Phone Financing FAQ

What is device financing?

Phone financing is a way of paying for your phone in smaller monthly instalments, rather than all at once. Think of it as an instalment plan.

Is phone financing done in-house?

No, we use a third-party company called Affirm. They will provide you with instant feedback on whether you're approved for phone financing. 

How does it work?

When you purchase a phone from TextNow, during the checkout you'll have the option to finance your phone.


If you check the box next to I would like to finance my phone, you'll be brought to Affirm's website to to sign up and apply:


After you've gone through the Affirm procedure, they'll check to see if you qualify for phone financing, and then you'll be sent back to our checkout page to complete your order.

Can I use phone financing for my monthly TextNow plan as well?

No, phone financing is currently restricted to phones only.

Can I use Affirm to finance a device upgrade?

I'm afraid not. Currently, you can get financing for new customer device purchases only.

What happens if Affirm says I do not qualify for device financing?

You'll still have the option to purchase your phone and phone plan outright. You can also try using a different credit card with Affirm. Also, please note that Affirm financing is not available to residents of Iowa and West Virginia.

What happens if I can't make a monthly payment?

For all questions pertaining to phone financing loans made through Affirm, please can contact them here. They also have an comprehensive FAQ about their services and policies here

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  • Avatar
    Kelly Rose

    My debit card was denied when I have enough money on it why?.

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    Valeria TextNow Support

    Hey Kelly! I do apologize for the inconvenience, as it appears that this decline came from your bank. I would recommend to reach out to them to determine the reason for the block.

  • Avatar
    Lorraine Brazil

    My identy could not be verfyed ... How do I correct that?

  • Avatar
    Erin TextNow Support

    Hi Lorraine, Was this verification issue you were having with Affirm to place an order or within TextNow? I've taken a look at your account and don't see any concerns on our end, but if you were receiving this error message from Affirm you will need to contact their support team for assistance.

    Edited by Erin TextNow Support
  • Avatar
    Desirae Munguia

    I teied to buy a refurbished phone and gave me the option to finance it so i did check the box and everything it said to do and the order was completed it said i was only paying the first month. But when i called my credit card it said i got charged the whole fee for the phone! Now how do i get this fixed or get my money back? ?? I cannot afford the whole amount right now.

  • Avatar
    Valeria TextNow Support

    Hey Desirae, our financing is not currently available to existing customers, and since you already have an account with a SIM card with us, it would not have taken you through the financing checkout.

    Now, this does seem to be an isolated bug. I've cancelled and refunded your order. But in the meantime, I would also appreciate if you could contact me at, so I can walk through your checkout process to see where it may have shown you the wrong information.

    Thank you in advance!

  • Avatar
    Anna Copland

    I'm trying to order a phone but every time I click on phones it won't let me open the page, I got an email offering me $20 of but it won't let me order why is this?

  • Avatar
    Erin TextNow Support

    Hi Anna,

    We'll need to get more details to find out why it's not working for you. Please reach out to our chat support team so we can assist you with your order. We'll be available from 10am-5:30pm EST daily.

  • Avatar

    Hello, I was approved for a phone through Affirm and at check out, I tried two different credit cards and both say they were declined. But, when I called Discover they said Textnow made 8 one dollar transactions and two of them were returned back. Why isn't textnow charging the whole 19.99 so I can get my phone? Thanks

  • Avatar
    Valeria TextNow Support

    Hey there! I actually don't see these charges, only 5 failed attempts at charging you the full $19.99.

    Would you mind sending us a screenshot of your banking statement that shows these other charges to ?

  • Avatar
    Eddie Dean

    My device was exposed to a backdoor exploit or another individual has attempted to maintain access to my current device. I also believe my sim was copied and my privacy entirely violated. I simply want another device just as the one I have the HTC bolt, which came in an HTC box with headphones, adapter for other headphones, sim tool, charger, and charger block. This phone was new and I simply request like for like and then I will continue to pay for my monthly service.

  • Avatar
    Valeria TextNow Support

    Hey Eddie! I'm afraid that we can't process a warranty for a phone unless it's a manufacturer defect.

    As this is not the case, the most that you can do is either look into ordering a replacement SIM card (for $5) and resetting your phone, or ordering another phone at the sales price online.

  • Avatar
    Mallory jordan

    I keep trying to purchase a phone snd it tells me i already did?

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    Madison TextNow Support

    Hi Mallory, for this you will have to reach out to our Live Chat (between 10am-5:30pm EST). They will be able to look into this for you.

  • Avatar
    Lynette Copeland

    I read that when i went to purchase a phone that i would be asked if i needed financing through Afirm. But i wasnt offered financing. Why wasnt i able to get financed?

  • Avatar
    Valeria TextNow Support

    Hey Lynette! Our financing is not available for all phones, only for those over $100.