T-Mobile’s $0-down financing plan bundles taxes and fees

Emma Roth

is a news writer who covers the streaming wars, consumer tech, crypto, social media, and much more. Previously, she was a writer and editor at MUO.

T-Mobile is launching a new financing option that will allow you to pay for a device, taxes, and fees over 36 months. In an update on Tuesday, T-Mobile says its new Equipment Installment Plan (EIP) Flex 36 requires no upfront payment and will come with a 0 percent APR for a limited time.

Even if you are financing a device, carriers typically require you to pay sales tax, an activation fee, or a down payment at checkout. T-Mobile says its new plan eliminates that by allowing you to pay off all of these costs over time — though its website notes only “well-qualified customers” will pay $0 upfront. The EIP Flex 36 financing option is available for phones, watches, and tablets, and can also be combined with T-Mobile’s device promotions.

It’s not clear how much someone who isn’t “well-qualified” will pay, or when the 0 percent APR offer expires. The Verge reached out to T-Mobile with a request for more information but didn’t immediately hear back.

T-Mobile is introducing a 36-month option for its standard 0 percent financing plan as well, which was previously only available for 24 months. The carrier is also adding new Student Perks plans, starting at $30 / line per month with autopay enabled.

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