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Phone leasing agreements Once the leasing term is up, you can either swap the old phone for a newer one (at likely a more expensive leasing cost), pay off the remaining cost of the phone immediately to own it outright, or switch to an installment plan to pay off the remaining cost that way.

You will need your routing number and account info for an active checking account. You must be 18 years or older with a valid social security number or ITIN and have a credit or debit card.

End of Lease turn-in If you decide not to keep the phone, you must turn it in at a T-Mobile store. You can then decide to start a new lease on a new phone, or talk with our team about other upgrade options, such as an Equipment Installment Plan (EIP).

Mobile does a hard credit check on new customers for many of their products and services. Mobile does not specify a minimum qualifying credit score, but generally, you need to have a credit score above 600 to qualify for a monthly plan with any phone carrier.

You get an upfront discount on the cost of a new flagship phone but you have to bring the phone back in ?good working condition? at the end of two years else pay a (often hefty) fee to buy the phone off of the carrier at the end of your two year contract.