Frequently Asked questions
New Wave Wireless is a leading provider of income-based financing for the latest phones. We offer easy approvals with no credit checks required, making it simple for you to get the phone you want.
Our financing process is simple and straightforward. Fill out our online application, verify your identity, provide proof of employment with direct deposit, and get instant approval. We’re here to help you every step of the way. Payments are made through our PayVantage system.
No, we will never check your credit with our PayVantage financing. As long as you have a job with direct deposit, you’re then you’re approved. Our process is designed to be accessible to everyone, even if you have a low credit score or no credit history.
PayVantage is our primary financing partner that offers true no credit check approvals with 90 days same-as-cash terms. It allows you to get the phone you want with low down payments and payment plans that fit your budget.
To get approved, all you need is a job with direct deposit and a bank account that can be linked through the secure Plaid system for verification. There’s no need for a credit check, making it easy for everyone to qualify. You’ll need to show 30 days of consecutive direct deposit (weekly or bi-weekly). It’s a simple, fast, and easy verification that happens automatically and we’re here to help you each step of the way.
Yes! We offer multiple upgrade paths that allow you to upgrade to a newer device after just four months with no down payment. You can also choose to fully pay off your phone after three months and receive a $100 credit towards your next upgrade.
We understand things change. As long as you are up to date on your payments, you can cancel any time with no penalties. Simply let us know you’d like to cancel, send the phone back, and all payments will stop immediately. There are no penalties or fees for canceling, making it a worry-free process.
Yes, all phones come with a 14-day warranty that covers any hardware or software issue. If there are any issues within the first two weeks, you can return the phone for a replacement or a refund. We also offer additional insurance options for extended protection. It does not cover any damage done to the phone – you would need to purchase optional insurance for damage coverage.
Yes, all of our phones are unlocked, giving you the freedom to choose any carrier that suits your needs. Whether you prefer prepaid plans or a specific network, your phone will be compatible.
You can contact our customer support team through our website’s contact form, by visiting one of our store locations, or by calling us directly. We’re here to assist you with any questions or concerns you may have.
By making regular payments on your financing plan, you can improve your credit score over time. Our financing options are designed to help you build credit while enjoying the latest phones.
All of our phones are unlocked for any carrier, so you can keep your same service and phone number.
Our main financing company, Payvantage, is a true no credit check. We only use the amount of your income to decide which phone we can get you for a low down payment.
If you bank with CashApp, we can still verify you and get you approved but it does require extra steps. We recommend reaching out to our customer service team for help with this. By sending in screenshots of your pay stubs, we can get you manually approved.
This is required for identity verification and is standard for any financing. While we do not perform a credit check, we do have to verify that you are who you say you are.
Because we have no credit checks, this is done so that they can verify that you do receive direct deposit, and to determine your approval amount based on the amount of your income in the last 30 days. The Plaid service that connects to your account is the global leader in banking income verification and is secure and trusted by the largest financial institutions in the world.
Yes we can still get you approved, with Payvantage they typically require a minimum of $1000 per month to meet the minimum approval amount, though.
Yes we carry all of the latest iPhones including every Pro Max and Plus model from the iPhone 15 to the iPhone 11.
No penalty at all, we advise paying your phone off a soon as possible to avoid any interest on the device.
Yes, all of our phones are unlocked to any carrier.
Our financing partner PayVantage offers 90 days same as cash, or 90 days interest free to pay off your device. That means as long as you pay off the total amount you finance in the 90 days there will be no interest and there are no buy out fees.
Payvantage does payday payments, so each payment will typically be weekly or bi weekly on the days that you get paid.
You are free to use your new unlocked phone with any carrier, but we do offer an optional pre-paid plan for those interested. We offer Verizon prepaid in store and we offer the first month free for any customer who gets a phone with us. No contracts or hidden fees with prepaid and its unlimited everything for $50 a month ($45 if you enroll in autopay).
Our approval amounts are basically an in store spending limit/buying power, it tells us which phones we can get you for a low down payment.
Yes you can, you would still have to make the down payment to PayVantage to use your approval amount, but you can always put down more money to make up for the difference between the price and approval amount (very common).
Yes we do, depending on the model of the phone, the condition, and if it’s locked or unlocked to a carrier.
Trade-ins basically are a substitute for extra money down, if want a phone that’s $200 more than your approval amount, you can trade in a phone worth $200 to get the phone you want for that low down payment.
Yes you can, but the total of the two phones would have to add up to your approval amount, or you can put some more money down, or apply with our other company Acima to try to get a 2nd approval.
Of course, our outright prices are the same as our total prices for our financing, but with the financing you get 90 days to pay it off, with no interest or buy out fees.
Of course, as long as your payment history is good you’re able to get a second phone with us and if you come back within the first 30 days of paying your device off Payvantage will add $100 onto your approval amount, or you can always reapply/ re-link your bank if you have more income than the first time around.
In this case your payment plan would be extended to 12 months. You would end up paying about double the amount that you originally financed with Payvantage. You will continue making your payments for 9 more months which would equal a total of 12 months of payments.
You can send the phone back to Payvantage at any time and the payments will stop and the contract will be voided, there also is NO penalty for sending the phone back. Payvantage will send you a prepaid shipping label and once they receive the device they will void your account.
We can upgrade you within the first 90 days of having the phone as long as you pay off the phone in full by then, Payvantage will add $100 onto your approval amount to upgrade, and if you want to trade that phone in we can upgrade you even more.
Yes we do, we use a company called AKKO for our insurance, they have different plans that give you more coverage. $5 per month covers any screen repairs, $8 per month covers screen repairs, parts and battery failure, and liquid/physical damage. $11 a month covers all of that plus loss and theft protection (i will send a picture of all of the plans).
Yes, we offer a 14 day warranty that covers any hardware or software issue, but does not cover any damage to the phone
Didn’t find the answer you were looking for? We’re here to help! Reach out to us and our friendly team will assist you with any additional questions or concerns.
