If you pay the full price for the phone ($229.99) then no you don't have to make any payments for the phone, as you will have paid for it in full. If you buy the phone on your best buy credit card , you would have the option to pay for it over 6 months with no interest. Now, if you want to use the phone (talk, text and data) then you have to sign up for service with Boost Mobile. Typically, most plans involve a monthly payment to keep service active. Contact boost mobile for plan specifics. Hope this answers your question.