T-Mobile rolls out zero-down 36-month financing that includes taxes and fees

T-Mobile announced a fresh financing product called Equipment Installment Plan Flex 36, which extends its zero-interest financing to a 36-month term. The scheme allows eligible users to finance the cost of a handset, smartwatch or tablet together with associated taxes, activation fees and any required down payment, all without an initial payment. The offer is limited to “well-qualified” customers and carries a 0% annual percentage rate for a short promotional window, though the exact expiry is unspecified.

Customers can still combine the plan with the carrier’s existing device promotions, and a new Student Perks tier has been introduced at $30 per line when autopay is enabled. T-Mobile has not clarified the cost for customers who do not meet the qualification criteria, and a request for further information has not yet been answered.