Upgrade early with
AT&T Next Up.
AT&T Installment Plan with Next Up means $0 down, low monthly payments, and a new smartphone after you’ve paid 50%.*
*Tax due at sale. Requires well-qualified credit, purchase of eligible smartphone on installment, eligible service and extra $5/mo. upgrade feature (not applied to device price). If service is canceled, device balance due. Upgrade requires qualifying trade-in. Activation ($30), other fees, charges, limits and restrictions apply.
AT&T Installment Plan with Next Up features
Choose any smartphone for AT&T.
For flexibility (and to upgrade early), pay $5 more per month (not applied to device price). Once you’ve paid off 50% of your phone, you can trade in your device.
About AT&T Installment Plan with Next Up
How do the costs compare?
Compare the cost of purchasing this device with AT&T Installment Plan or with AT&T Installment Plan with Next Up.
|AT&T Installment Plan||with AT&T Next Up|
|Device Cost Due Today||$0 + tax*||$0 + tax*|
|Activation & Upgrade Fee||$30||$30|
|Eligible to Upgrade||No||After 50% of the phone cost is paid with active Next Up feature for extra $5/mo.|
|Trade-in required with upgrade||N/A||Yes|
AT&T Installment Plan and the AT&T Installment Plan with Next Up available online and in store.
How do the costs compare?
- The AT&T Installment Plan offers 36 monthly payments at 0% APR for a new smartphone for low monthly payments.
- AT&T Installment Plan with Next Up offers 36 monthly payments at 0% APR for a new smartphone and a trade-in and upgrade after paying off 50% of your phone. Enjoy this flexibility for only $5 more per month.
What is an installment plan?
Instead of paying the full price up front when you buy a new smartphone, you can choose to pay on an installment plan. An installment plan takes the full price of your new device and spreads it across low monthly payments. Plus, you won’t pay any finance fees or interest.
With well-qualified credit, you can get the latest smartphone for $0 down with eligible service. Taxes on the smartphone are due at the time of sale. Other credit-qualified customers may need to make a down payment of 30% of the sales price or a fixed amount between $200 and $1,400. They'll then divide the remaining smartphone amount into low monthly installment payments.
What are my installment plan options?
AT&T Installment Plan with Next Up: You pay 36 monthly device payments, plus $5 per month for the Next Up option to trade in and upgrade early. After you pay 50% of your smartphone’s retail price, along with the Next Up feature, you can trade it in and upgrade to something new. (The $5 per month AT&T Next Up charge doesn’t apply toward the installment balance owed on your device.)
AT&T Installment Plan: You pay 36 monthly device payments. After you pay your smartphone in full, you can upgrade (no need to trade in your old device).
Can I switch to AT&T Installment Plan with Next Up later?
Yes, but you can only switch to AT&T Installment Plan with Next Up within 14 days of buying a new smartphone. Business customers have 30 days.
Can I switch from the AT&T Installment with Next Up charge of $5 per month to AT&T Installment Plan without the AT&T Next Up charge?
If you bought your smartphone less than 14 days ago, you can switch to our AT&T Installment Plan. (Business customers have 30 days.) Just pop in to one of our stores. If it’s been longer than 14 days, you can remove the AT&T Next Up upgrade feature.
Good to know: If you remove the AT&T Next Up upgrade feature, you aren’t eligible to upgrade early anymore. You also can’t add Next Up back to your installment plan, so make sure you really want to remove it. Keep in mind, we can’t refund any Next Up charges you’ve already paid
What do I pay up front when I buy a smartphone on an installment plan?
You’ll pay taxes on the full device price at the point of sale. You may also have to make a down payment. The down payment amount depends on your credit score, how long you’ve been with us, and your credit history. It also depends on how many devices you’re financing.
Do I have to sign an agreement to get an installment plan?
Yes, you’ll need to sign an installment agreement. This agreement explains what you’ll pay each month for your smartphone and other details. You must have eligible talk and data service for your smartphone throughout your agreement. For new customers, eligible service plans begin at $50 per month after AutoPay and paperless billing discounts (for new business customers, $50 per month after AutoPay discount). If you’re an existing customer, you can add your new smartphone to an eligible existing plan, which may cost less.
If you cancel your wireless service, the unpaid balance on the smartphone is due. Also, we require a month-to-month Wireless Customer Agreement for your wireless service or a qualified business agreement.
What's the length of the new installment plan?
The AT&T Installment Plan and the AT&T Installment Plan with Next Up are both 36 months. With Next Up, for an additional $5 per month, you can trade in your device and upgrade to something new after you pay 50% of the device retail price.
