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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 full price upfront when you get a new phone, tablet, watch, or accessory, you can choose an installment plan. An installment plan spreads the full price of your new device 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, if you're eligible. 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 make 30 monthly 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 make 30 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 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 you owe on your device.) Change your mind and want to cancel Next up?  Find out how
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Upgrade options for smartphones on an installment plan

  • Trade-in eligible: You can trade in your smartphone and upgrade to a new one after paying off a certain percentage of your smartphone’s price. This means that for:
    • AT&T Installment Plan with Next Up1, it’s 50% with an active AT&T Next Up option
    • AT&T Next Every Year1, it’s 50%
    • The AT&T Next®1 it's 80%
  • Heads up: Other trade-in restrictions apply. Prepay to upgrade: You can upgrade faster by paying the required percentage on your smartphone upfront. Keep in mind, you’ll have to trade your current smartphone in, 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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