Apple iPhone SE (2nd Gen) Verizon | $37/mo | $39/mo | $46/mo |
| Apple iPhone SE (2nd Gen) T-Mobile | $37/mo | $39/mo | $46/mo |
| Apple iPhone SE (2nd Gen) Unlocked | $37/mo | $39/mo | $46/mo |
Cheapest iPhone 12 prices
Apple iPhone 12 mini
* Save $100 with phone service
- Retailer
- Red Pocket
- Storage
- 64GB
- Network
- AT&T
- Condition
- NEW
- Price
-
$22/mo* 0% APR for 24 mths
The Apple iPhone 12 mini has 64GB storage capacity. It includes a 5.4 inches screen and 12 MP camera. This new iPhone 12 mini is available from Red Pocket with AT&T network coverage and prices starting from $22/mo.
| Device | 64GB | 128GB | 256GB |
|---|---|---|---|
| Apple iPhone 12 mini AT&T | $22/mo | $24/mo | $28/mo |
| Apple iPhone 12 mini Verizon | $61/mo | - | $73/mo |
| Apple iPhone 12 mini T-Mobile | $61/mo | - | $73/mo |
| Apple iPhone 12 mini Unlocked | $22/mo | $24/mo | $28/mo |
Apple iPhone 12
- Retailer
- US Mobile
- Storage
- 128GB
- Network
- Verizon
- Condition
- NEW
- Price
-
$71/mo 15% APR for 12 mths
The Apple iPhone 12 has 128GB storage capacity. It includes a 6.1 inches screen and 12 MP camera. This new iPhone 12 is available from US Mobile with Verizon & T-Mobile network coverage and prices starting from $71/mo.
| Device | 64GB | 128GB | 256GB |
|---|---|---|---|
| Apple iPhone 12 AT&T | $26/mo | $28/mo | $32/mo |
| Apple iPhone 12 Verizon | - | $71/mo | $83/mo |
| Apple iPhone 12 T-Mobile | - | $71/mo | $83/mo |
| Apple iPhone 12 Unlocked | $26/mo | $71/mo | $32/mo |
Cheapest iPhone 13 prices
Apple iPhone 13 mini
* Save $100 plus $200 rebate
- Retailer
- Red Pocket
- Storage
- 128GB
- Network
- AT&T
- Condition
- NEW
- Price
-
$22/mo* 0% APR for 24 mths
The Apple iPhone 13 mini has 128GB storage capacity. It includes a 5.4 inches screen and 12 MP camera. This new iPhone 13 mini is available from Red Pocket with AT&T network coverage and prices starting from $22/mo.
| Device | 128GB | 256GB | 512GB |
|---|---|---|---|
| Apple iPhone 13 mini AT&T | $22/mo | $30/mo | $35/mo |
| Apple iPhone 13 mini Verizon | $71/mo | $69/mo | $86/mo |
| Apple iPhone 13 mini T-Mobile | $71/mo | $69/mo | $86/mo |
| Apple iPhone 13 mini Unlocked | $22/mo | $30/mo | $35/mo |
Apple iPhone 13
* Save $100 plus $200 rebate
- Retailer
- Red Pocket
- Storage
- 128GB
- Network
- AT&T
- Condition
- NEW
- Price
-
$26/mo* 0% APR for 24 mths
The Apple iPhone 13 has 128GB storage capacity. It includes a 6.1 inches screen and 12 MP camera. This new iPhone 13 is available from Red Pocket with AT&T network coverage and prices starting from $26/mo.
| Device | 128GB | 256GB | 512GB |
|---|---|---|---|
| Apple iPhone 13 AT&T | $26/mo | $30/mo | $39/mo |
| Apple iPhone 13 Verizon | $74/mo | $56/mo | $63/mo |
| Apple iPhone 13 T-Mobile | $74/mo | $30/mo | $30/mo |
| Apple iPhone 13 Unlocked | $26/mo | $30/mo | $39/mo |
Best cheap no contract Android phones
Cheap Samsung phones
Cheap One Plus phones
OnePlus Nord N10
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 128GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$11/mo* 0% APR for 18 mths
The OnePlus Nord N10 has 128GB storage capacity. It includes a 6.49 inches screen and 64 MP camera. This new Nord N10 is available from Mint Mobile with T-Mobile network coverage and prices starting from $11/mo.
