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 pay-as-you-go 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 PAYG 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 pay-as-you-go phones from low-cost carriers, so you can find the best phone deal at the cheapest price without sacrificing your wireless service.
Cheapest pay as you go phones
Cheap pay as you go iPhones
Prepaid 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 |
Apple iPhone 13 Pro
* Save $100 plus $200 rebate
- Retailer
- Red Pocket
- Storage
- 128GB
- Network
- AT&T
- Condition
- NEW
- Price
-
$33/mo* 0% APR for 24 mths
The Apple iPhone 13 Pro has 128GB storage capacity. It includes a 6.1 inches screen and 12 MP camera. This new iPhone 13 Pro is available from Red Pocket with AT&T network coverage and prices starting from $33/mo.
| Device | 128GB | 256GB | 512GB | 1TB |
|---|---|---|---|---|
| Apple iPhone 13 Pro AT&T | $33/mo | $37/mo | $46/mo | $54/mo |
| Apple iPhone 13 Pro Verizon | - | $67/mo | $72/mo | $83/mo |
| Apple iPhone 13 Pro T-Mobile | $42/mo | $46/mo | $54/mo | $62/mo |
| Apple iPhone 13 Pro Unlocked | $33/mo | $37/mo | $46/mo | $54/mo |
Apple iPhone 13 Pro Max
* Save $100 plus $200 rebate
- Retailer
- Red Pocket
- Storage
- 128GB
- Network
- AT&T
- Condition
- NEW
- Price
-
$37/mo* 0% APR for 24 mths
The Apple iPhone 13 Pro Max has 128GB storage capacity. It includes a 6.7 inches screen and 12 MP camera. This new iPhone 13 Pro Max is available from Red Pocket with AT&T network coverage and prices starting from $37/mo.
| Device | 128GB | 256GB | 512GB | 1TB |
|---|---|---|---|---|
| Apple iPhone 13 Pro Max AT&T | $37/mo | $42/mo | $50/mo | $58/mo |
| Apple iPhone 13 Pro Max Verizon | - | $72/mo | $78/mo | $89/mo |
| Apple iPhone 13 Pro Max T-Mobile | $46/mo | $50/mo | $58/mo | $67/mo |
| Apple iPhone 13 Pro Max Unlocked | $37/mo | $42/mo | $50/mo | $58/mo |
Prepaid 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 |
Prepaid iPhone 11 prices
Apple iPhone 11
* Save $100 with phone service
- Retailer
- Red Pocket
- Storage
- 64GB
- Network
- AT&T
- Condition
- NEW
- Price
-
$17/mo* 0% APR for 24 mths
The Apple iPhone 11 has 64GB storage capacity. It includes a 6.1 inches screen and 12 MP camera. This new iPhone 11 is available from Red Pocket with AT&T network coverage and prices starting from $17/mo.
| Device | 64GB | 128GB | 256GB |
|---|---|---|---|
| Apple iPhone 11 AT&T | $17/mo | $19/mo | $27/mo |
| Apple iPhone 11 Unlocked | $17/mo | $19/mo | $27/mo |
Prepaid 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 |
Cheap pay as you go Samsung phones
Samsung Galaxy S21+
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 128GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$20/mo* 0% APR for 24 mths
The Samsung Galaxy S21+ has 128GB storage capacity. It includes a 6.7 inches screen and 64 MP camera. This new Galaxy S21+ is available from Mint Mobile with T-Mobile network coverage and prices starting from $20/mo.
| Device | 128GB |
|---|---|
| Samsung Galaxy S21+ T-Mobile | $20/mo |
| Samsung Galaxy S21+ Unlocked | $20/mo |
Samsung Galaxy S21
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 128GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$21/mo* 0% APR for 24 mths
The Samsung Galaxy S21 has 128GB storage capacity. It includes a 6.2 inches screen and 64 MP camera. This new Galaxy S21 is available from Mint Mobile with T-Mobile network coverage and prices starting from $21/mo.
| Device | 128GB |
|---|---|
| Samsung Galaxy S21 T-Mobile | $21/mo |
| Samsung Galaxy S21 Unlocked | $21/mo |
Samsung Galaxy S21+
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 128GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$20/mo* 0% APR for 24 mths
The Samsung Galaxy S21+ has 128GB storage capacity. It includes a 6.7 inches screen and 64 MP camera. This new Galaxy S21+ is available from Mint Mobile with T-Mobile network coverage and prices starting from $20/mo.
| Device | 128GB |
|---|---|
| Samsung Galaxy S21+ T-Mobile | $20/mo |
| Samsung Galaxy S21+ Unlocked | $20/mo |
Samsung Galaxy Note20
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 128GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$19/mo* 0% APR for 24 mths
The Samsung Galaxy Note20 has 128GB storage capacity. It includes a 6.7 inches screen and 64 MP camera. This new Galaxy Note20 is available from Mint Mobile with T-Mobile network coverage and prices starting from $19/mo.
