Learn about smartphone installment plans

Instead of paying full price upfront when you get a new phone, you can choose an installment plan. You’ll get the latest smartphone for $0 down, no interest, no finance fees, and the price of your new phone is spread across low monthly payments.

AT&T Installment Plan

You make 36 low monthly payments. After you pay your device in full, you can upgrade (no need to turn in your old device).

• You can pay off the installment balance at any time to keep your old smartphone and buy a new one.

AT&T Installment Plan with Next Up

You make 36 low monthly payments and get the option to upgrade early for $6 more per month.¹

• With Next Up^SM, you get the flexibility to upgrade early after 50% of the phone is paid off and the phone is turned in. (The $6 per month AT&T Next Up charge doesn’t apply toward the balance you owe on your phone.)
• You can also prepay to upgrade even faster with a lump sum amount to reach 50% of the smartphone price. Remember, you’ll have to turn your current smartphone in or start the turn-in process online before you can upgrade.
• No longer want the AT&T Next Up upgrade option? If you bought your phone:
  • Within the last 14 days: Go to one of our stores.
  • After 14 days: View your installment plan details and follow the prompts to cancel the AT&T Next Up upgrade option.

Heads up: If you decide to remove the AT&T Next Up upgrade option, you can’t add it back.

Compare prices online

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

Non-smartphone installment plan

• Installment plans for tablets, wearable connected devices, and basic phones
  
• Accessory installment plans
  

See all important details