Equipment Installment Plan (EIP)

    The Equipment Installment Plan (EIP) is a payment option available for new and existing qualified customers on selected rate plans. This plan allows you to purchase a new phone or device with monthly payments. A minimum purchase is required.



    EIP eligibility for phones and devices

    Find out if you're eligible for EIP and what your down payment and monthly installments might be.


    1. Go to My T-Mobile and log in to your account.
    2. Select SHOP.
    3. The Upgrade your device section has the eligibility status for the selected line. If eligible, you can select UPGRADE.
    4. Follow the onscreen prompts to shop for a new device and to view the payment options.


    After the down payment, the remaining balance is divided into 24 installment payments as part of your monthly bill. The EIP requires a 24-month financing agreement that you sign at the time of the activation or upgrade. Although this finance agreement is required, you can pay off all or part of your EIP balance at any time.


    Keep in mind, if you make an extra payment on your regular monthly bill, it does not apply to any outstanding EIP installments. Instead, you'll have a credit balance on your next bill.


    We may require a down payment when you purchase a new device. If you want to make a larger down payment, you need to purchase your phone through T-Mobile Customer Service or at a T-Mobile retail store.


    Things to keep in mind:

    • The down payment amount doesn't appear on your bill.
    • The option of making a larger down payment isn't available when upgrading with EIP on our website.
    • Prepaid plans and certain rate plans, account types, and business accounts aren't eligible for EIPs.
    • Certain credit restrictions may apply.
    • If you have a current Extended Payment Schedule, you're not eligible for EIP until that is paid off.
    • If you cancel your T-Mobile wireless service before paying off your EIP balance, the remaining balance of your EIP will become due on cancellation.



    EIP for accessories

    Besides using the EIP program for purchasing a phone or device, you can also use it to purchase accessories, as long as:

    • You have met the minimum total purchase price of $69.99 to be eligible for an EIP.
    • Purchases made through our online store may be eligible for EIPs when you check out with at least $69.99 in accessories AND a new line of service.


    We might require a down payment for certain purchases, such as a total accessory purchase of more than $250 (after discount, per line, per transaction).



    EIP payments

    You can make an EIP payment or see your EIP balance several ways:


    From your mobile device with the T-Mobile app

    1. Open the app. If you don't have it, download it now.
    2. Select Billing & Payments.
    3. Select Pay or View Device Balance.
    4. In Active Equipment Installment Plans (EIP), you can view your EIP balance.
    5. Select MAKE A PAYMENT and follow the onscreen steps to pay part or all of the balance.


    From your computer

    1. Go to My T-Mobile and log in to your account.
    2. Select Billing.
    3. Scroll down to the Equipment Installment Plan (EIP) tile.
    4. Select View Details.
    5. Select the + next to the device or accessory. Select Make a Payment.
    6. Enter the payment amount and payment details. Select Next.
    7. Review payment information.
    8. If you agree, select "I agree to terms and conditions."
    9. Select Submit.


    Before you make an extra EIP payment, we suggest you make a note of the amount due; this amount is still due for your regular monthly service. The extra EIP payment applies at the end of your bill cycle. This payment creates an offsetting charge on the following bill and the net result is a reduction of your EIP balance by that amount. Your extra payments do not reduce your monthly installment; instead, they reduce the number of installments left to pay.