{"id":20415,"date":"2025-05-29T11:03:51","date_gmt":"2025-05-29T11:03:51","guid":{"rendered":"https:\/\/www.bankmycell.com\/blog\/?p=20415"},"modified":"2026-02-03T12:18:40","modified_gmt":"2026-02-03T12:18:40","slug":"can-you-trade-in-phone-thats-not-paid-off","status":"publish","type":"post","link":"https:\/\/www.bankmycell.com\/blog\/can-you-trade-in-a-phone-thats-not-paid-off","title":{"rendered":"Can You Trade In a Phone That Isn&#8217;t Paid Off? Complete Buyer&#8217;s Guide"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row type=&#8221;vc_default&#8221; gap=&#8221;10&#8243;][vc_column css=&#8221;.vc_custom_1714927007895{margin-top: 40px !important;}&#8221;][vc_custom_heading text=&#8221;Can You Trade In a Phone That Isn&#8217;t Paid Off? Complete Buyer&#8217;s Guide&#8221; font_container=&#8221;tag:h1|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.dt-breadcrumbs-id-fd6abfaeaf3f3fb6c32bc56f25f39ed2 .breadcrumbs {\n  display: inline-block;\n  margin: 0;\n  padding: 2px 10px 10px 0px;\n  border: 0px solid ;\n  border-radius: 0px;\n}\n.dt-breadcrumbs-id-fd6abfaeaf3f3fb6c32bc56f25f39ed2 .breadcrumbs * {\n  color: #a2a5a6;\n}<\/style><div class=\"dt-breadcrumbs-shortcode dt-breadcrumbs-id-fd6abfaeaf3f3fb6c32bc56f25f39ed2 align-left\"><div class=\"assistive-text\">You are here:<\/div><ol class=\"breadcrumbs text-small\" itemscope itemtype=\"https:\/\/schema.org\/BreadcrumbList\"><li itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/ListItem\"><a itemprop=\"item\" href=\"https:\/\/www.bankmycell.com\/blog\/\" title=\"Home\"><span 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none;\n}\n.icon-with-text-shortcode.icon-text-id-6fce21762ab41d9c77393e722287c76d.layout-1 {\n  grid-template-columns: 60px minmax(0,1fr);\n  grid-column-gap: 0px;\n}\n.icon-with-text-shortcode.icon-text-id-6fce21762ab41d9c77393e722287c76d.layout-2 {\n  grid-template-columns: minmax(0,1fr) 60px;\n  grid-column-gap: 0px;\n}\n.icon-with-text-shortcode.icon-text-id-6fce21762ab41d9c77393e722287c76d.layout-2 .text-icon {\n  margin-left: 0;\n}\n.icon-with-text-shortcode.icon-text-id-6fce21762ab41d9c77393e722287c76d.layout-3 {\n  grid-template-columns: 60px minmax(0,1fr);\n}\n.icon-with-text-shortcode.icon-text-id-6fce21762ab41d9c77393e722287c76d.layout-3 .dt-text-title {\n  margin-left: 0px;\n}\n.icon-with-text-shortcode.icon-text-id-6fce21762ab41d9c77393e722287c76d .dt-text-title,\n.icon-with-text-shortcode.icon-text-id-6fce21762ab41d9c77393e722287c76d .dt-text-title a {\n  font-size: 28px;\n  font-weight: bold;\n}\n.icon-with-text-shortcode.icon-text-id-6fce21762ab41d9c77393e722287c76d .dt-text-title {\n  margin-bottom: 0px;\n}\n.icon-with-text-shortcode.icon-text-id-6fce21762ab41d9c77393e722287c76d .dt-text-desc {\n  margin-bottom: 0px;\n}<\/style><div class=\"icon-with-text-shortcode  icon-text-id-6fce21762ab41d9c77393e722287c76d layout-3  vc_custom_1751340750625 \" ><span   class=\"text-icon dt-icon-bg-off dt-icon-hover-off\" ><span class=\"icon-inner\"><i class=\"dt-regular-icon soc-icon icomoon-the7-font-the7-clock-00\"><\/i><i class=\"dt-hover-icon soc-icon icomoon-the7-font-the7-clock-00\"><\/i><\/span><\/span><h2 class=\"dt-text-title\"  >60-Second Summary<\/h2><\/div>[vc_column_text css=&#8221;&#8221;]<strong>Can You Trade In An Unpaid For Phone? Yes. Although, you must pay off the balance first<\/strong>. Your phone is collateral against your monthly payments until the device is fully paid. Trading your device before settling your account is illegal and can get your credit score affected and your device blacklisted.