| Device | 128GB |
|---|---|
| OnePlus Nord N10 Unlocked | $11/mo |
Cheap Motorola phones
Motorola Moto E
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 32GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$11/mo* 0% APR for 12 mths
The Motorola Moto E has 32GB storage capacity. It includes a 6.2 inches screen and 13 MP, 2 MP camera. This new Moto E is available from Mint Mobile with T-Mobile network coverage and prices starting from $11/mo.
| Device | 32GB |
|---|---|
| Motorola Moto E Unlocked | $11/mo |
Motorola Moto G Power
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 32GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$12/mo* 0% APR for 12 mths
The Motorola Moto G Power has 32GB storage capacity. It includes a 6.4 inches screen and 16 MP camera. This new Moto G Power is available from Mint Mobile with T-Mobile network coverage and prices starting from $12/mo.
| Device | 32GB | 128GB | 64GB |
|---|---|---|---|
| Motorola Moto G Power Unlocked | $12/mo | $150 | $189 |
Cheap Nokia phones
Cheapest no contract phones benefits
Low-cost carriers offer the same phones as the big three, from the latest Apple iPhones and Samsung Galaxy phones to budget-friendly Motorola phones.
If flexibility is important, no contract phone deals give you peace of mind that you can change networks or carriers without any additional charges.
There are a number of benefits to purchasing phones with low-cost carriers.
Save money: MVNOs like Visible offer the cheapest no contract phones while saving you up to $600 per year, per line.
Latest cell phones: Offering the same phones as the big three, but without the three-year contract.
No long-term commitment: Find a selection of no-contract phones from low-cost carriers giving you the flexibility of no lengthy contracts.
Cheap monthly payments: Many low-cost carriers offer affordable interest-free payment plans on their phones along with cell phone plans starting from only $10 a month.
Unlimited data plan: There's still the option of unlimited data phone plans, however unlimited doesn't always mean unlimited, so be sure to check the small print.
5G compatible: If you want access to the fast 5G network, there are plenty of no-contract 5G phones to choose from.
Phones for seniors: Find the cheapest no-contract phones for seniors with plenty to choose from whether you want a budget phone or the latest Apple iPhone.
Phones for kids: Low-cost carriers offer a variety of cheap no-contract phones, and for even more savings they offer the best family phone plans with multi-line discounts.
Cheapest no contract T-Mobile phones
You'll find attractive T-Mobile prepaid phones from small carriers such as Mint Mobile and Ting. Compare prices side-by-side on the iPhone 13, iPhone 13 Pro, plus the Max and mini.
| Device | 32GB | 64GB | 128GB |
|---|---|---|---|
| Samsung Galaxy A03s (T-Mobile) | $9/mo | - | - |
| Samsung Galaxy A13 (T-Mobile) | - | $12/mo | - |
| Samsung Galaxy S20 Ultra (T-Mobile) | - | - | $19/mo |
| Samsung Galaxy Note20 (T-Mobile) | - | - | $19/mo |
| Samsung Galaxy S21 FE (T-Mobile) | - | - | $20/mo |
| Samsung Galaxy S21 (T-Mobile) | - | - | $21/mo |
| Samsung Galaxy Note20 Ultra (T-Mobile) | - | - | $25/mo |
| Samsung Galaxy S22 (T-Mobile) | - | - | $29/mo |
| Samsung Galaxy S22+ (T-Mobile) | - | - | $33/mo |
| Apple iPhone 14 (T-Mobile) | - | - | $35/mo |
Cheapest no contract AT&T phones
AT&T carriers like PureTalk and Red Pocket Mobile offer some of the best AT&T prepaid phones on models like the Galaxy S21+ and iPhone SE.
| Device | 64GB | 128GB | 256GB |
|---|---|---|---|
| Apple iPhone SE (AT&T) | $14/mo | $16/mo | $20/mo |
| Apple iPhone 13 mini (AT&T) | - | $22/mo | - |
| Apple iPhone 13 (AT&T) | - | $26/mo | $30/mo |
| Apple iPhone 14 (AT&T) | - | $30/mo | $35/mo |
| Apple iPhone 12 Pro (AT&T) | - | - | $33/mo |
| Apple iPhone 13 Pro (AT&T) | - | $33/mo | $37/mo |
| Apple iPhone 14 Plus (AT&T) | - | $35/mo | - |
Cheapest no contract Verizon phones
Score yourself a Galaxy S21, iPhone 13 mini, or one of several other great Verizon prepaid phones with carriers like Reach Mobile and Xfinity Mobile.
