I had an LG phone from Sprint that stopped work a day after the warranty expired. I could make and receive calls and I could hear the other person but they couldn’t hear me. I tried to get them to fix it and we went back and forth a couple of times and they agreed, not once but twice to ship me a refurbished phone for a small fee, but never did. As I had dumped my land line and my cell was and is my only phone, while I was waiting for a replacement that never came, I bought a used phone on eBay from a seller who had a good rating and good reviews.
But when I went to activated it turned up to be lost or stolen and couldn’t be activated.
Fortunately, I contacted the eBay seller and he apologized and returned my money in full a day later.
I wouldn’t do this again. I ended up cancelling my Sprint contract (their customer service was horrible), and went with ATT and got a new Samsung phone, and yes, I ponied up and got the insurance and a one year extended warranty.
Ask your friends. Chances are they have a phone or they know someone with one. My son put an appeal on Facebook and got a phone within a day.
I gave him my Sprint S6 and got a $20 phone from Cricket($35 a month)