Their monthly payment system is definitely different. They are offering the SE 2020 for 50% off with trade in. I inquired about it, and they pretty much said that you'd have to stick it out with the credits for 2 years, and if you choose to pay it off early, you'd have to pay the original price ($399 or regular payments are $16.67 a month) for at least two months and you can pay it upfront after that. So basically, they don't factor in the amount after the trade ins are applied like Verizon or AT&T do. For instance, if you get 50% off on ATT or VZW, it'd be $199 and if you make two months of payments that'd be around $179 and you can pay that amount off. Instead, they make you pay for it with the original retail price up front and then apply the credits toward the amount of your bill.