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Learn about installment plans

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


Installment plan details

Instead of paying full price upfront when you get a new phone, tablet, watch, or accessory, you can choose an installment plan. This spreads the price of your new device across low monthly payments.

Smartphone installment plan

With an installment plan, you can:
  • Get the latest smartphone for $0 down with well-qualified credit.1 Plus, you won’t pay any finance fees.
  • Make low monthly payments.
Start your turn in online, and upgrade early with certain plans if you’re eligible. After you turn in your smartphone and upgrade to a new one, we won’t bill you any more installments for your used phone.

Non-smartphone installment plan

Smartphone installment plans available at AT&T

AT&T Installment Plan
You make 36 monthly payments. After you pay your device in full, you can upgrade (no need to turn in your old device).

AT&T Installment Plan with Next Up
You make 36 monthly payments plus $5 per month for the AT&T Next Up℠ option to trade in and upgrade your device early.
  • With Next Up, you can turn 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 you owe on your device.)
  • No longer want the AT&T Next Up upgrade option? If you bought your phone:
Helpful tip: If you decide to remove the AT&T Next Up upgrade option, you can’t add it back.

Upgrade options for smartphones on an installment plan

Turn-in eligible
You can turn in your smartphone and upgrade to a new one after paying off a certain percentage of your smartphone’s price. This means:
  • For AT&T Installment Plan with Next Up, it’s 50% with an active AT&T Next Up option1
  • For AT&T Next Every Year, it’s 50% (no longer available)
  • For AT&T Next® it's 80% (no longer available)
Keep in mind, other turn-in restrictions apply.

Pay to upgrade or pay off installment
You can:
  • Upgrade faster by paying the required percentage on your smartphone up front. Remember - you’ll have to trade your current smartphone in, or start the trade-in process online, before you can upgrade.
  • Pay off the installment balance at any time 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 turn in or upgrade your device.

Compare prices online
  1. Go to Shop smartphones.
  2. Look for Filter & sort and choose a smartphone.
  3. Compare the price for the smartphone on the different installment plan options.

See all important details

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