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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 September
Best cheap no contract iPhones
Cheapest iPhone SE prices
The Apple iPhone SE 2 (2020) has 64GB storage capacity. It includes a 4.7 inches screen and 12 MP camera. This new iPhone SE 2 (2020) is available from Twigby with Verizon network coverage and prices starting from $40/mo.
|Apple iPhone SE 2 (2020) Verizon||$40/mo|
|Apple iPhone SE 2 (2020) Unlocked||$40/mo|
Cheapest iPhone 12 prices
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 $26/mo.
|Apple iPhone 12 mini AT&T||$26/mo||$28/mo||$32/mo|
|Apple iPhone 12 mini Unlocked||$26/mo||$28/mo||$32/mo|
The Apple iPhone 12 has 64GB storage capacity. It includes a 6.1 inches screen and 12 MP camera. This new iPhone 12 is available from Red Pocket with AT&T network coverage and prices starting from $30/mo.
|Apple iPhone 12 AT&T||$30/mo||$32/mo||$37/mo|
|Apple iPhone 12 Verizon||$107/mo||-||-|
|Apple iPhone 12 T-Mobile||$200||-||-|
|Apple iPhone 12 Unlocked||$30/mo||$32/mo||$37/mo|
Cheapest iPhone 13 prices
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 $26/mo.
|Apple iPhone 13 mini AT&T||$26/mo||$30/mo||$39/mo|
|Apple iPhone 13 mini Unlocked||$26/mo||$30/mo||$39/mo|
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 $30/mo.
|Apple iPhone 13 AT&T||$30/mo||$35/mo||$43/mo|
|Apple iPhone 13 Verizon||$35/mo||-||-|
|Apple iPhone 13 T-Mobile||$35/mo||-||-|
|Apple iPhone 13 Unlocked||$30/mo||$35/mo||$43/mo|
Best cheap no contract Android phones
Cheap Samsung phones
Cheap One Plus phones
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 Ultra Mobile with T-Mobile network coverage and prices starting from $15/mo.
|OnePlus Nord N10 Unlocked||$15/mo|
Cheap Motorola phones
The Motorola Moto G Power has 64GB storage capacity. It includes a 6.4 inches screen and 16 MP camera. This new Moto G Power is available from US Mobile with Verizon & T-Mobile network coverage and prices starting from $14/mo.
|Motorola Moto G Power Unlocked||$14/mo||$14/mo|
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.
|Samsung Galaxy A13 (T-Mobile)||$7/mo||-||-|
|Samsung Galaxy A14 (T-Mobile)||$10/mo||-||-|
|Samsung Galaxy A03s (T-Mobile)||-||$11/mo||-|
|Samsung Galaxy A23 (T-Mobile)||$15/mo||-||-|
|Samsung Galaxy S21 (T-Mobile)||-||-||$15/mo|
|Samsung Galaxy A54 (T-Mobile)||-||-||$18/mo|
|Samsung Galaxy Note20 (T-Mobile)||-||-||$19/mo|
|Samsung Galaxy S22 (T-Mobile)||-||-||$19/mo|
|Apple iPhone SE 3 (2022) (T-Mobile)||$21/mo||-||-|
|Samsung Galaxy S22+ (T-Mobile)||-||-||$21/mo|
|Samsung Galaxy A53 (T-Mobile)||-||-||$25/mo|
|Samsung Galaxy S20 (T-Mobile)||-||-||$25/mo|
|Samsung Galaxy S23 (T-Mobile)||-||-||$34/mo|
|Apple iPhone 13 (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.
|Apple iPhone SE 3 (2022) (AT&T)||$18/mo||$20/mo||$24/mo|
|Apple iPhone 13 mini (AT&T)||-||$26/mo||$30/mo|
|Apple iPhone 12 mini (AT&T)||$26/mo||$28/mo||$32/mo|
|Apple iPhone 15 (AT&T)||-||$29/mo||$33/mo|
|Apple iPhone 12 (AT&T)||$30/mo||$32/mo||$37/mo|
|Apple iPhone 13 (AT&T)||-||$30/mo||$35/mo|
|Apple iPhone 15 Plus (AT&T)||-||$33/mo||-|
|Apple iPhone 12 Pro (AT&T)||-||$33/mo||$37/mo|
|Apple iPhone 14 (AT&T)||-||$35/mo||-|
|Apple iPhone 15 Pro (AT&T)||-||$37/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.
|Samsung Galaxy A14 (Verizon)||$10/mo||-||-||-|
|Samsung Galaxy A23 (Verizon)||$15/mo||-||-||-|
|Samsung Galaxy A54 (Verizon)||-||$18/mo||-||-|
|Apple iPhone SE 3 (2022) (Verizon)||$21/mo||-||-||-|
|Samsung Galaxy S22 (Verizon)||-||$34/mo||-||-|
|Apple iPhone 13 (Verizon)||-||$35/mo||-||-|
|Samsung Galaxy S23 (Verizon)||-||$39/mo||-||-|
|Apple iPhone SE 2 (2020) (Verizon)||$40/mo||-||-||-|
|Apple iPhone 14 (Verizon)||-||$40/mo||-||-|
|Samsung Galaxy A03s (Verizon)||-||-||$41/mo||-|
|Samsung Galaxy Z Flip4 (Verizon)||-||$44/mo||-||-|
|Apple iPhone 14 Pro (Verizon)||-||$48/mo||-||$53/mo|
|Samsung Galaxy S22+ (Verizon)||-||$48/mo||-||-|
|Samsung Galaxy S23+ (Verizon)||-||-||-||$48/mo|
|Apple iPhone 14 Pro Max (Verizon)||-||$53/mo||-||-|
|Samsung Galaxy S22 Ultra (Verizon)||-||$58/mo||-||-|
|Samsung Galaxy S23 Ultra (Verizon)||-||-||-||$58/mo|
|Apple iPhone 12 (Verizon)||$107/mo||-||-||-|
Best cheap refurbished phones
|Apple iPhone SE 2 (2020) Refurbished||$189||-||-||-||-||-|
|Apple iPhone 11 Refurbished||$379||-||-||-||-||-|
|Apple iPhone 12 mini Refurbished||-||$429||-||-||-||-|
|Apple iPhone 12 Refurbished||$469||-||-||-||-||-|
|Apple iPhone 13 Refurbished||-||$649||-||-||-||-|
|Apple iPhone 7 Refurbished||-||-||$86||-||-||-|
|Apple iPhone 8 Plus Refurbished||$239||-||-||-||-||-|
|Apple iPhone 7 Plus Refurbished||-||$290||-||$290||-||-|
|Apple iPhone XS Max Refurbished||$296||-||-||-||-||-|
|Apple iPhone X Refurbished||-||-||-||$300||-||-|
|Apple iPhone 11 Pro Max Refurbished||-||-||-||-||$560||-|
|Apple iPhone 14 Plus Refurbished||-||$688||-||$680||-||-|
|Apple iPhone 14 Pro Max Refurbished||-||$876||-||$974||-||$1,199|
Best cheap no contract phone plans
Verizon & T-Mobile 5G/4G Coverage
AT&T & T-Mobile 5G/4G Coverage
T-Mobile 5G/4G Coverage
T-Mobile 5G/4G Coverage
T-Mobile 5G/4G Coverage
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 $615 per year
|T-Mobile 4G & 5G||
T-Mobile 4G & 5G
*Don't waste money on unlimited data - Avg. data usage is only 3-5GB
Prepaid carrier benefits
Cheaper by up to 50%
Cell phone service on the same reliable high-speed network you're used to
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.
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.