| Device | 64GB | 128GB |
|---|---|---|
| Samsung Galaxy A13 (Verizon) | $23/mo | - |
| Apple iPhone SE (Verizon) | $39/mo | - |
| Apple iPhone 14 Pro (Verizon) | - | $63/mo |
| Samsung Galaxy S22+ (Verizon) | - | $63/mo |
| Samsung Galaxy S21 FE (Verizon) | - | $64/mo |
| Apple iPhone 14 Pro Max (Verizon) | - | $69/mo |
| Apple iPhone 12 (Verizon) | - | $71/mo |
| Samsung Galaxy S22 (Verizon) | - | $73/mo |
| Apple iPhone 13 (Verizon) | - | $74/mo |
| Samsung Galaxy S22 Ultra (Verizon) | - | $75/mo |
Best cheap refurbished phones
| Device | 32GB | 128GB | 256GB | 64GB |
|---|---|---|---|---|
| Apple iPhone 7 Refurbished | $95 | $169 | $148 | - |
| Apple iPhone 7 Plus Refurbished | $123 | $135 | - | - |
| Apple iPhone SE Refurbished | - | - | $200 | - |
| Apple iPhone XR Refurbished | - | - | - | $220 |
| Apple iPhone 11 Refurbished | - | - | $367 | - |
| Apple iPhone 12 Refurbished | - | - | - | $482 |
| Apple iPhone 14 Pro Refurbished | - | $895 | - | - |
Best cheap no contract phone plans
Carrier |
Network | Data |
Price |
|---|---|---|---|
T-Mobile | 1GB |
$10/mo |
|
Verizon & T-Mobile | 2GB |
$12/mo |
|
AT&T & T-Mobile | 5GB |
$15/mo |
|
T-Mobile | 15GB |
$20/mo |
|
AT&T & T-Mobile | Unltd |
$25/mo |
Buying a prepaid phone is a great start to saving money on your wireless expenses. We're not done yet, though - there's more you can do to free up room in your budget for other things.
Switch to a cheaper no contract plan
You don't have to go with a pay-as-you-go cell phone plan in order to save huge and avoid a contract. Instead, you can take your prepaid phone to an MVNO.
An AT&T, T-Mobile, and Verizon - and resells it to you at a cheaper price. They can do this because most of them operate online selling prepaid plans, thus their overhead is much lower than the major carriers.
T-Mobile vs Mint Mobile comparison
Keep your T-Mobile phone, number & coverage: Save $600 per year
Carrier |
Network Coverage |
4G/5G Data |
Price |
Annual Cost |
|---|---|---|---|---|
T-Mobile |
T-Mobile 4G & 5G | Unltd* |
$70/mo |
$840/yr |
Mint Mobile |
T-Mobile 4G & 5G |
15GB |
$20/mo |
$240/yr |
*Don't waste money on unlimited data - Avg. data usage is only 3-5GB |
Savings |
$50/mo |
$600/yr |
|
Prepaid carrier benefits
Cheaper by up to 50%
Cell phone service on the same reliable high-speed network you're used to
No-contract plans
Custom plans - pay only for what you need, similar to pay-as-you-go plans
Great customer service
Bring your own phone and keep your number
In short, you can put together a monthly plan that fits your needs, at a lower cost than the big three networks charge. Whether that means an unlimited data plan with unlimited talk and text, or the cheapest cell phone plan you can find, the options are out there.
Cheap no contract phones FAQs
What is the cheapest phone available?
There are plenty of options whether you're looking for an Android or Apple phone. The iPhone SE is an affordable way to get access to an iPhone, or the Google Pixel 4a provides good value for money for an Android smartphone. Both phones are under $400.
Can you pay for a phone monthly without a plan?
Yes, you can purchase a phone separately from a plan. With most prepaid phones you pay for the phone upfront in full.
Recap
Whether looking for the latest iPhone or a cheap cell phone, Mobile Virtual Network Operators can save you hundreds of dollars a year.
MVNOs, like Red Pocket Mobile or Visible, offer no-contract phones with cheap plans, often with interest-free payments over 12-24 months.
Although the major networks offer to finance over 36 months, being tied into their over-priced unlimited data plans for 3 years could mean wasting as much as $2,000!
Compare deals from low-cost carriers to find the best no contract phones at the cheapest price.
