Let's say you finance a device that required a down payment. After 24 months you pay off the device and pay just for the service. Does upgrading to a new version of the phone require a new down payment or is it a free upgrade? Not talking about Jump! here, just normal TMobile One service and using the EIP to finance the device.
Down payments depend on your credit worthiness and device cost.
Hypothetically, after 24 months, you can get a device with 0 down payment, provided it's within your credit limit.
Either way, the total cost over 24 months is the same -- down payment is removed from your monthly payments (just like when financing a home or car).
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