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Sweet Pay is our new payment program that breaks the cost of your new phone or tablet down to 24 monthly payments at 0% APR.


Sweet Pay is our new payment program that breaks the cost of your new phone or tablet down to 24 affordable monthly payments at 0% APR.

You’ve got questions? We're here to help! Get the answers to your questions about Sweet Pay.

  • What is Sweet Pay?

    The simple way Members get a new smartphone or tablet. Sweet Pay gets Members a new device for as low as $0 down with a 24-month agreement. Members then pay off the retail price of their device plus tax over 24 months with 0% interest (APR). While many devices will not require a down payment, some higher end devices may require one.

  • Who is eligible for Sweet Pay?

    New Members pending credit approval process. Existing Members with accounts in good standing.

  • Can I upgrade my phone on Sweet Pay?

    You can upgrade to a new phone on Sweet Pay.

  • What do I have to pay when I purchase my new phone or tablet?

    For many devices, the retail price of the device plus tax will be paid over 24 months with 0% interest (APR), and you will not have to pay anything upfront at the time of purchase.

    However, some higher-end devices require a down payment. If your new device does, then you need to pay it at the time of purchase, as well as taxes on the down payment.

  • What happens at the end of my 24-month agreement?

    After 24 months, the monthly device payment drops off and you only pay for the monthly rate plan along with any other services, plus tax.

  • How are taxes charged with Sweet Pay?

    Taxes are charged on the retail price of the device and paid off in equal monthly payments over 24 months.

    If there is a required down payment, taxes payable on the down payment will be due at time of purchase. The remaining taxes will be paid off in equal monthly payments over 24 months.

  • Is Sweet Pay available on all rate plan types?

    You will be able to pair your Sweet Pay device with all Data, Talk & Text plans. Select phones may also be available on Talk & Text Plans.

  • Can I trade-in my device purchase through Sweet Pay?

    You can take advantage of the Trade-In Certificate Program and Sweet Pay at the same time.

  • Is SmartCare available with Sweet Pay?

    If you purchase your device with Sweet Pay, you can also add SmartCare to your plan. SmartCare gives you peace of mind knowing your phone will be protected for problems beyond manufacturer’s warranty, and if lost or stolen. A device replaced through SmartCare does not impact your agreement term or monthly device payment

  • Can a Member pay off their Sweet Pay balance at any time?

    Members can arrange to make a lump sum payment of their Sweet Pay smartphone balance at any time. After the Sweet Pay balance is paid, the Member may cancel or migrate their rate plan at any time.

  • What happens if I end my Sweet Pay agreement before the 24 months are done?

    If you end your Service Agreement early or you change your plan to a non-eligible plan, you will have to pay an early exit charge. The early exit charge consists of your remaining device payments, and the remaining balance on your Agreement Credit (plus applicable taxes) if you received one at the time of purchase.