A great deal depends on the cost of the phone you are trying to purchase. Which phone are you speaking of?
Hey there! I know the feeling. I am an employee and I personally have pretty awesome credit. I got the iPhone XS Max 256 GB and had to drop almost $500 down. The reason is that the phones are getting more and more expensive every year. At one point, the phones were at a price where we could break up the entire cost over 24 months and the buyer only had to pay the taxes up front. Skip a head a few years and those phones now cost 300 - 400 more than what they used to.
The good news is that we often offer promotions on new devices to help ease the burden of the total price of the phone either with trade in credits or add a line promotions.