[scarface74]

It’s financing at 0%. Why pay cash?

[auiya]

Not exactly. In many plans the cost of the phone is higher via financing than upfront purchase.

[scarface74]

All four of the major carriers and Apple offer 0% interest loans on phones.

At least with T-mobile. Even if you have horrible credit as long as you pay your bill on time with them for 12 months, you are eligible for a no interest phone loan.