Instead of paying the full price up front when you buy a new smartphone, you can choose to pay on an installment plan. An installment plan takes the full price of your new device and spreads it across low monthly payments. Plus, you won’t pay any finance fees or interest.

Learn how to buy accessories on an installment plan.

With well-qualified credit, you can get the latest smartphone for $0 down with eligible service. Taxes on the smartphone are due at the time of sale. Other credit-qualified customers may need to make a down payment of 30% of the sales price or a fixed amount between $200 and $1,400. We’ll then divide the remaining smartphone amount into low monthly installment payments.

Here are your current options:

AT&T Installment Plan with Next Up℠

You pay 30 monthly device payments, plus $5 per month for the Next Up option to trade in and upgrade early. After you pay 50% of your smartphone’s retail price, along with the Next Up feature, you can trade it in and upgrade to something new. (The $5 per month AT&T Next Up charge doesn’t apply toward the installment balance owed on your device.)

AT&T Installment Plan

You pay 30 monthly device payments. After you pay your smartphone in full, you can upgrade (no need to trade in your old device).

Yes, but you can only switch to AT&T Installment Plan with Next Up within 14 days of buying a new smartphone. Business customers have 30 days.

If you bought your smartphone less than 14 days ago, you can switch to our AT&T Installment Plan. (Business customers have 30 days.) Just pop in to one of our stores. If it’s been longer than 14 days, you can remove the AT&T Next Up upgrade feature.

Good to know: If you remove the AT&T Next Up upgrade feature, you aren’t eligible to upgrade early anymore. You also can’t add Next Up back to your installment plan, so make sure you really want to remove it. Keep in mind, we can’t refund any Next Up charges you’ve already paid.

You’ll pay taxes on the full device price at the point of sale. You may also have to make a down payment. The down payment amount depends on your credit score, how long you’ve been with us, and your credit history. It also depends on how many devices you’re financing.

Yes, you’ll need to sign an installment agreement. This agreement explains what you’ll pay each month for your smartphone and other details. You must have eligible talk and data service for your smartphone throughout your agreement. For new customers, eligible service plans begin at $50 per month after AutoPay and paperless billing discounts (for new business customers, $50 per month after AutoPay discount). If you’re an existing customer, you can add your new smartphone to an eligible existing plan, which may cost less.

If you cancel your wireless service, the unpaid balance on the smartphone is due. Also, we require a month-to-month Wireless Customer Agreement for your wireless service or a qualified business agreement.

The AT&T Installment Plan and the AT&T Installment Plan with Next Up℠ are both 30 months. With Next Up, for an additional $5 per month, you can trade in your device and upgrade to something new after you pay 50% of the device retail price.

If you’re on the AT&T Installment Plan with Next Up and choose to upgrade, you must:

• Have paid off at least 50% of the current smartphone cost
• Trade in your current smartphone in good physical and fully functional condition

Note: You trade in your phone only if you choose to upgrade with Next Up during the term of your installment agreement.

With the AT&T Installment Plan, you pay off your device in 30 monthly payments. There is no trade-in and upgrade option during the term of the plan and your old device is yours to keep.

Unfortunately, AT&T cannot accept damaged or non-functioning devices as trade-ins.

However, if you have a mobile device protection plan, you can file a claim (and pay the deductible) to receive a replacement smartphone, which you can use as your trade-in once your account is eligible.

Good to know: If you don’t have a mobile device protection plan, you may want to remove AT&T Next Up payments from your account (you can do this from your myATT account overview page). If you remove the AT&T Next Up upgrade feature, you will no longer be eligible for early upgrades. You can’t add Next Up back to your installment plan, so make sure you really want to remove it. Any Next Up charges you’ve already paid are not refundable.

It depends on which installment plan you have.

AT&T Installment Plan

You'll have to pay your full installment balance before you can upgrade. But your old device is yours to keep. Find out how to pay off your installment balance.

AT&T Installment Plan with Next Up

You can upgrade after you’ve paid 50% of the device retail price and trade it in, along with the $5 monthly Next Up charge.

AT&T Next® or AT&T Next Every Year®

You can upgrade early after paying off most of your installment plan. For AT&T Next Every Year, it’s 50%, and for AT&T Next, it’s 80%. 

 Find out how you can upgrade early (if your account is in good standing).

You’ll owe the remaining unpaid installment balance on the smartphone.

Once you’re eligible to upgrade, you can trade in your smartphone. Make sure your account is in good standing and your smartphone is in good physical condition and fully functional. Otherwise, you can’t trade it in. This means:

• It must turn on and off.The screen must be intact, be free of any chips, and function properly.
• The device body can’t be broken or cracked.
• The battery must be included.
• Device or activation locks, such as the one needed for Find My iPhone, must be disabled.

Not upgrade eligible yet? Find out how you can get a new phone.

The AT&T Next® and AT&T Next Every Year® Plans are being discontinued and are available only from select non-AT&T dealers for only a limited time.

You can trade in and upgrade your smartphone pursuant to the existing AT&T Next® and AT&T Next Every Year® trade-in terms. When you trade in your smartphone, you will have a choice between the AT&T Installment Plan and the AT&T Installment Plan with Next Up unless the AT&T Next® or AT&T Next Every Plan® is offered by a non-AT&T dealer.

$5 a month.

If you bought your smartphone less than 14 days ago, you can switch to our AT&T Installment Plan. (Business customers have 30 days.) Just pop in to one of our stores, and an AT&T expert will help you cancel your Next Up enrollment.

If it’s been longer than 14 days since you bought your phone, you can remove the AT&T Next Up upgrade feature from your installment plan by going to your myATT account overview (login required) and selecting See my bill. Select Manage installment plan under Billing & payment options (you may have to scroll). Select Learn about or cancel Next Up and follow the prompts to cancel the AT&T Next Up℠ upgrade option.

Good to know: If you remove the AT&T Next Up upgrade feature, you aren’t eligible to upgrade early anymore. You also can’t add Next Up back to your installment plan, so make sure you really want to remove it. Keep in mind, we can’t refund any Next Up charges you’ve already paid.