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 15% to 80% 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).

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.