Sprint Easy Pay Review and Credit Requirements – A Good Deal?

By Kevin / October 22, 2014

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If you want to get a new tablet or phone with Sprint and pay over time, the Sprint Easy Pay program may be just what you’re looking for. Using Easy Pay, you can get a new device with a down payment and 24 monthly installments.

This program replaced the One Up plan this year as a new way for customers to upgrade early to a new device. Before you get started, here is what you need to know.

Editor’s Note: Sprint Now Offers a leasing program that includes frequent upgrades in addition to Easy Pay. Click here to read a comparison of these two programs.

What is Sprint Easy Pay?

With Sprint Easy Pay, you can upgrade to a new device whenever you want (as long as you have paid the remaining balance on your current device) and pay for it with a down payment and then 24 monthly installments. Your out-of-pocket costs paid at purchase include the full sales tax on the retail price and the down payment.

There are upgrade or activation fees when you purchase a device through Sprint Easy Pay as well. The standard $36 activation or upgrade fee will be applied to your first invoice.

Once you upgrade your phone or tablet with Easy Pay, you can keep your paid-off device or sell it back to Sprint through their buyback program. Depending on the type of device you are selling, you can get a credit of up to $300+.

Wondering what you can get for selling your phone back? Here are some examples of current buyback prices:

  • Apple iPad 2 16GB AT&T: $95
  • Apple iPad 3 64GB AT&T: $144
  • Apple iPhone 4 8GB black Sprint: $28
  • Apple iPhone 5C 16GB blue Sprint: $210
  • HTC One M8 T-Mobile: $250
  • Kindle Fire HD 8.9″ 4G 64GB: $40
  • LG G Flex D959: $160
  • Microsoft Surface Pro 2 512 GB: $349
  • Nokia Lumia Icon: $149

You can to see a full list of eligible devices and buyback prices here.

To be eligible for Easy Pay, you can be a new customer or an existing customer. If you are already a customer, you need to visit Sprint.com/Upgrade to see details on switching. Prepaid Sprint plans are not eligible for Easy Pay.

Upgrading a Device

Sprint offers an Early Upgrade option if you are buying or upgrading a phone through Easy Pay and you have a qualifying plan. You can add this option for $5 per month per line onto a Sprint Simply Unlimited Plan within 30 days of activating or buying your phone. Once you have paid the $5 charge for 12 months (a total of $60), you can upgrade to a new phone through Easy Pay, but you will need to give back your current phone.

If you do not want to use the Early Upgrade option, you can upgrade your smartphone when you have paid off the balance on your current phone, and then decide if you want to keep the phone or sell it back to Sprint.

How it Compares to Family Plans

Interestingly, Sprint said that Easy Pay will only be available for a “limited time,” but did not say for how long. Keep in mind Sprint ended up dropping the similar One Up program just four months after it was launched. Sprint is trying to push customers toward its “Framily” plan instead, which allows you to add non-relatives on up to 10 lines to save money. If you choose a Framily plan, you still have the option of upgrading your phone early, but you will need to pay for unlimited data.

Right now, Framily plans start at $55 a month for unlimited text, talk and 1GB of data. The price drops $5 per month for each person who joins the plan for a maximum discount of $30. If you choose annual upgrades, unlimited data is $20 per line.

Sprint Easy Pay Credit Requirements

Sprint does not require credit checks for an early upgrade option, if you want to buy a Certified Pre-Owned phone at full retail price or bring your own device to a plan. Easy Pay does require a credit check, however, and signing up will move you to a new account.

It seems there are no credit requirements to actually sign up for Easy Pay, but you may have a larger down payment necessary if you have bad credit of less than 640 or so. You will also be required to pay a down payment if you are purchasing a tablet and have subprime credit. Along with your credit, the down payment required will depend on the smartphone, tablet or feature phone you choose.

Shop Sprint Easy Pay and Certified Pre-Owned Phones Here

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