<\/p>\n<h2>Four Safe Ways To Upgrade<\/h2>\n<p>[\/vc_column_text]<div class=\"standard-number-list bullet-top\"><h4>1. <a href=\"#pay-off-first\">Pay Off First<\/a> &#x2705; Most Secure<\/h4>\n<ul>\n<li>Call carrier to find out your exact payoff amount<\/li>\n<li>Pay off remaining balance in full<\/li>\n<li>Trade it anywhere for the full value<\/li>\n<li><strong>Compare deals with BankMyCell comparison tool to get best payout and even cover balance remaining<\/strong><\/li>\n<\/ul>\n<h4>2. <a href=\"#carrier-programs\">Carrier Upgrade Programs<\/a> &#x2705; Safe &amp; Secure<\/h4>\n<ul>\n<li><strong>Verizon Unlimited Upgrade Program<\/strong> &#8211; upgrade with no interest and after just 50% of your balance paid<\/li>\n<li><strong>AT&amp;T Next Up Program<\/strong> &#8211; $5\/month for early upgrades<\/li>\n<li><strong>T-Mobile Jump! Upgrade Program<\/strong> &#8211; after just 50% of your balance is paid off<\/li>\n<li><strong>Apple iPhone Upgrade Program<\/strong> &#8211; monthly payments with annual upgrades<\/li>\n<\/ul>\n<h4>3. <a href=\"#sell-strategy\">Sell Then Pay Off Remaining<\/a> &#x26a0;&#xfe0f; Timing Sensitive<\/h4>\n<ul>\n<li>Check your market quote with a <a href=\"http:\/\/sell-strategy\">buyback service<\/a><\/li>\n<li>Ensure that your sale price is above your remaining balance<\/li>\n<li>Pay the carrier the day of the sale<\/li>\n<li><strong>Get free instant quotes from BankMyCell to be sure you won\u2019t lose money first<\/strong><\/li>\n<\/ul>\n<h4>4. <a href=\"#third-party-risks\">Third-Party Buyback<\/a> &#x26a0;&#xfe0f; Risky<\/h4>\n<ul>\n<li>Some buyback services will accept your financed device<\/li>\n<li><strong>Be aware that you are still on the hook for your payments<\/strong><\/li>\n<li>Device will be blacklisted if you miss payments<\/li>\n<li>Potential to damage credit score<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<h3>Things To Avoid<\/h3>\n<p><strong>Phone Blacklisting: <\/strong> The device will no longer work for cellular data, calls, and texts <strong>Credit Score Damage:<\/strong> Default information stays on your report for 7 years<br \/>\n<strong>Criminal Consequences:<\/strong> Selling your device without telling the carrier can be fraud <strong>Seller&#8217;s Responsibility:<\/strong> The original purchaser remains liable<\/p>\n<h3><a href=\"#carrier-policies\">Carrier Upgrade Policies<\/a><\/h3>\n<p><strong>Verizon: <\/strong> The device will automatically unlock after 60 days but is eligible to be traded in once the balance is paid in full <strong>AT&amp;T:<\/strong> The device is not unlocked until paid in full but can receive bill credit promotions <strong>T-Mobile:<\/strong> Device unlocking is less strict, several upgrade programs <strong>Apple:<\/strong> Independent upgrade program, eligible for annual upgrades[\/vc_column_text]<div class=\"standard-number-list bullet-top\"><h2>Safest Upgrade Strategies<\/h2>\n<ol>\n<li><strong><a href=\"#complete-payment\">Complete Device Payment<\/a><\/strong> &#8211; the best way to cover all your bases<\/li>\n<li><strong><a href=\"#refinance-options\">Refinancing the Device<\/a><\/strong> &#8211; monthly payments are reduced<\/li>\n<li><strong><a href=\"#keep-longer\">Keep Your Current iPhone<\/a><\/strong> &#8211; keep for 5-7 years with software support<\/li>\n<li><strong><a href=\"#private-sale\">Private Sale After Complete Payment<\/a><\/strong> &#8211; get top dollar return<\/li>\n<\/ol>\n<\/div>[vc_column_text css=&#8221;&#8221;]<strong>Bottom Line: <\/strong>The best practice for the safest phone upgrade is to either fully