Get the phone you want today. No need to pay it all at once.
You don’t need perfect credit. You don’t need to pay everything upfront. You just need to find the right option for your situation. At 305 Tech Solutions we work with multiple financing partners so you can find a plan that fits your real life, not a bank’s checklist.
Applying is easier than you think
1. Choose your option
Browse the financing options available and pick the one that best fits your situation. Not sure which one to choose? We'll help you figure it out.
2. Complete the application in minutes
Apply directly through each financing partner's link. The process is fast, fully online and won't affect your credit.
3. Get your approval
Most applications receive a response within minutes. No long waits, no complicated paperwork.
4. Visit us in store and take your device home
Once approved, stop by either of our Miami locations. We'll confirm your approval, you pick your phone and walk out with it the same day.
Our financing options
Affirm
Affirm offers comfortable payments, better terms and lower total cost. If you're building your credit history, this option can help you strengthen it. Applying is quick and won't affect your credit: it's just a soft check.
Klarna
Klarna is another great option for customers who qualify with credit. More manageable payments, no hard inquiry and no impact on your credit history. Don't want an inquiry? No problem: Klarna uses a soft check.
Progressive Leasing
Progressive Leasing is a lease-to-own option designed specifically for people whose credit history isn't the strongest. Approval doesn't depend on your credit and the approval rate is high. The cost is slightly higher, but it gets you the device you need today.
Acima
Acima works just like Progressive Leasing: lease-to-own, no credit history required, high approval rate. A solid alternative if Progressive doesn't approve you or if you want to compare both options before deciding.
Low Weekly Payments (LWP)
This is our most flexible option. No Social Security required. No credit history required. Approval is based on your income, personal references and basic information. You can use your Uber or DoorDash activity as proof of income. All you need is a valid ID, contact references and availability for a quick verification call.
Payvantage
For customers with direct deposit. If your paycheck comes through direct deposit, Payvantage may be a convenient option for you.
Which option is right for me?
The answer depends on your situation:
If you have good credit:
Affirm or Klarna. You’ll pay less overall and get better terms.
If your credit isn’t in the best shape:
Progressive Leasing or Acima. Easier approval, hassle-free process.
If you don’t have a Social Security number or credit history:
Low Weekly Payments. The option designed for people just starting out or who are self-employed.
If you receive direct deposit:
Payvantage may be a good additional option.
What you should know before applying
All applications use a soft check. That means applying won’t lower your credit score. You can explore your options with complete peace of mind before committing to anything. We don’t hide fees or bury information in fine print. Before you sign anything, we explain exactly how much you pay, how often you pay and what the total comes out to. No surprises.
Frequently asked questions
Does applying affect my credit?
No. All options use a soft check. It’s not a hard inquiry and it won’t lower your credit score.
Do I need a Social Security number to apply?
Not always. Low Weekly Payments does not require a Social Security number or credit history.
Can I leave the store with the phone today?
In most cases, yes. Once your application is approved, you can take your device home the same day.
Can I pay off early?
It depends on the financing partner. In some cases yes. We’ll explain the terms for each option when you visit us in store.
What if I don't get approved with one option?
We have multiple alternatives. If one doesn’t work, we’ll find the one that fits your situation best.
