The AT&T Phone Payment Plans

Hello there! Do you want a phone upgrade but can’t seem to afford the full payment for the device? If that’s the case, then this article is for you. Most people who can’t afford a phone tend to opt for financing. Financing can be pain if you have gone to the wrong service provider to do it for you. In most cases, bad phone financing options tend to make you pay a lot of money and when you complain, they will tell you to refer to the terms of sheet you signed up for. You can void all these hustle with the AT&T phone payment plan options.

AT&T is among the four best service providers in the US with cool deals ranging from cell phone plan for seniors, goo network coverage and many more. With close to 160 million users, they have a good reputation in the mobile industry and many customer reviews suggest that they are a good company. The phone payment plan offered by AT&T gives millions of people the ability to get a phone upgrade at an amazing deal. You get to pay for the device in installments and there are no high fees, hidden costs and taxes.

Once you read this article, you will get to learn more on everything you need to know about the phone payment plan options at AT&T. However, you should always read through the terms of conditions of their payment plans before opting for it as it changes from time to time and also there are other factors that may influence it. Read below to learn more.

How does the payment plan work?

AT&T Phone Payment Plans

The phone payment plan at AT&T works by allowing people to buy new devices and pay for the device in installments. AT&T takes the full price of your phone and spreads it across low monthly payment options.

This option offered by AT&T is very different from the normal financing options because there are no finance fees or interest. The good thing about this payment plan is that AT&T has not pre-selected any devices hence you have the power to choose the device of your choice in their store.

The AT&T payment plans are divided in to 2 categories;

1) Next Up payment plan

This payment plan is good if you plan to trade in your old phone and get the new device early enough. You have to pay $5 per month for the Next Up option to trade-in. Once you have paid 50% of the new phone’s retail price, you have the power to trade in you have the power to trade in your device and get a new phone

2) AT&T installment plan

This payment plan is good if you don’t wish to trade-in your old device. If you opt for this one, you only pay for the new phone upgrade in 30 monthly installments

Who is eligible for phone payment plans?

Here is how you can qualify for the payment plan;

If you have good credit, you can get the device of your choice or the latest phone like iPhone 11 at $0 down. However, if your credit score is not good enough, the customer is required to make a 30% payment of the device then the other payment is to be paid in installments.

The good thing is that you don’t have to be an AT&T customer to get this deal. New and existing customers can get cool discounts on some of the phones and accessories in AT&T’s store.

Read More: Monthly Payments On Electronics With No Credit Check. See how you can finance your favorite electronics without a credit check.

How to enroll for the AT&T payment plans?

If you think the AT&T payment plan is convenient for you, then below are three simple ways to help you get started;

Step 1: Select the phone upgrade

You need to choose the phone you want to upgrade to so as to know your payment options. There are many flagship devices you can find in their online store. However, choose a device which you can easily pay-off without going in to deep debt.

Step 2: Choose the type of payment plan

Earlier in the article we discussed of the two payment plans; installment and Next Up. Choose the one that suite you will never find any trouble paying for it.

Step 3: Choose a cell phone plan

If you are a new customer at AT&T, you will need to choose a wireless plan. This plan gives you talk, text and data units plus other options under AT&T’s network.

There are many cell phone plans like the unlimited mobile hotspot plan, plan for seniors, unlimited phone plans and many more.

Can you switch payment plans?

Yes! You can switch from Installment to next up if you bought your smartphone less than 14 days from the time you want to switch. However, business customers get up to 30 days for them to be able to switch. If it is past 14 days, then you are likely to stick to the payment plan you signed up for.

Can you pay-off for the device early?

Yes. If you think you have enough money to pay-off for the device you can do so and there will be no extra costs or fines. However, if you consider the Next Up plan and fail to pay in time for the remaining 50%, you may be fined depending on the type and condition of the trade-in phone you brought to them.

Pros and cons of opting for a phone payment plan


  • Low monthly payments
  • 0% interest or hidden fees
  • You’ll never miss out on the latest devices


  • It’s a tiresome process to trade-in a damaged device

Bottom Line

I hope this article helps you find the perfect Smartphone upgrade without paying extra fees and taxes. AT&T has the best payment plans and what’s fascinating is that you don’t pay any extra charges for the device. The wireless plans are convenient for anyone and they have been categorized perfectly in term of prices. You can also contact customer care or pop up at a retail store if you have any inquires to make with regards to their payment plan options.

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