pay off your device or use your carrier&#8217;s recommended early upgrade program. It also means you don&#8217;t run the risk of any legal entanglements or complications with the carrier since you paid off your device. If you sell your device to a third party before clearing your account, it is still your responsibility to cover the monthly payment. Is your phone on a monthly payment plan and you want to sell it for the maximum possible amount? BankMyCell accepts all phones that are on any kind of payment plan. Safely compare offers from verified and trusted buyback companies, with free shipping and receive the best offer so that you can put more money towards your next iPhone.[\/vc_column_text]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">#default-btn-3e5d9870c34e6401c2b00f65297317d5 {\n  border-radius: 5px;\n  font-size: 16px;\n  line-height: 18px;\n}\n.btn-shadow#default-btn-3e5d9870c34e6401c2b00f65297317d5 {\n  box-shadow: 0 1px 6px rgba(0,0,0,0.12);\n  transition: box-shadow 0.2s ease-out, opacity 0.45s;\n}\n.btn-shadow#default-btn-3e5d9870c34e6401c2b00f65297317d5:hover {\n  box-shadow: 0 5px 11px 0 rgba(0,0,0,0.18), 0 4px 15px 0 rgba(0,0,0,0.15);\n}\n.btn-3d#default-btn-3e5d9870c34e6401c2b00f65297317d5 {\n  box-shadow: 0px 2px 0px 0px #1a3265;\n}\n.btn-3d#default-btn-3e5d9870c34e6401c2b00f65297317d5:hover {\n  box-shadow: 0px 2px 0px 0px #1d2837;\n}\n.btn-flat#default-btn-3e5d9870c34e6401c2b00f65297317d5 {\n  box-shadow: none;\n}\n.btn-flat#default-btn-3e5d9870c34e6401c2b00f65297317d5:hover {\n  box-shadow: none;\n}\n#default-btn-3e5d9870c34e6401c2b00f65297317d5.ico-right-side > i {\n  margin-right: 0px;\n  margin-left: 8px;\n}\n#default-btn-3e5d9870c34e6401c2b00f65297317d5 > i {\n  margin-right: 8px;\n  font-size: 10px;\n}\n#default-btn-3e5d9870c34e6401c2b00f65297317d5:not(:hover) {\n  border-width: 0px;\n  background: #1444A8 !important;\n  padding: 18px 18px 18px 18px;\n}\n#default-btn-3e5d9870c34e6401c2b00f65297317d5:hover {\n  border-width: 0px;\n  background: #24436E !important;\n  padding: 18px 18px 18px 18px;\n}\n#default-btn-3e5d9870c34e6401c2b00f65297317d5.ico-right-side > i {\n  margin-right: 0px;\n  margin-left: 8px;\n}\n#default-btn-3e5d9870c34e6401c2b00f65297317d5 > i {\n  margin-right: 8px;\n}<\/style><div class=\"btn-align-center\"><a href=\"#pay-off-first\" class=\"default-btn-shortcode dt-btn link-hover-off ico-right-side full-width-btn btn-flat  vc_custom_1755686094264\" id=\"default-btn-3e5d9870c34e6401c2b00f65297317d5\"><span>STEP BY STEP GUIDE<\/span><i class=\"icomoon-the7-font-the7-arrow-07\"><\/i><\/a><\/div><style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">#default-btn-ac990cb79be8955e913dfe521d7ba214.ico-right-side > i {\n  margin-right: 0px;\n  margin-left: 8px;\n}\n#default-btn-ac990cb79be8955e913dfe521d7ba214 > i {\n  margin-right: 8px;\n}<\/style><div class=\"btn-align-center\"><a href=\"https:\/\/www.bankmycell.com\/sell\/cell-phones\" class=\"default-btn-shortcode dt-btn dt-btn-l link-hover-off ico-right-side full-width-btn  vc_custom_1755785558812\" id=\"default-btn-ac990cb79be8955e913dfe521d7ba214\"><span>SELL PHONES (BEST TRADE-IN DEALS)<\/span><i class=\"Defaults-chevron-right\"><\/i><\/a><\/div>[\/vc_column][\/vc_row][vc_row type=&#8221;vc_default&#8221;][vc_column][vc_single_image image=&#8221;20479&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; css=&#8221;&#8221; image_hovers=&#8221;false&#8221; link=&#8221;https:\/\/www.bankmycell.com\/sell\/iphones&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-pm-slice=\"1 1 []\"><strong>Disclaimer:<\/strong> You <a href=\"https:\/\/www.bankmycell.com\/blog\/sell-financed-phones-under-contract\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">can sell financed iPhones<\/a>, but you are still responsible for the finance payments. The sale does not end your responsibility to continue your contract payments. Always check your carrier&#8217;s terms if you are not clear.