Buy your next phone for less

Unlocked phone or carrier deal?

Carrier deals spread the phone's price over 36 months and cancel each payment with a bill credit, as long as you keep a qualifying plan. That plan is usually one of the carrier's most expensive. An unlocked phone costs more up front, but you can pair it with any plan, including a budget plan from $25 a month.

The fair comparison is the total cost over 36 months: phone plus plan. Our guide unlocked vs. carrier phone walks through the math with an example.

Five ways to pay less for a phone

1. Buy last year's model. When a new generation launches, the previous one drops in price.
2. Compare unlocked prices across the manufacturer, big-box stores and marketplaces.
3. Sell or trade in your old phone, and compare the carrier's trade-in value with what you would get selling it yourself.
4. Switch carriers with a deal only if you plan to stay for the full term; leaving early makes the remaining balance due.
5. Keep your phone longer. A new battery is far cheaper than a new phone, and most phones get software updates for years.

Check before you buy

• The model number matches the US version (for 5G bands and warranty).
• The listing says "unlocked", not locked to a specific carrier.
• The return policy, especially on marketplaces.

Frequently asked questions