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
    Madison TextNow Support

    Hi Cynthia! I am sorry to hear about your cracked phone :(
    Unfortunately we don't have any phone give aways at this time, but I recommend watching our social media channels (Twitter and Facebook) and your email inbox for any future give aways or promotions.