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Oneplus financing options?

Duranson

So I'm looking to get a OnePlus 6T when it comes out. I want to finance it because I am in middle school and so I'm broke AF :) . OnePlus does let you finance your phones through PayPal credit. This is what I want to do, however, I'm wondering, what if I want/need to return the phone for some reason that is NOT because it broke, or something that is OnePlus's fault. Would OnePlus make me pay the rest of the money, or will they stop charging me per month? I know this is a complicated question but it would be great if anyone could give me an answer :) .

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Oneplus only allows 15 days for returns and give you a full refund. After that, they'll either repair or replace your unit.

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Also One Plus will only do full returns if you didn't open the box. If you opened it, then they take a % fee.

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If you're in middle school you likely can't use that. You have no credit. 

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