<\/p>\n<p>[\/vc_column_text][vc_raw_html css=&#8221;&#8221;]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[\/vc_raw_html]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">#default-btn-2cd0f41116cfdd246d233880ac54d68d.ico-right-side > i {\n  margin-right: 0px;\n  margin-left: 8px;\n}\n#default-btn-2cd0f41116cfdd246d233880ac54d68d > i {\n  margin-right: 8px;\n}<\/style><div class=\"btn-align-center\"><a href=\"https:\/\/www.bankmycell.com\/sell\/iphones\" class=\"default-btn-shortcode dt-btn dt-btn-l link-hover-off ico-right-side full-width-btn  vc_custom_1748843467704\" id=\"default-btn-2cd0f41116cfdd246d233880ac54d68d\"><span>SHOW ALL iPHONE MODELS<\/span><i class=\"icomoon-the7-font-the7-arrow-07\"><\/i><\/a><\/div>[vc_single_image image=&#8221;15710&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; image_hovers=&#8221;false&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"text-align: center;\"><strong>Data Source:<\/strong> BankMyCell <strong>compares over 100,000+ quotes<\/strong> and <strong>customer reviews<\/strong> from <strong>20+ trusted buyback stores<\/strong> <span style=\"text-decoration: underline;\">every 15 minutes<\/span> via our data feeds, making us America&#8217;s #1 time-saving trade-in supermarket.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=&#8221;vc_default&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1749011273722{padding: 15px !important;background-color: #F6F8FF !important;border-radius: 10px !important;}&#8221; el_class=&#8221;menubox&#8221;][vc_column][vc_custom_heading text=&#8221;What you&#8217;ll learn:&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1749012270324{margin-bottom: 20px !important;}&#8221; el_class=&#8221;headsep-margin&#8221;]<div class=\"standard-arrow bullet-top\"><ol>\n<li><a href=\"#pay-off-first\">Legal aspects of trading financed phones<\/a><\/li>\n<li><a href=\"#risks-consequences\">Risks and consequences of early trade-ins<\/a><\/li>\n<li><a href=\"#carrier-policies\">How carriers handle financed phone trade-ins<\/a><\/li>\n<li><a href=\"#best-practices\">Best practices for upgrading before payoff<\/a><\/li>\n<li><a href=\"#alternatives\">Alternative options and recommendations<\/a><\/li>\n<\/ol>\n<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]Trading in a phone you haven&#8217;t finished paying off depends on your carrier and your personal situation but usually requires paying off your remaining balance first. The Answer<\/p>\n<p>The short answer is: The ability to trade in your device depends on your specific situation and carrier but generally requires paying off any outstanding balance first.<\/p>\n<p>Buying an iPhone through a carrier financing plan or installment agreement means you&#8217;re obtaining a loan for the device. You have a payment plan through the carrier to pay the phone off over 24-36 months but must complete all payments before you gain full ownership of the device.<\/p>\n<p>This means:<\/p>\n<div class=\"standard-arrow bullet-top\"><ul>\n<li>Your iPhone remains &#8220;under contract&#8221; until you complete all payments.<\/li>\n<li>The carrier retains financial stakes in your device until you complete all payments.