| Device | 128GB |
|---|---|
| Samsung Galaxy Note20 T-Mobile | $19/mo |
| Samsung Galaxy Note20 Unlocked | $19/mo |
Samsung Galaxy Note20 Ultra
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 128GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$25/mo* 0% APR for 24 mths
The Samsung Galaxy Note20 Ultra has 128GB storage capacity. It includes a 6.9 inches screen and 108 MP camera. This new Galaxy Note20 Ultra is available from Mint Mobile with T-Mobile network coverage and prices starting from $25/mo.
| Device | 128GB |
|---|---|
| Samsung Galaxy Note20 Ultra T-Mobile | $25/mo |
| Samsung Galaxy Note20 Ultra Unlocked | $25/mo |
Cheapest pay-as-you-go phones benefits
Low-cost carriers offer the same phones as the big three, from Apple iPhones to budget-friendly Nokia phones.
If flexibility is important, pay-as-you-go phones can give you the freedom of not being stuck in a lengthy contract, along with a number of other benefits.
Save money: Low-cost carriers offer the cheapest PAYG 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: Pay-as-you-go phones give you the freedom of no 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 5G pay-as-you-go phones to choose from.
Phones for seniors: Find the cheapest pay-as-you-go phones for seniors with plenty to choose from whether you want a budget phone or the latest Samsung Galaxy.
Phones for kids: Low-cost carriers offer a variety of cheap PAYG phones, and for even more savings they offer the best family phone plans with multi-line discounts.
Cheap T-Mobile pay as you go phones
| 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 |
Cheap AT&T pay as you go phones
| 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 | - |
Cheap Verizon pay as you go phones
| 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 |
Cheap pay as you go Android phones
Prepaid Motorola phones
Motorola Moto One Ace
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 64GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$11/mo* 0% APR for 18 mths
The Motorola Moto One Ace has 64GB storage capacity. It includes a 6.7 inches screen and 48 MP camera. This new Moto One Ace is available from Mint Mobile with T-Mobile network coverage and prices starting from $11/mo.
| Device | 64GB | 128GB |
|---|---|---|
| Motorola Moto One Ace Unlocked | $11/mo | $19/mo |
Motorola Moto Edge
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 256GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$15/mo* 0% APR for 24 mths
The Motorola Moto Edge has 256GB storage capacity. It includes a 6.7 inches screen and 64 MP camera. This new Moto Edge is available from Mint Mobile with T-Mobile network coverage and prices starting from $15/mo.
| Device | 256GB |
|---|---|
| Motorola Moto Edge Unlocked | $15/mo |
Motorola RAZR
* $50 Off with 12 Month Plan
- Retailer
- Mint Mobile
- Storage
- 256GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$42/mo* 0% APR for 24 mths
The Motorola RAZR has 256GB storage capacity. It includes a 6.2 inches, 2.7 inches screen and 48 MP camera. This new RAZR is available from Mint Mobile with T-Mobile network coverage and prices starting from $42/mo.
| Device | 256GB |
|---|---|
| Motorola RAZR Unlocked | $42/mo |
Prepaid Nokia phones
Prepaid OnePlus 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 |
Prepaid LG phones
LG K51
- Retailer
- Ultra Mobile
- Storage
- 32GB
- Network
- T-Mobile
- Condition
- NEW
- Price
-
$10/mo 0% APR for 24 mths
The LG K51 has 32GB storage capacity. It includes a 6.5 inches screen and 13 MP camera. This new K51 is available from Ultra Mobile with T-Mobile network coverage and prices starting from $10/mo.
| Device | 32GB |
|---|---|
| LG K51 Unlocked | $10/mo |
Cheapest pay as you go phone plans
Carrier |
Network | Data |
Price |
|---|---|---|---|
T-Mobile | 1GB |
$10/mo |
|
T-Mobile | 2GB |
$20/mo |
|
T-Mobile | 4GB |
$15/mo |
|
Verizon & T-Mobile | 15GB |
$20/mo |
|
AT&T & T-Mobile | Unltd |
$25/mo |
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 |
10GB |
$20/mo |
$240/yr |
*Don't waste money on unlimited data - Avg. data usage is only 3-5GB |
Savings |
$50/mo |
$600/yr |
|
Cheap pay as you go phones FAQs
Who has the cheapest pay as you go phones?
The best value prepaid cell phones are available from MVNOs. Deals are changing constantly, but you'll find some affordable prices, and sometimes discounts, on certain handsets.
Are pay as you go phones a good deal?
Compared to getting tied into a lengthy contract, prepaid phones could save you hundreds of dollars in the long run. As well as saving you money without a contract they give you the flexibility to change plans or phones when it suits you.
Recap
Whether you're looking for the latest iPhone or just a cheap PAYG cell phone, Mobile Virtual Network Operators can save you hundreds of dollars a year.
MVNOs, like Mint Mobile or Red Pocket, offer PAYG 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 pay as you go phones at the cheapest price.
