Find The Perfect iPhone For You No Matter Your Budget!

With nearly a dozen options to pick from, and each one being unique in its own way, getting the right iPhone has never been so confusing! It’s like being a kid in a candy store with too much pocket money and too little self-control. You have the high-end Pros, with their flashy triple camera system and massive batteries, and then you have the Mini’s and the SE’s which pack in a great deal of value.

But which iPhone is right for you? Don’t fret, we’ve got all the answers you need!

Best Overall: iPhone 14

The iPhone 14, the newest kid on the Apple phone block, is the best ‘no-nonsense’ phone you can get right now. It’s pretty similar to the older model but has a few important improvements. The best part is the better camera system. It has some cool new software like the Photonic Engine that takes great pictures in dim light and keeps videos super steady. There are also safety features like Crash Detection and Emergency SOS to keep you safe.

It’s a pretty phone with a sleek aluminum body and a bright and sharp Super Retina XDR screen. It’s also really fast, thanks to the A15 Bionic processor, and the battery lasts really long – up to 20 hours of watching videos. But, it doesn’t have the newer A16 Bionic chip used in the fancier Pro models. That’s a small letdown, especially if you’re after the most up-to-date tech. If you want to save some money, the iPhone 13 is also a good choice. It has almost all of the same features without any significant downsides.

Best Compact: iPhone 13 Mini

The iPhone 13 Mini is a cool little upgrade from the older small phone, the iPhone 12 Mini. It has a battery that lasts all day long, which is a big step up since the iPhone 12 Mini had battery problems. These battery problems are fixed thanks to a new, super-efficient chip. The look of the phone is pretty much like the iPhone 12 Mini, but with a couple of small changes. It has a tinier notch at the top of the screen and the camera lenses are placed diagonally.

The phone’s 5.4-inch screen is bright, colorful, and clear. But, it doesn’t have a 120Hz refresh rate, which could have made the screen even smoother. It also doesn’t have the ProMotion display found in the bigger iPhone 13 models. But if you’re looking for a phone that fits right in your hand, is super easy to use, and kinda cute, then you probably won’t mind these misses.

The camera on this phone is even better than before. It has bigger sensors and a new chip, so it takes really good pictures in all kinds of light. Plus, it has a new feature called Photographic Styles that lets you change the white balance and color tones in your photos.

Best Premium Pick: iPhone 14 Pro Max

When it comes to iPhones, the annual upgrade feels as if someone sprinkled a little magic on the same old town, added a few parks, maybe a new café, and poof, you’ve got a brand-new place to explore! The iPhone 14 Pro Max feels just like that – the same, yet different in interesting and appealing ways. It’s not the phone’s “greatness” that makes you look twice; it’s the understated brilliance of what Apple has been doing for years – small upgrades that amass into a solid, all-around experience.

Sure, the price tag might scare you more than your old childhood boogeyman, but hey, quality comes at a cost, right? Don’t let your wallet get in the way of owning the iPhone 14 Pro Max. With a ‘Buy Now, Pay Later’ (BNPL) option available from multiple companies these days, you can spread your payments over convenient installments.

Best Battery-life: iPhone 14 Plus

What if you are someone who wants the biggest battery of all? A phone which doesn’t drain due to the always-on display while also having a big screen and fast performance… that’s the iPhone 14 plus for you! The iPhone 14 Plus, an upgrade to its predecessor, stands out with its immersive 6.7-inch display and outstanding battery life, packed in an impressively lightweight design.

Despite the absence of premium Pro features, its performance powered by the A15 Bionic chip, coupled with an excellent camera setup and sleek design, offers users a compelling experience. While it leaves room for improvements such as faster charging and an enhanced refresh rate, it justifies its $899 starting price by delivering a great user experience.

Best Budget: iPhone SE (3rd Generation)

The 2023 iPhone SE 3rd Gen continues the SE series’ tradition of offering Apple’s essential features at a more affordable price. Now including 5G capabilities, the SE 3 offers lightning-fast performance thanks to its A15 Bionic chip, originally seen in the iPhone 13. 

The compact design is both nostalgic and refreshing in an age of ever-growing phones, and the phone’s build quality is unmatched in its price range. However, its 4.7-inch LCD screen feels dated, especially when compared to other smartphones in the same price bracket that offer larger, sharper AMOLED displays. The single 12MP rear camera may be basic, but its performance is still impressive. The iPhone SE 3rd Gen is best suited for users seeking the essential iPhone experience without the high-end price tag.

