T Mobile Down Payments Plans and Options

T-Mobile offers various down payment plans to fit different budgets and needs. Some plans allow for no down payment at all.

You can pay a down payment of $0 with T-Mobile's no-down-payment option, which requires a 24-month payment plan. This plan is available for eligible customers.

T-Mobile's down payment plans can be a great option for those who want to get a new phone without breaking the bank.

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T-Mobile has altered its upfront cost policy for mobile devices worth more than $900 under the Un-carrier's JUMP! On-Demand program.

Customers who do not fulfill the credit requirements for $900+ devices are required to pay a down payment.

Only customers in credit categories A, B, W, or 4 with at least three years of contract duration with T-Mobile are eligible for the $0 down payment for phones costing more than $900.

Customers in credit class J with any contract tenure can also avail of devices with that price point with no upfront cost.

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T-Mobile's policy change means that super expensive phones like the Galaxy Note 8 will be extra costly.

T-Mobile has also offered various options for customers who otherwise want to opt for a $0 down payment.

The policy change was triggered by the rapidly increasing price points of flagship phones.

T-Mobile eliminated down payments on new phones in a limited-time promotion, but increased the price for some models through higher monthly payments.

Customers will save $30 overall for Samsung's Galaxy S4 under the promotion, but the HTC One will cost $40 more.

T-Mobile's new policy is a response to new upgrade plans from AT&T and Verizon, which carry higher fees for phones but waive the down payment.

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T-Mobile has made significant changes to its fees and charges over the years. In 2013, the company eliminated down payments on new phones, but increased the price for some models through higher monthly payments.

Some phones will be cheaper under the promotion, such as the Samsung Galaxy S4, which will save customers $30 overall. However, other phones like the HTC One will cost $40 more.

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T-Mobile's JUMP! On-Demand program has also undergone changes. Starting October 23, 2019, customers who want to purchase a handset worth more than $900 will have to pay an additional amount upfront, unless they meet certain credit requirements.

Customers in credit categories A, B, W, or 4 with at least three years of contract duration with T-Mobile are eligible for the $0 down payment for phones costing more than $900. Additionally, customers in credit class J with any contract tenure can also avail of devices with that price point with no upfront cost.

Here's a breakdown of the credit requirements for $0 down payment on high-end phones:

Note that these requirements may change, and it's always best to check with T-Mobile directly for the most up-to-date information.