Got your eye on a Moto X or Moto G, but just don't have the scratch right this minute? Motorola still wants your business, so it's offering to finance phone purchases interest-free for up to 18 months, provided you're credit-worthy. Sorry, we cannot vouch for you.


If you're willing to spend $549 or more, you can get no interest for 18 months with nothing down. That's more than the full cost of the regular Moto X, so you'd have to buy the Developer Edition (or the Droid Maxx) to take advantage of this with a single device. Or maybe you plan to buy a gaggle of Moto Gs? If you're spending less, you can still get no interest on the bill for 6 or 12 months and nothing down (depending on credit).

Keep in mind that if you don't pay off the bill within the allotted time, you'll begin incurring interest charges. Financing programs like this are usually high-interest and this is no exception. If you get dinged by the interest payments, its 28.99% APR. Still, it's a good deal if you need a new device without paying upfront and don't want to go through the carriers.

[Motorola Financing, FAQs (PDF)]

Ryan Whitwam
Ryan is a tech/science writer, skeptic, lover of all things electronic, and Android fan. In his spare time he reads golden-age sci-fi and sleeps, but rarely at the same time. His wife tolerates him as few would.

He's the author of a sci-fi novel called The Crooked City, which is available on Amazon and Google Play.

  • Ryan Lounsbury

    I was wondering when manufacturers would side step the carriers to get their devices to consumers.

  • BoB1673

    i have a fairly high credit score 750 + and i bring home about 70,000 myself not including my wifes income ill give this a shot was debating this or the nexus 5

    • Brandon Miller

      Wow, that's a bit surprising.

    • Josh Legoza

      Fine print must say credit scores under a million need not apply.

    • Levi Wilcox

      When did you apply? I got an email saying it would be 7-10 days...

      • BoB1673

        soon as i seent his and i changed it normally responses like that mean sorry but ill see in 10 days

        • paxmos

          Say what?

  • Rob

    ONE. DAY. TOO. LATE. Nexus 5 shipped yesterday - 4 days early.

  • sweenish

    This is good on them. If this is the phone my wife decides to get, it will help mitigate some wallet shock. I'd much rather pay it off over six months or so anyway.

  • http://www.androidpolice.com/author/eric-ravenscraft/ Eric Ravenscraft

    One thing that's worth pointing out: this route obviously won't save you any money on your phone bill unless you're going with T-Mobile. While it's cool you can get it without going through the carrier (and might help with a mid-contract upgrade), you're still leaving money on the table if you're using a regular smartphone plan on Verizon, AT&T, or Sprint (as opposed to their respective prepaid plans which may or may not allow you to bring this phone, not sure).

    I like what Motorola is doing, but unfortunately as long as on-contract service continues to cost as much as service when you bring your own phone, this only goes so far.

    • Aaron Berlin

      Unless you're phone's busted and you're locked into a contract. This is a nice option for someone that's on contract and needs to replace their phone and is well outside of eligibility for their carrier subsidy.

      • http://www.androidpolice.com/author/eric-ravenscraft/ Eric Ravenscraft

        Agreed (and also something I explicitly said). I think this is a good option for a lot of people, since financing has always existed for other big ticket electronics purchases.

        Of course, the flip side to that is those purchases are also interest traps and can seriously screw up your credit if you don't make payments on time. I think ideally manufacturers and retailers would start being open about the cost of their devices and encourage people to only buy when they've saved up enough and can financially affoHAHAHAHAHAHAHA sorry, I couldn't finish that.

        • Cory_S

          Also worth pointing out is if you dont pay it off in full by the time the promo expires, these things usually charge you the interest rate from the day of purchase. I would suspect this works the same way, but the article says it is after the promo expires...so worth looking into.

    • http://www.toysdiva.com Toys Samurai

      Agree, but I have a Verizon grandfathered unlimited data plan, and this is perfect to me.

      • Jonathan Isenberg

        Me too. Moto X or my old Galaxy S3... hmmmm...

        Tough decision.

    • Chris

      I will never understand phone carriers and their contracts in america.

      • http://www.androidpolice.com/author/eric-ravenscraft/ Eric Ravenscraft

        I've written multiple, elaborate, detailed posts with included charts on the subject...and I still don't understand it either.

  • Guest

    28.9% interest rate, no thank you.

    • brnpttmn

      That's only if you don't pay it off in time. Even if you go over a couple months with a small portion left on the principle it would be minimal interest payment.

      • Jonathan Ly

        Um.....you know that it specifically says that the interest it charges at the end of the promotional period is the accumulated interest from the 6, 12, or 18 months?

        • Matthew Fry

          It's the chain they go get and beat you with till you realize nobody does this for free. That being said, calculate your payments and pay 1/17 of it for the first 17 months. Then they can spring on you the 15 cents of rounding error in the last month.

  • Matthew Fry

    Thanks Google! I mean Motorola. Now if you'd just build your cool features into a high end phone...

  • paxmos

    "apply now" link does not work!!..lol

    • Ivan Martinez

      I keep trying with no luck, it makes me sad :(

  • Bret Williams

    Approved for $750! Once I get my info in the mail I'm getting the Dev edition Moto X!

  • Zaatour36

    this is really nice for future phones such as the Moto G and new high-end ones.

    Not every consumer can afford to buy at full price

    Good move Moto :)