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About AT&T Installment Plans

Compare your options and learn more about the AT&T Installment Plans.

Compare installment plan options

AT&T Installment Plan:

  • Trade-in eligible: No.
  • Device installments: Sales price (less any down payment) is divided into 30 equal monthly payments.
  • Finance charge: None (0% APR).
  • Down payment: May be required. Currently $200 to $1400, but subject to change and could be higher, or 30% of sales price.
  • Early pay-off: You can pay off your installment plan early.

AT&T Installment Plan with Next Up:

  • Trade-in eligible: Yes.
  • Device installments: Sales price (less any down payment) is divided into 30 equal monthly payments.
  • AT&T Next Up upgrade feature: separate $5.00/mo. (does not apply towards the installment balance owed on your device.)
  • Finance charge: None (0% APR).
  • Down payment: May be required. Currently $200 to $1400, but subject to change and could be higher; or 30% of sales price.
  • Trade-In & Upgrade Requirements: Pay at least 50% of device price. ($5.00/mo. Next Up not applied to device price.) AT&T Next Up upgrade feature must be active at time of upgrade. Account must be in good standing and smartphone must be returned in good physical and fully functional condition. Must purchase a qualifying device on a qualifying installment plan with agreement and qualifying service. Eligibility and upgrade restrictions apply. See details below.
  • AT&T Next Up Cancellation: You can cancel the Next Up upgrade feature at any time. See att.com/next and your Retail Installment Agreement for important details.
  • Prepaying to upgrade: You can pay a lump sum amount to reach 50% of the device price earlier in order to upgrade with eligible trade-in. Tell service representative or perform online.
  • Early pay-off: You can pay off your installment plan early.

AT&T INSTALLMENT PLANS: Credit approval required. Available in select locations only. Plans subject to change and may be discontinued at any time. For smartphones only. Tax on sales price due at sale. Requires 0% APR 30-month installment agreement and eligible service. Divides sales price (less any down payment) into equal monthly installments. $0 down:Requires well-qualified credit. Limit as low as 1 smartphone at $0 down.Down payment: May be required and depends on a variety of factors. Down payment if required will be either 30% of sales price or a dollar amount currently ranging from $200 to $1,400 (amount subject to change and may be higher). Examples: $1099.99 sales price with $0 down is $36.67 per month, with $330 down (30%) is $25.67 per month, or with $600 down is $16.67 per month for 30 months. AT&T Installment Plan with Next Up: Price includes monthly device installment payment and separate $5/month Next Up upgrade feature charge to be upgrade eligible with qualified trade in when 50% of sales price of the financed device is paid off. Upgrade requires a minimum of 30-90 days on installment depending on credit and other factors (subject to change), account in good standing, trade-in of financed device in good physical and fully functional condition through the AT&T Next Up trade in program (excludes trade in program where you receive an instant credit or AT&T promotion card) and purchase of new eligible smartphone on eligible installment agreement with qualified wireless service. After upgrade, unbilled installments are waived. Next Up monthly payments do not apply toward financed device price balance, are non-refundable and may be canceled at any time resulting in waiver of right to trade in and upgrade during current installment agreement term. See att.com/next and your Retail Installment Agreement for full details. Service: Eligible postpaid voice and data service is required and extra. Consumers: Minimum $50 per month after AutoPay and Paperless Billing discount for new customers. Pay $60 per month until discount starts within 2 bills. Existing customers can add to eligible current plans which may be less. Business customers: Minimum $50 per month for new customers on Mobile Share Plus for Business after AutoPay discount. Pay $60 per month until discount starts within 2 bills. Other qualifying plans available and existing customers can add to eligible current plans which may be less. If service canceled, remaining device balance is due. Activation or upgrade fee due at sale or billed: $30. Restocking Fee: Up to $45. Limits: Purchase limit applies. Eligibility, device, line and financing limits, and other restrictions apply.

Promotions, pricing, plan options, products and services, availability, terms, and restrictions subject to change and may be modified or terminated at any time without notice.

GENERAL WIRELESS SERVICE: Subject to Wireless Customer Agreement (att.com/wca) or for business customers, applicable wireless service agreement. Credit approval required. Services not for resale. Deposit: May apply. Limits: Purchase and line limits apply. Taxes, Regulatory Cost Recovery Charge (up to $1.50), other fees and charges, usage, speed, coverage and other restrictions apply. See att.com/mobilityfees(consumer) or att.com/additionalcharges (business) for details on fees and charges. International and domestic off-net data may be at 2G speeds. AT&T service is subject to AT&T network management policies. See att.com/broadbandinfo for details.

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FREE Express Shipping: Postpaid orders will be processed and shipped subject to credit approval, inventory availability, and validation of a proper shipping address and other information. Orders received after 4 p.m. CT will be processed the next business day. Inventory, credit, or other issues may delay shipment. No holiday, Saturday, or Sunday processing or delivery. Shipping policy is subject to change. Please note: It may take up to 24 hours to process your order if there are any issues with the credit approval process and/or the shipping address validation process. This 24-hour period is not included in the delivery time and should be taken into account in your order placement timing. Delivery signatures may be required. Priority Shipments to Puerto Rico and the U.S. Virgin Islands may take more than 2 business days. Actual delivery date may also be affected by government processing, unforeseen weather, and shipping carrier delays. Learn more about AT&T shipping options at att.com/shop/wireless/free-shipping.html.