Many leading carriers offer 24-month phone contract deals that combine the latest phones with savings, trade-in offers, or monthly bill credits. These contracts typically spread the cost of your new phone across 24 monthly payments and often require activation of a qualifying unlimited plan or switching your service. Below are current highlights from major providers:
- T-Mobile features $0 down on many smartphones, with the device cost divided into 24 monthly bill credits when you add a new line on a qualifying plan. T-Mobile also offers up to $800 to pay off your current phone, plus the option to get the latest iPhone 16[7]. Bill credits stop if you cancel before 24 months or pay off the phone early.
- At AT&T, new and existing customers can receive up to $830 off the iPhone 16 Plus with eligible trade-in, with payments as low as $10.99/month over a 36-month plan[4]. While this example is for a 36-month term, comparable 24-month options are frequently available.
- Verizon offers significant discounts such as $1,119.99 off the Samsung Galaxy S25 Ultra when buying on an Unlimited Ultimate plan, commonly applied over 24 monthly credits[3].
- Total Wireless lists several devices with specific “excellent credit price” rates over 24 months, such as the iPhone 14 Plus or iPhone 13. Some phone deals on Total Wireless are free with certain multi-month unlimited plans, but most premium models use 24-month payment terms[1].
- Both T-Mobile and carriers like Xfinity Mobile or Samsung offer up to $1,000 off on new devices such as the Samsung Galaxy S25 with a qualifying trade-in and a suitable unlimited plan—most commonly over a 24-month contract[3].
Smaller providers and prepaid carriers (e.g., Mint Mobile, Boost Mobile, and Metro by T-Mobile) sometimes offer free or deeply discounted midrange phones as long as you commit to a qualifying plan. However, these offers tend to rely on upfront payment for multi-month plans rather than traditional 24-month installment agreements[6][5].
Most 24-month contracts require good credit and may include additional promotions, such as credits for bill payments or coverage of early termination fees. If you end early, the remaining phone balance typically becomes due immediately[7].
Leave a Reply