Finance Options

Get the phone you want, without the upfront cost

We believe staying connected shouldn’t break the bank, especially when it comes to your phone. That’s why we’ve partnered with Klarna, a trusted financing leader, to bring you flexible, manageable payment options on new, certified pre-owned, or open-box devices.

Instead of paying hundreds of dollars all at once, you can split the cost into simple monthly payments, making the upgrade you want easier than ever.

Shop for a device Log in to MyAccount

Financing powered by:

Claims Process

Simple Steps to Get Your Phone Covered

Select your new device, or find your next device on our Shop page

Choose Klarna

When you checkout choose Klarna as the payment option to apply for easy financing

Pay the administrative fee

A fee is due during the request process and is refundable if the claim isn’t approved.

Why members love this financing option

Choosing device financing through Patriot Mobile offers benefits that smart shoppers value:

Affordable monthly payments instead of large upfront costs.
Fast, often instant approval — apply while you check out.
Soft credit check (typically) that won’t impact your credit score.
Financing available for eligible phones and accessories.

All of this makes joining the Patriot Mobile family or upgrading your device more accessible and budget-friendly.

Ready to Upgrade Today?

Getting the phone you want has never been more affordable. Choose financing at checkout and enjoy the latest device with Patriot Mobile service, on terms that work for your budget.

Let’s get you connected with the right device and payment plan, because your life shouldn’t wait for better technology.

Shop for a device

Frequently Asked Questions

What financing options does Patriot Mobile offer for devices?

Patriot Mobile members can choose device financing through Klarna when purchasing a new, certified pre-owned, or open-box device in MyAccount or in the webcart. With Klarna, you can split your purchase into easy monthly payments right at checkout.

Do you offer financing during checkout on the public site?

Financing options are currently available inside Patriot Mobile’s MyAccount portal or on the webcart at the time you select a device. Klarna is the primary payment plan partner for this purpose. You can also use Klarna to pay for your new phone if you choose to call into our call center.

Will financing affect my credit score?

Klarna typically conducts a soft credit check for buy now, pay later (BNPL) financing, which does not affect your credit score. If you choose a non-BNPL financing option, a credit check may apply. Terms and eligibility vary by individual.

Can I finance accessories too?

Eligible devices and accessories may be financed through Klarna at checkout in MyAccount or in the webcart, depending on the item and available payment plan options.

Where do I manage my financing payments?

Once approved, you’ll manage and make your monthly payments through Klarna’s app or website. Support for payment questions is available directly from Klarna.

What if I want a phone but don’t want financing?

You can always choose to purchase a device outright or bring your own compatible phone and activate it with Patriot Mobile service.

Is there a credit check to sign up for Patriot Mobile service?

No. Patriot Mobile service plans do not require credit checks. Financing through Klarna is a separate option only when purchasing a device.