One of my family member's has a contract with T-Mobile, so his minutes/texts and data usage are paid for, but he's got a crappy (no offense) old Android phone and I want to purchase an iPhone 6 as a gift. I'm a Verizon customer so I'm clueless as to how T-Mobile operates. I'd like to purchase the phone off contract for him (should make things easier), how does T-Mobile's payment system work? I know there's a "no money down" option, but can I voluntarily put down around $200 for the device and go from there? Would that lower the monthly payments on the device? Obviously with his plan taken care of by his company, I would only be responsible for monthly payments on the device itself, until it is fully paid off, correct? And if I am able to put down $200 on the device itself, or maybe even $300, what would the monthly payments be?