Lease-to-own is the simplest way to get a phone when you don't want to pay full price upfront or deal with carrier contracts. You make small weekly payments, and once you've paid it off, the phone is yours. No credit check, no surprises.
Here's exactly how it works at BuyCell Cleveland.
The process in 4 steps
Pick your phone
Browse our inventory of iPhones, Samsungs, and other devices. Every phone is inspected, tested, and unlocked.
Get approved (takes 5 minutes)
Show a valid ID and proof of income. No credit check. No SSN. We verify your info and you're good to go.
Put $50 down and take your phone
Pay your first $50, and the phone is in your hands — same day in-store or shipped to your door anywhere in the US.
Make weekly payments until it's yours
Pay $25-50/week depending on the phone. Most leases are paid off in 5-6 months. Pay early anytime with no penalty.
Lease-to-own vs. other options
People always ask how this compares to financing through a carrier or just buying outright. Here's the honest comparison:
| Lease-to-Own | Carrier Financing | Buy Outright | |
|---|---|---|---|
| Credit check? | No | Yes | No |
| Upfront cost | $50 | $0-500 | Full price |
| Contract | None | 24-36 months | None |
| Locked to carrier? | No — unlocked | Usually yes | Depends |
| Total cost | More than retail | About retail + interest | Retail price |
| Early payoff | Yes, no penalty | Yes, usually | N/A |
Let's be real about the cost
Lease-to-own will cost more than buying a phone outright. That's the trade-off for no credit check and small weekly payments. We're upfront about that — we don't hide fees or surprise you with charges.
For a lot of our customers, the math still works out. If you need a phone now for work, for your kids, or to stay connected, waiting 6 months to save up for full price isn't realistic. Lease-to-own bridges that gap.
What happens if you can't keep paying?
If something comes up and you can't make payments, talk to us. We're a local business — we work with people. If you need to return the phone, you can. You won't be sent to collections or have your credit dinged because we never checked it in the first place.
Who is lease-to-own best for?
- People who've been denied by carriers due to credit
- Anyone who needs a phone now but can't pay $500+ upfront
- People who want an unlocked phone they can use on any carrier
- Anyone rebuilding their financial situation and doesn't want another hard credit pull
See if lease-to-own works for you
No credit check. $50 down. Get approved in minutes.
Start Your ApplicationHave questions? Call us at (440) 306-3486 or stop by our store at 6571 Pearl Rd in Parma Heights. We're happy to walk you through it.