How-to
The Cheapest Phones on Financing in Canada, Ranked
Pixel 10 at $0 a month, Galaxy S26 at $10, the cheapest iPhone at $37. Every financed phone ranked, plus what $0 down really means.
The cheapest phone on financing in Canada right now is the Google Pixel 10, at $0 down and $0 a month for the phone with an eligible postpaid plan. Next are the Samsung Galaxy S26 and Galaxy S25 at $10 a month, then the Pixel 11 at $14.17 and the Galaxy S25 FE at $14.54. The cheapest iPhone is the iPhone 17 Pro at $37 a month. All are 0% over 24 months on approved credit.
The short answer
- Cheapest overall: Pixel 10, $0/mo.
- Cheapest new flagship: Galaxy S26, $10/mo for 256GB.
- Cheapest Ultra or Pro: Pixel 11 Pro at $17.46/mo, then the Galaxy S26 Ultra at $30/mo.
- Cheapest iPhone: iPhone 17 Pro, $37/mo. Not the 17e.
Every phone ranked by monthly price
Lowest storage for each model, 0% over 24 months, $0 down, before tax. The last column is the total with our lowest plan for financed phones, 5G+ Core at $90 a month with auto-pay.
| # | Phone | Storage | Phone per month | With 5G+ Core |
|---|---|---|---|---|
| 1 | Pixel 10 | 128GB | $0/mo | $90/mo |
| 2 | Galaxy S25 | 128GB | $10/mo | $100/mo |
| 3 | Galaxy S26 | 256GB | $10/mo | $100/mo |
| 4 | Pixel 11 | 256GB | $14.17/mo | $104.17/mo |
| 5 | Galaxy S25 FE | 128GB | $14.54/mo | $104.54/mo |
| 6 | Pixel 11 Pro | 256GB | $17.46/mo | $107.46/mo |
| 7 | Pixel 11 Pro XL | 256GB | $20.79/mo | $110.79/mo |
| 8 | Galaxy S26+ | 256GB | $25/mo | $115/mo |
| 9 | Galaxy S26 Ultra | 256GB | $30/mo | $120/mo |
| 10 | iPhone 17 Pro | 256GB | $37/mo | $127/mo |
| 11 | iPhone 17 | 256GB | $38.96/mo | $128.96/mo |
| 12 | iPhone 17 Pro Max | 256GB | $41/mo | $131/mo |
| 13 | iPhone 17e | 256GB | $42.79/mo | $132.79/mo |
| 14 | iPhone 18 Pro | 256GB | $43.71/mo | $133.71/mo |
| 15 | Pixel 10 Pro | 128GB | $44.88/mo | $134.88/mo |
| 16 | iPhone 18 Pro Max | 256GB | $47.46/mo | $137.46/mo |
| 17 | iPhone Air | 256GB | $48/mo | $138/mo |
Read this first: these monthly prices use the device return option. At the end of the 24 months you either return the phone in good working condition, or pay the remaining balance and keep it. If you want to own the phone outright, ask for the keep price on your call.
"Free phone" and "$0 down" deals: what you really pay
$0 down
Means no payment on the phone at the start. You still pay the taxes upfront.
$0 a month
The phone payment is $0, but you are on a postpaid plan for the term. The plan is the cost.
The return option
The lowest monthly prices assume you hand the phone back at the end. To keep it, you pay the remaining balance.
Leaving early
Cancel before 24 months and the rest of the phone balance is due. That is the most a carrier can charge to leave, under the Wireless Code.
Cheapest by brand
| Brand | Cheapest phone | Per month | Full price list |
|---|---|---|---|
| Pixel 10 128GB | $0/mo | Pixel per month | |
| Samsung | Galaxy S26 256GB | $10/mo | Galaxy per month |
| Apple | iPhone 17 Pro 256GB | $37/mo | iPhone per month |
The cheapest phone overall is not always financed
If you do not need 100 GB or unlimited data, a refurbished phone on a smaller plan can beat any financing deal over two years. A refurbished Galaxy S24 is from $499.99 and an iPhone 15 from $569.99. Put either on our 20 GB bring-your-own-phone plan at $45 a month, or our prepaid plans from $22 per 30 days, with no credit check. Full numbers: finance or buy refurbished.
Samsung Galaxy S24
À partir de $499.99New: $859.00Acheter d'occasion →
iPhone 15
À partir de $569.99New: $1,099.00Acheter d'occasion →
Google Pixel 9
À partir de $559.99Acheter d'occasion →
Questions people ask
What is the cheapest phone on financing in Canada?
On our financing today, the Pixel 10 at $0 a month for the phone, then the Galaxy S26 and Galaxy S25 at $10. Prices checked October 23, 2026.
Can I get a free phone with a plan in Canada?
A $0 a month phone like the Pixel 10 is close, but you pay taxes upfront and the postpaid plan for the term, and the price uses the return option.
What is the cheapest iPhone on financing?
The iPhone 17 Pro 256GB at $37 a month, just under the iPhone 17 at $38.96. See every iPhone per month.
Which phones are $0 down?
Every phone we offer on financing is $0 down. You pay the taxes upfront.
Do cheap financing deals need good credit?
Yes, every financing deal is on approved credit. No credit history? A refurbished phone with a prepaid plan needs no credit check.
How often do these prices change?
Carrier promotions move every few weeks. We check our prices with the carrier and show the date on every phone page.
Prices: our phones on 0% financing and postpaid plans pages, last checked with the carrier October 23, 2026. 0% over 24 months on approved credit, $0 down, taxes due upfront, before tax. Monthly phone prices use the device return option. Rules: the CRTC Wireless Code.
See all phones on 0% financing, or read how 0% financing works.
Évitez le prix du neuf
Procurez-vous le Samsung Galaxy S24 d'occasion à partir de $499.99, testé par de vrais techniciens, avec une garantie de 90 jours à 1 an selon l'état et des retours sous 14 jours.
