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Re: Prepayment of Some Lease Payments You're right, it really would be nice to have a different way to pay devices off early. Once your account has a zero balance (so after your bill is paid) you can make payments to the EIP balance.
You can pay off or upgrade the “buy one” device as soon as the bill credits start on the second device (the get one device) and you will still keep your BOGO credits. However, if you pay off or do an early upgrade for the second (the get one device), you lose any remaining BOGO credits.
If you're interested in taking advantage of one of Verizon's many deals and need to make payments on your device, go for it! Verizon's monthly installment plan is pretty straightforward: they give you 24 months to pay off your device, and once you've paid your phone down by 50%, you have the option to upgrade early.
Carrier's Early Termination Fee or remaining device balance, including lease purchase option, up to $650, paid via (1) trade-in credit on bill and (2) virtual prepaid MasterCard® Card (expires in 6 months) typically within 8 weeks.
You can pay off or upgrade the “buy one” device as soon as the bill credits start on the second device (the get one device) and you will still keep your BOGO credits. However, if you pay off or do an early upgrade for the second (the get one device), you lose any remaining BOGO credits.
It's not a rule that paying the phone off will save you money, but it's a good guideline for old contracted plans. I agree that most and larger savings happen on pay as you go and/or other carriers. Single lines on large carriers tend to be more expensive. That's just the way things go.
The iPhone Payments plan is a loan financing program that lets you make monthly payments across 24 months on an iPhone. Even if you get rid of the iPhone a year or the day after you've made your final payment, you must pay the full amount (though you can pay the loan off early).
Upgrading early Assuming you don't upgrade, your phone will be paid off after the full two years of payments. If you want to upgrade earlier than the twelve-month period, you have the option of making advance payments at the six-month mark in order to have paid off the equivalent of twelve repayments.
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