Happy Saturday, cmlimbrick!
From time to time, we have different promotions running. I recommend checking the current pricing here: iPhone 6s | Apple iPhone 6s Reviews, Tech Specs & More | T-Mobile. You can also select your credit type to get a better idea of what the down payment + monthly installment plan would be. Keep in mind that we also have certified pre-owned iPhone 6s' available online.
Let me know if you have any other questions!
The bottom line is - IF you have absolutely NO credit, either good or bad -- it would be 100% down or close to it.