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Learn about installment plans

Find out why it makes sense to use an installment plan to get your next device or accessory. Plus, compare smartphone installment pricing options.

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Installment plan details

Instead of paying the full retail price upfront when you buy a new phone, tablet, watch, or accessory, you can choose an installment plan. An installment plan takes the full retail price of your new device and spreads it across low monthly payments.

Info about non-smartphone installment plans

Info about smartphone installment plans
With an installment plan, you can:
  • Get the latest smartphone for $0 down1 with well-qualified credit. Plus, you won’t pay any finance fees.
  • Make low monthly payments.
  • Trade in your smartphone online and upgrade early with certain plans. You must be eligible to upgrade under your plan. After you trade-in your smartphone and upgrade to a new one, we won’t bill you any more installments for your old phone.
Smartphone installment plans available at AT&T
  • AT&T Installment Plan: You pay 30 monthly device payments. After you pay your device in full, you can upgrade (no need to trade in your old device).
  • AT&T Installment Plan with Next Up℠: You pay 30 monthly device payments plus $5 per month for the AT&T Next Up℠ upgrade option to trade in and upgrade early. With the Next Up option, you can trade in your smartphone and upgrade to something new after you pay 50% of its retail price. (The $5 per month AT&T Next Up charge doesn’t apply toward the balance owed on your device.) Change your mind and want to cancel your upgrade option?  Find out how
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Upgrade options for smartphones on an installment plan

  • Trade-in eligible: You’re eligible to trade in your smartphone and upgrade to a new smartphone after paying off a certain percentage of your smartphone’s price.
    • For AT&T Installment Plan with Next Up1, it’s 50% with an active AT&T Next Up feature; for AT&T Next Every Year1, it’s 50%; and for AT&T Next1, it’s 80%. Other trade-in restrictions apply.
    • The AT&T Next®1 and AT&T Next Every Year®1 plans are being discontinued. They’re available only from select non-AT&T dealers for a limited time.
  • Prepay to upgrade: You can upgrade faster by paying a lump sum to reach the required percentage to trade-in your smartphone. Keep in mind, you'll have to trade in your current smartphone, or start the trade-in process online, before you can upgrade.
  • Pay off installment: You can pay off your full installment balance anytime to keep your old smartphone and buy a new one.
Heads up: If your account is past due or suspended for nonpayment, you may not be able to trade in or upgrade your device.
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Compare prices online

  1. Go to Shop smartphones.
  2. Look for Pricing options and choose a plan from the drop-down menu.
  3. Compare the price for each smartphone.

See all important details


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