T-Mobile's 36-Month Financing Lowers Monthly Cost, Lengthens Carrier Lock-In

T-Mobile launched EIP Flex 36, extending zero-down interest-free device financing from 24 to 36 months for well-qualified customers on phones, watches, and tablets. Longer amortization lowers monthly payments but leaves larger remaining balances at upgrade time and extends the effective carrier lock-in period. The plan stacks with trade-in credits and device promotions.