A credit check at the counter
Phone installments start with a postpaid line and a look at your credit file. If the file is short, so is the conversation.
For newcomers, students and first-timers
No credit history? Get the new iPhone anyway.
allu is an iPhone subscription for people the credit system skips. New to the country, here to study, or just starting out: pay monthly, with protection included.
Choose your iPhone
From $62.90/mo
- No U.S. credit history needed to apply
- Unlocked, any carrier
- Upgrade every 12 months
60,000+customers have subscribed with allu in Brazil
As featured in
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No credit score, no iPhone. Until now.
An SSN and a credit review
Apple's upgrade lease runs through Klarna and asks for an SSN or ITIN, a credit review and a postpaid carrier line.
$1,199 on day one
That's the starting price of an iPhone 18 Pro. A lot to put down when you're still getting settled.
Pick your iPhone.
One monthly price. Brand new, unlocked, protection included.
What's included
One price.
One price.
Everything in it.
The monthly price covers the iPhone, its protection and delivery. Nothing gets added at checkout.
Unlocked from day one
Use it with any carrier and switch whenever you want. Your iPhone is never tied to a phone plan.
Protection built in
Coverage for theft and accidental damage is part of the monthly price, not an add-on at checkout.
A new iPhone every year
After 12 months, swap for the latest model or send it back. No resale, no trade-in math.
Free delivery
Brand new and sealed, shipped to your door at no extra cost.
Made for people the credit system skips.
New to the U.S.
You just arrived and your credit file is blank. That shouldn't decide which phone you carry.
International students
Here for a program, not for a 36-month contract. Subscribe for the time you need.
Thin credit file
First job, first apartment, first everything. We look at more than a score.
Declined elsewhere
A carrier or a pay-later app said no? Apply here. We make our own decision.
Same iPhone. An easier yes.
| allu | Apple upgrade lease | Carrier installments | |
|---|---|---|---|
| U.S. credit history | Not needed to apply | Credit review by Klarna | Credit check |
| Carrier plan | Not required | AT&T, T-Mobile or Verizon required | Postpaid plan required |
| Protection | Included | Not included | Extra monthly fee |
| Phone | Unlocked | Unlocked | Often locked until paid off |
| Commitment | 12 months | 12 or 24 months | 24 to 36 months |
| New model | Every 12 months | At end of lease | After paying it off or trading in |
Based on publicly listed program terms as of November 2026. Terms vary by carrier and plan.
Four steps. No store visit.
- 01
Choose your iPhone
Pick the model and see your monthly price up front.
- 02
Quick application
Tell us who you are. We look at more than a credit score.
- 03
Delivered free
Your iPhone arrives new, sealed and unlocked. Use any SIM.
- 04
Upgrade or return
After 12 months, move to the newest iPhone or send it back.
FAQ
Questions, answered.
I don't have a U.S. credit history. Can I apply?
Yes. That's who allu is built for. We review each application individually and look at more than a credit score. Approval isn't guaranteed, and applying costs nothing.
I was declined by a carrier or a pay-later app. Should I still apply?
Yes. We make our own decision, so a no somewhere else doesn't mean a no here.
Is this a purchase or a rental?
It's a subscription. You pay monthly to use a brand-new iPhone. After 12 months you can upgrade to a newer model or return it.
Do I need a phone plan from a specific carrier?
No. Every iPhone ships unlocked, so it works with any carrier and you can switch at any time.
What does the protection cover?
Theft and accidental damage. Full coverage terms are shared before you confirm your subscription.
Who is allu?
allu is a device subscription company from Brazil, where more than 60,000 customers have subscribed to iPhones, MacBooks and consoles. We're now opening in the United States.
When will I get my iPhone?
We're opening the U.S. in waves. Reserve now and we'll contact you with next steps as soon as your area is available. You pay nothing until then.