You have to wait 2 billing cycles, then you can pay it off and have have at&t unlock it.
I plan on doing the same since my plan was to buy the phone outright. I know its 0% interest but I hate having the extra monthly charge on my phone bill
Yes I do. I have been debt free for many years. I am the type that pays my credit card balance in full each month. Any monthly recurring bills I can avoid I do so.
My bill was $98 a month 128gb ads $47 a month and I'm not paying $600 in 12 months and giving the phone back so I would rather pay it off and sell it. If I don't put the money from the 5s on it ill spend it and have to come up with it next year anyway
When I paid it off online it didnt show an option for a partial payment. It may be different in store but online it just gave me the option to pay in full.
I think you get a second option after the second installment where you pay the remaining 12-month or 18-month balance to become eligible for an upgrade (not paying the phone in full, this would leave 8 payments left). I've seen a few mentions of it.. but haven't actually confirmed this myself.