*Well-qualified credit may be required. Down payment may be required. Tax due at sale. Limits & restrictions apply. **$0 down requires well-qualified credit. Tax due at sale. ***If you terminate your wireless service plan for any reason, your remaining installment balance becomes due.
Equipment Installment Plan options
Choose from a variety of plans
Equipment Installment Plan with 24-month payment term
Payoff your device in 24 low monthly installment plans. After paying all of the installments, you can upgrade your device to a brand new one.*Shop
Equipment Installment Plan with 36-month payment term
Payoff your device in 36 low monthly installment plans. After paying all of the installments, you can upgrade your device to a brand new one.*Shop
*Upgrade fee of $30 per line applies.
Frequently Asked Questions
What is the Equipment Installment Plan program?
The Equipment Installment Plan program offers well-qualified buyers the opportunity to purchase a smartphone, tablet, or feature phone for $0 down, dividing the regular price of the eligible device into low monthly installment payments. With an Equipment Installment Plan, tax is due at the time of sale, but there are no finance fees required.
For well-qualified buyers, the options are:
Equipment Installment Plan with 36-month payment term: Divided into 36 installments.
Equipment Installment Plan with 24-month payment term: Divided into 24 installments.
For qualified buyers, another option is:
Equipment Installment Plan with down payment: 30% of the device cost down, with the remainder divided into 24 or 36 installments.
Will I be required to pay a lump sum up front to purchase a smartphone or other eligible device with an Equipment Installment Plan?
Some buyers will qualify only for an Equipment Installment Plan with a 30% down payment. Not all buyers will qualify for any Equipment Installment Plan option.
Is a contract required with an Equipment Installment Plan?
The Equipment Installment Plan program requires that you sign an installment agreement to pay for the smartphone, tablet, or feature phone in monthly installment payments. If you cancel your wireless service for that Corporate Responsibility User device, the remaining unpaid balance on the device is due. Also, you must be a qualified business or government customer to take advantage of the Equipment Installment Plan program for your Corporate Responsibility User lines of service, which means a qualified wireless service agreement is required for the wireless service (for example, voice and data for smartphones).
Do I own the equipment? Or is this a leasing offer?
The equipment is yours, and you're responsible for the monthly installment payments. You're also responsible for any loss, theft, or damage to the equipment—both during the installment agreement period and afterward. We recommend you purchase the optional Mobile Insurance to protect your investment.
Can I upgrade my Equipment Installment Plan smartphone or other eligible equipment earlier than 24 or 36 months?
Yes, you can upgrade earlier, but the full outstanding balance will be due immediately. After you have been billed and made two monthly installment payments (as long as your account is in good standing), you are eligible to take advantage of our Pay to Upgrade early option.
To reach early upgrade status, you need to pay your remaining installments in one lump sum. For the Equipment Installment Plan with 36-month payment term, you need to pay a lump sum amount that completes 36 installment payments. For the Equipment Installment Plan with 24-month payment term, you need to pay a lump sum amount that completes 24 installment payments.
Will I be able to pay off this Equipment Installment Plan equipment early?
Yes, you always have the option to pay off your installment agreement early, but the full outstanding balance is due in one lump sum.
What payments are due if I cancel the wireless service associated with an Equipment Installment Plan?
With the Equipment Installment Plan program, you can pay off your installment payments in full at any time. If you want to cancel your Corporate Responsibility User's wireless service with AT&T, the full outstanding balance on your associated installment agreement becomes due immediately.
EQUIPMENT INSTALLMENT PLANS FOR BUSINESS: Subject to applicable Business Agreement. Credit approval required. Tax on sales price due at sale. Requires 0% APR monthly installment and eligible service. 24 month AT&T Equipment Installment Plan: 24-month agreement to own or upgrade when retail price of device is paid. 36 month AT&T Equipment Installment Plan: 36-month agreement to own or upgrade when retail price of device is paid. Down payment: $0 down requires well-qualified credit. Down payment may be required and depends on a variety of factors. Down payment if required will be either 30% of sales price or a dollar amount currently ranging from $0 to $1,300 (amount subject to change and may be higher). You may choose to pay more upfront. Remainder of sales price is divided into applicable 36 or 24 monthly installments. Service: Eligible postpaid voice and data service is required and extra. If service is terminated for any reason, remaining installment agreement balance is due. Restocking Fee (termination within 30 days of purchase): Up to $45/device. Eligibility, device, line and financing limits & other restr’s apply. See your Retail Installment Agreement for details.
AT&T Mobile SelectSM - Pooled Plans: Available only to business and government customers with a qualified AT&T wireless service agreement (Business Agreement) and only for their Corporate Responsibility User (CRU) lines of service. Devices: Sold separately. Equipment Installment Plan (EIP) installment charges, AT&T Next® or AT&T Next Every Year® installment charges and other device purchase costs are extra. A limit on the number of financed devices per wireless account may apply. Discounted Plan Charge: Monthly service charge for smartphone lines on no annual service contracts (EIP, AT&T Next, AT&T Next Every Year, bring your own, pay full price, or month-to-month) are discounted by $25 per month when compared to monthly service charge for smartphone lines with new 2-year service commitments. Loss of Discount with 2-year Upgrade: If upgrading to a smartphone with a 2-year service commitment, you will lose the discount for that CRU line. Data Overage: If you exceed the total amount of data in your Data Pool during your billing period, a pay-per-use rate of $0.000009536 per kilobyte (KB) will apply. 1,024 KB = 1 megabyte (MB); 1,000 MB = 1 gigabyte (GB). Additional restrictions apply. Visit www.att.com/mobileselect for details.
GENERAL WIRELESS SERVICE TERMS: Subject to applicable Business Agreement. Service is not for resale. If AT&T does not enforce any of the terms or restrictions of its service offerings, it is not a waiver of the right to enforce those terms or restrictions. AT&T reserves the rights to enforce all terms and restrictions at any time. If AT&T determines your use of services violates any of the applicable terms or policies found in the applicable Business Agreement, we may in our sole discretion suspend, modify, terminate or restrict your service. Network Management: All AT&T service is subject to AT&T network management policies. See att.com/broadbandinfo for details. Excessive Off-Net Usage: You get an off-net (roaming) usage allowance for each service. If you exceed the allowance, your service(s) may be restricted or terminated. Other restrictions apply and may result in service termination. If you purchased a device that requires a term commitment, an Early Termination Fee applies if you cancel service after the first 30 days and before your term ends. See att.com/equipment ETF for details on what fee may apply for your device and how the fee is prorated over time. Activation/upgrade fee per line (up to $45) and deposit may apply. Credit approval may be required. AT&T reserves the right to suspend or terminate service to your account, place any non-complying device on an appropriate plan, and/or add any other required element of a plan. Other Monthly Charges: Apply per line & may include taxes, federal/state universal service charges, Regulatory Cost Recovery Charge (up to $1.25), gross receipts surcharge, Administrative Fee, and other government assessments (including without limitation a Property Tax Allotment surcharge of $0.20 – $0.45 applied per CRU’s assigned number) which are not government-required charges. Additional one-time charges may apply. See att.com/additionalcharges for more details on other charges. Coverage: Coverage map shows high level approximation of areas included in and out of plan. For the most current coverage info for your area, check att.com/coverageviewer. Coverage may include areas that are served by unaffiliated carriers and not on the AT&T owned and operated network (off-net). Coverage is subject to change without notice. Service is intended for use primarily within the DCA. For full service terms and conditions, see the Business Agreement.
Your feedback will help us to improve AT&T Business so you continue to have a great experience when visiting us!
This survey is conducted by an independent company ForeSee for AT&T.