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What phone are you trying to upgrade to?
Some higher end phones still have a down payment no matter how long
you've been with Tmobile.
Thanks for joining our Support Community to get a little more info on Smartphone Equality. As gramps28 mentioned, some of our devices don't have $0 down options available. I'm curious as well, what type of phone are you wanting to upgrade to? Are you looking at an iPhone 7 Plus or 8 Plus?
Just checking in to see if you need some further help. Please reply back and let us know if you need more assistance. Thanks!