Ebay (youbuyrite, 78,000 feedback) has an iPhone SE Unlocked 64GB Refurbished Smartphone Sale, $284.88 Free Shipping. Tax only in NY. 2% back in eBay bucks. Perfect for AT&T, T-Mobile, Verizon, Sprint or StraightTalk. Space Gray, Gold, Silver, Rose Gold. $499+tax at amazon. 30 day returns.

Save up to $250 over the Apple store when you factor in Sales tax.

Important Information:

Perfect for T-Mobile, StraightTalk or AT&T Wireless. Add a line or replace and older phone.

Straight Talk, a prepaid carrier that is owned by Tracfone and Walmart, sells micro SIM cards for the that cost $14.99 + Free Shipping.  You can pop these into any AT&T-compatible, T-Mobile-compatible, or unlocked GSM phone.

• $45 a month buys you unlimited talk, text and 5GB high speed data with no contract or credit check

Consider purchasing an unlocked cell phone if you are on AT&T or T-Mobile and want a new Smartphone without a contract. Unlocked Smartphones allow you to subscribe to low cost carriers mentioned below and function internationally, so you can use the same phone abroad.

Learn: No-Contract Plans, Unlocked Smartphones

Choosing the right plan for you is time consuming and can also be a hassle. We've done the research and you may save over $1,000 each year! Be sure to check out our no-contract Smartphone plan article: How to Find the Best No Contract Smartphone Plans where we compare all of the major network carriers. Check out our How to Buy an Unlocked iPhone article to learn what it means to have an "Unlocked" Smartphone.

About Apple iPhone SE:

Essentially an iPhone 6S in a smaller iPhone 5 package. The Apple iPhone SE comes with a new faster Apple A9 processor (ironically made by Samsung) and runs the latest iOS 10. It has a 4" Retina display with a fingerprint-resistant oleophobic coating. Cnet calls the redesign "sharp, slim, and feather-light." It does lack 3D Touch.

Apple iOS 10 includes Airdrop, Siri, Family Sharing, QuickType Keyboard and more.

However the iPhone SE's new improved Lightning connector makes older docks and chargers obsolete. On the plus side, the new connector is a bit smaller, a little more rugged and easier to use than the previous one.

Reviews:
CNet gives the Apple iPhone SE a 4 out of 5 rating. Calling it a Small Wonder

Apple iPhone SE Specifications:

• 12Mpixel iSight rear camera f2.2, 1.2Mpixel Facetime camera
• 1080p HD video recording (30 fps or 60 fps)
• Apple A9 quad-core 1.30GHz processor
• Apple M8 motion coprocessor
• iOS 9
• 4" Retina HD 1136x640 resolution touchscreen
• Bluetooth 4.0
• 802.11a/b/g/n/ac Wi-Fi
• NFC
• upto 14 hr talk time on 3G, upto 10 days standby
• 6.07 ounces

Low Cost No Contract Service Plan with Unlimited Talk, Text, and Web

T-Mobile offers a web exclusive pre-paid plan great for unlocked phones:

• $40/mo for Unlimited Talk, Text, Web with 3GB of LTE Data

Straight Talk, a prepaid carrier that is owned by Tracfone and Walmart, sells micro SIM cards for the that cost $14.99 + Free Shipping.  You can pop these into any AT&T-compatible, T-Mobile-compatible, or unlocked GSM phone.

• $45 a month buys you unlimited talk, text, Web with 5GB high speed data