Can I keep my smartphone? Or do I have to trade it in?
If you’re on the AT&T Installment Plan with Next Up and choose to upgrade, you must:
- Have paid off at least 50% of the current smartphone cost
- Trade in your current smartphone in good physical and fully functional condition
Note: You trade in your phone only if you choose to upgrade with Next Up during the term of your installment agreement.
With the AT&T Installment Plan, you pay off your device in 36 monthly payments. There is no trade-in and upgrade option during the term of the plan and your old device is yours to keep.
Can I trade in my smartphone if it’s damaged or doesn’t work?
If you have a mobile device protection plan, you can file a claim and pay the deductible for a replacement smartphone. Then you can use your replacement smartphone as your trade-in when you’re eligible to upgrade as long as it is in good physical and fully functional condition at the time of trade-in. Or you can keep your smartphone and complete all the installment payments. Once all payments have been made, you can upgrade to a new smartphone.
Good to know: If you plan to keep your smartphone and make all installment payments, you might consider removing AT&T Next Up. If you remove the AT&T Next Up upgrade feature though, you aren’t eligible to upgrade early anymore. You also can’t add Next Up back to your installment plan, so make sure you really want to remove it. Keep in mind, Next Up charges you’ve already paid are nonrefundable.
When can I upgrade my smartphone?
It depends on which installment plan you have.
AT&T Installment Plan: You'll have to pay your full installment balance before you can upgrade. But your old device is yours to keep.
AT&T Installment Plan with Next Up: You can upgrade after you’ve paid 50% of the device retail price and trade it in, along with the $5 monthly Next Up charge.
AT&T Next or AT&T Next Every Year You can upgrade early after paying off most of your installment plan. For AT&T Next Every Year, it’s 50%, and for AT&T Next, it’s 80%.
What happens if I cancel wireless service or fail to make a payment for a smartphone on an installment plan?
You’ll owe the remaining unpaid installment balance on the smartphone.
How do I trade in my smartphone to upgrade to a new one?
Once you’re eligible to upgrade, you can trade in your smartphone. Make sure your account is in good standing and your smartphone is in good physical condition and fully functional. Otherwise, you can’t trade it in. This means:
- It must turn on and off. The screen must be intact, be free of any chips, and function properly
- The device body can’t be broken or cracked
- The battery must be included
- Device or activation locks, such as the one needed for Find My iPhone, must be disabled
Are the AT&T Next and AT&T Next Every Year Plans being discontinued?
The AT&T Next and AT&T Next Every Year Plans are being discontinued and are available only from select non-AT&T dealers for only a limited time.
You can trade in and upgrade your smartphone pursuant to the existing AT&T Next and AT&T Next Every Year trade-in terms. When you trade in your smartphone, you will have a choice between the AT&T Installment Plan and the AT&T Installment Plan with Next Up unless the AT&T Next or AT&T Next Every Plan is offered by a non-AT&T dealer.
What is the monthly charge for the Next Up upgrade feature?
$5 per month.
AT&T INSTALLMENT PLAN: Credit approval required. Avail. 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 36-month installment agreement and eligible service. Divides sales price (less any down payment) into roughly 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 15% to 80% of device cost or a dollar amount currently ranging from $200 to $1,400 (amount subject to change and may be higher). Examples (amounts approximate): $1,099.99 sales price with $0 down is $30.55 per month; with $330 down (30%) is $21.38 per month; or with $600 down is $13.89 per month for 36 months. AT&T Installment Plan with Next Up: Price includes monthly smartphone installment payment and separate additional $5/month Next Up upgrade feature charge to be upgrade eligible with qualified trade in when 50% of device cost 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 $5 monthly payments do not apply toward financed device cost 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 post-paid 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 qual. plans avail. & existing customers can add to eligible current plans which may be less. If service cancelled, remaining device cost 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 & other restr’s apply.
Promotions, pricing, plan options, products and services, availability, terms & restr’s subject to change & may be modified or terminated at any time without notice.
GEN. WIRELESS SVC: Consumer Service Agreement (att.com/consumerserviceagreement) or for business customers, applicable wireless service agreement. Credit approval req’d. Services not for resale. Deposit: may apply. Limits: Purch. & line limits apply. Taxes, Reg. Cost. Recovery Charge (Up to $1.50), other fees and charges, usage, speed, coverage & other restr’s apply. See att.com/mobilityfees for details on fees & 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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