How BNPL Services Can Help

Think of of Buy Now Pay Later (BNPL) services as a personal helper, unlocking doors to opportunities that may seem unavailable. These services are kind of like personal financial assistants, allowing the financially mindful to buy something they may want but didn’t think they could, like the latest iPhone, an opportunity that may typically seem elusive.

By offering a range of payment options over time frames, BNPL services empower you to live within a budget responsibly, yet still have access to products and services never thought achievable. Imagine the luxury of a manageable payment schedules while relishing the liberty to have that sought-after iPhone, free from the burden of an immediate full payment.

These services also offer a variety of plans tailored to your financial position, allowing a well-informed consumer choice. Is BNPL the right route for your iPhone purchase? Which service should you navigate towards? Our research, and these services are like your compass, guiding you to the path that aligns with your needs. BNPL services are not just a financial tool, but a key to a world of simplified, personalized, and stress-free purchasing.

Our Choices For Planning Your Purchase With BNPL

LutherSales

LutherSales is a well established Buy Now Pay Later service company known for its, ease of use, and the flexibility of their payment plans. With over 50 years of helping consumers, budget-friendly service, and a large catalog, LutherSales has much to offer those looking for a quality BNPL financing service. Of the many companies to utilize, due to their friendly credit terms and a helpful staff, we stand impressed by their products and service, and how easy it is to be accepted regardless of your credit history. They are our top pick to finance your iPhone with their excellent BNPL reputation and long history of aiding immeasurable clients.

Pros

Flexible credit plans with extended pay off times
A review of your credit history is not required
A very fast and simple application process
In-house customer service
A wide array of the best brands and quality products

Cons

They require proof of employment of at least a year
Occasional out of stock issues

MDG Finance

MDG Finance has established itself as another quality service provider, offering credit alternatives for its clients for over 30 years. MDG offers customers spending limits up to $3,000, merchandise from many favorite brands, and the ability to defer payment through their manageable plans. No credit history is needed for consumers to be accepted, and they offer low minimum payments and flexible payment terms, though they can be strict if you aren’t careful about timely payments. They are a reasonable service for those who are careful about paying on time.

Pros

Flexible payment plans
A credit limit up to $3,000
Low payment installments to fit practically any budget
On time payments are reported to credit bureaus can improve your credit score

Cons

Some high product interest rates for recurring missed payments

Afterpay

Afterpay is a viable alternative as well, offering many plans that make it an excellent selection for individuals seeking a BNPL solution. Afterpay has access to a wide array of products, though with more stringent credit options than most other companies. But it does makes purchasing products easy without being a strain on a person’s finances.

With the absence of interest charges or fees, unless a payment is missed, of course, it is a decent option for buying any product they cover. As a trustworthy choice with a history of assisting consumers, Afterpay remains a suitable contender for those seeking a buy now, pay later option.

Pros

Does not charge interest
No requests for a credit history report
Instant approval

Cons

Interest as high as 25% is charged in case of late payment
No flexibility in terms of picking repayment days
Many major sellers do not partner with them, limiting options

FlexShopper

Flexshopper is a bit different as a lease-to-own alternative, unlike most BNPL services, permitting its customers the ability to basically rent items through payment arrangements spanning 12 months or less. The shorter-term option may be off-putting to some, but for others, paying more quickly may actually be a better option. The service offers an extensive array of products, and the application process is swift and uncomplicated. Nonetheless, their low credit limits, and the weekly payment obligation in order to avoid extra charges may be concerning for some people and their terms can be more stringent than others.

Pros

Affordable weekly payments, as low as $4
Credit limit of up to $2,500, lower than many others

Cons

Exclusive use limited to FlexShopper website
The longer you draw out your payments, the more you will end up paying

Our Takeaway

Whether you opt for the all-around iPhone 14, compact iPhone 13 Mini, premium iPhone 14 Pro Max, battery champ iPhone 14 Plus, or budget-friendly iPhone SE 3rd Gen, remember that getting the perfect phone for you shouldn’t break your bank. 

On top of this, if that chunky price tag is keeping you from buying the smartphone you want, you can pick a ‘Buy Now, Pay Later’ service available online and pay in convenient installments. Don’t let cost deter you from enjoying the latest technology!

BNPL Central is advertiser-supported: we may earn compensation from the products and offers mentioned in this article. However, any expressed opinions are our own and are not influenced by any compensation offered or taken. Read our full disclosure here.