T-Mobile launches $0-down phone financing plan with 3-year commitment as critics warn of hidden costs

T-Mobile's new EIP Flex 36 plan lets qualifying customers finance a phone with zero upfront cost but extends the device commitment to three years, sparking concerns about long-term costs and customer lock-in.

• T-Mobile’s new financing plan sounds great until you realize what it’s preparing you for
• The AI memory shortage reached your phone bill, so T-Mobile will let you pay it off slower
• T-Mobile’s $0-down financing plan bundles taxes and fees
• T-Mobile Adds Financing for New Phone Fees to Sweeten Upgrades