Apple iPhone 15

Hay Device Financing is available with new activations (or eligible upgrades) on eligible 2-year rate plans. Purchase financing provided by Hay Communications, on approved credit. Cost of borrowing is $0 during the Finance term. If you end your Hay Device Financing Agreement early or change your rate plan to a non-eligible rate plan, your remaining device balance will become due immediately and you may be subject to an early cancellation fee for your service agreement. Any promotional credits will no longer be valid. The pro-rated amount of the Financing Credit will become due immediately. Eligibility for Hay Financing: requires select 2 yr plans starting at $70.00/mo. 

From time-to-time, we may offer promotional Finance Credits in connection to your Hay Device Financing Agreement which reduces your device payments. If you are receiving a promotional credit or SAVINGS in connection to your Hay Device Financing Agreement and you end your Agreement early, the credit will no longer apply and your remaining device payments, including pro-rated Finance Credits amounts, will become due immediately.

Lower your monthly device payments with the Device Return (Deferred Payment) Option

What is Device Return (Deferred Payment) Option?

Eligible with Hay Device Financing and a 2-year plan. You can lower your monthly payments by returning your device in good working condition at the end of a 2-year term. Or, you can keep it and pay back the Deferred Payment Amount.

Available with compatible devices within Bell Mobility’s network coverage areas. 5G/5G+ access requires a compatible device and a compatible rate plan (even if a 5G/5G+ symbol appears on your device). Coverage is approximate, may vary and may not include indoor coverage; see bell.ca/5G. Speed, performance and whether a 5G/5G+ device uses the available 5G/5G+ network depend on various factors including: your rate plan, topography, environmental conditions, the current serving radio conditions at your location and whether the device is actively downloading or uploading data. Access is subject to Bell’s management of network resources, using methods which include Internet traffic management practices. See bell.ca/ITMP. Starting in select areas of Vancouver, Calgary, Edmonton, Montréal and the Greater Toronto Area.

1. Can I buy any smartphone on Hay Device Financing? Yes, subject to Hay's credit approval process, financing is available with all our smartphones. Visit a retail location for more information.
2. Do I pay taxes at the time of purchase? No. Taxes on the financed device amount are payable with your monthly device payments.
3. What happens once the Hay Device Financing payment period ends? After 24 months, your Financed Device Installment Agreement will be paid off; therefore, you will no longer have monthly payments for your smartphone. As of month 25, you will only be charged the cost of your monthly rate plan.
4. What happens if I want to cancel my Hay Financed Device agreement before the 24 months are done?You will be required to pay your remaining device balance immediately plus applicable tax and any outstanding service charges that you have incurred. In addition, you may be subject to an early cancellation fee for your service agreement.
5. Can I combine the Advanced Payment with Buyback option with Hay Financing? Yes.
6. How does the Advanced Payment with Buyback Option work with Hay Financing?
   • Step 1: Pick one of our eligible smartphones.
   • Step 2: Activate on an eligible 2-year plan with Hay Financing.
   • Step 3: Return your smartphone in good working condition at the end of your 2-year term, or keep it and pay back the Advanced Payment Amount you saved.
7. Is Hay Financing available on all rate plan types? You will be able to pair your Financed smartphone with the majority of our Unlimited Data and Share plans. Some plans may be excluded.
8. What happens if I end my rate plan early or I change my rate plan to a non-eligible rate plan? If you end your rate plan early or change your rate plan to a non-eligible rate plan, you will have to pay an early cancellation fee for ending your services and your remaining device payments from your Hay Device Finance agreement will become due immediately.
9. Can I upgrade to a new smartphone using Hay Financing? Yes. After one month of your agreement, if you are eligible for a device upgrade, you can activate any new smartphone with Hay Device Financing.
10. Can I activate a smartphone with Hay Device Financing even though another user on my account already has a phone on a subsidized plan? Yes. Any additional users to the account can activate a smartphone with Hay Device Financing on eligible 2 year rate plans.
11. Am I able to pay my device in full with a one-time payment? Yes, at any time you may pay your device in full with a one-time payment, ending your device financing arrangement.