Get the Latest Smartphones with AT&T Installment

AT&T Installment and AT&T Installment with Next Up take the retail price of your new smartphone and spread it across small monthly payments.

AT&T Installment

  • Finance your smartphone with no interest for 30 months. Devices may be paid off early, but early trade-in-upgrade is not an option.

AT&T Installment with Next Up

  • Finance your smartphone with no interest for 30 months. On the Next Up plan, you pay $5 per month to have the option to upgrade your device early (when 50% of the payments have been made). Devices may also be paid off early with no penalty.



AT&T INSTALLMENT OR AT&T INSTALLMENT WITH NEXT UP: Credit approval required. For smartphones only. Tax on sales price due at sale. Requires 0% APR monthly installment agreement and eligible service. Divides sales price into monthly installments.

AT&T INSTALLMENT: 30-month agreement with trade-in to upgrade when 100% of sales price is paid off. AT&T INSTALLMENT NEXT UP: 30-month agreement with trade-in to upgrade when 50% of sales price is paid off. $5 per month until upgraded. 

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 ranging from currently $0 to $600 (amount subject to change, and may be higher). You may choose to pay more upfront. Remainder of sales price is divided into 30 or 24 monthly installments. Service: Eligible postpaid voice and data service (minimum $50 per month for new customers, may be added to select existing plans which may be less) is required and extra. If service is canceled, remaining installment agreement balance is due.

Examples: $749.99 sales price (30-month) with $0 down is $25 per month, with $225 down (30%) is $17.50 per month, or with $600 down is $5 per month. Activation or upgrade fee: $25. No upgrade fee for line with a smartphone purchased on an installment agreement prior to August 1, 2015. Waiver of fee subject to change.

Restocking Fee: Up to $45. Limits: Purchase limit applies. Eligibility, device, line and financing limits & other restr’s apply. Upgrade with eligible trade-in: Requires payment of percentage of sales price (50% or 80%), account in good standing, trade-in of financed device (or one of the same make and model) in good physical and fully functional condition through the AT&T Installment or AT&T Installment with Next Up trade-in program (excludes AT&T trade-in program where you receive an instant credit or AT&T promotion card), and purchase of new eligible smartphone with qualified wireless service

GENERAL WIRELESS SERVICE: Subject to wireless customer agreement ( Services are not for resale.

Deposit: May be required. Limits: Purchase and line limits apply. Prices vary by location. Credit approval, fees, monthly and other charges, usage, eligibility and other restrictions per line may apply. See for more details on other charges. Pricing and terms are subject to change and may be modified or terminated at any time without notice. Coverage and service are not available everywhere. You get an off-net (roaming) usage allowance for each service. If you exceed the allowance, your services may be restricted or terminated. Other restrictions apply and may result in service termination. For info on AT&T network management policies see