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AT&T Next

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%.*

AT&T Installment Plan with Next Up features

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Flexible Payments
Choose any smartphone for AT&T.

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Faster Upgrades
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
Monthly Installments 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

A T and T

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 30 monthly payments at 0% APR for a new smartphone for low monthly payments.
  • AT&T Installment Plan with Next Up offers 30 monthly payments at 0% APR for a new smart phone and a trade-in and upgrade after paying off 50% of your phone. Enjoy this flexibility for only $5 more per month.
Learn more about AT&T Mobile Share plans Browse Phones

FAQs

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 30 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 30 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 30 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 30 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.