<\/li>\n<li>The payment plan contract details permissible activities and restrictions for the device during its financing period.<\/li>\n<\/ul>\n<\/div>[vc_single_image image=&#8221;21167&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; css=&#8221;&#8221; image_hovers=&#8221;false&#8221; link=&#8221;https:\/\/www.bankmycell.com\/sell\/iphones&#8221;][vc_column_text css=&#8221;&#8221;]Think about it:<\/p>\n<p>Can you sell your car through a bank when you haven&#8217;t completed your payments? Your financed phone operates under similar rules when determining its trade-in value.<\/p>\n<p>You can upgrade or trade your device before full payment through legitimate methods, which this guide will discuss.<\/p>\n<p>You want to upgrade your iPhone but are still paying off your current device.<\/p>\n<p><a href=\"https:\/\/www.bankmycell.com\/\">BankMyCell<\/a> enables users to compare buyback values from reputable stores to maximize their return and possibly settle their remaining balance.<\/p>\n<p>Four trade-in options exist when you want to exchange a phone that you haven&#8217;t finished paying off.<\/p>\n<p>If you want to<a href=\"https:\/\/www.bankmycell.com\/blog\/can-you-trade-in-a-phone-thats-not-paid-off\"> trade in a phone<\/a> with an outstanding balance you typically have four possible options available to you.[\/vc_column_text][vc_custom_heading text=&#8221;1. Pay Off the Balance First&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;pay-off-first&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Clearing the remaining balance on your iPhone before selling it represents the most direct and secure option.<\/p>\n<p>Here&#8217;s how to do it:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Reach out to your carrier to determine how much you need to pay off your balance.<\/li>\n<li>Pay the remaining balance in full<\/li>\n<li>After your device reaches payoff status you can trade it in at any location to receive its full trade-in value<\/li>\n<li>Apply the trade-in credit to the purchase of your next device.<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Following this method lets you prevent any contract breaches and credit problems. You must have enough available funds to settle your remaining balance.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;2. Take advantage of your carrier&#8217;s Trade-In Program to upgrade your device before fully paying it off.&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;carrier-programs&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Major carriers design trade-in programs to benefit customers who wish to upgrade to new devices before their existing ones are fully paid off.<\/p>\n<p>There are generally two methods of operation for these trade-in programs.<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Through this trade-in option, you can exchange your old device for a new phone while having the outstanding balance either eliminated or transferred to your new payment plan.<\/li>\n<li>Make a partial payment of your remaining balance, typically 50%, to qualify for a device upgrade.<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The main carrier trade-in programs include:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Verizon&#8217;s Annual Upgrade Program<\/li>\n<li>AT&amp;T&#8217;s Next Up<\/li>\n<li>T-Mobile&#8217;s Jump! and Jump! On Demand<\/li>\n<li>Apple&#8217;s iPhone Upgrade Program<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]These programs provide the safest method to <a href=\"https:\/\/www.bankmycell.com\/blog\/can-you-upgrade-phone-before-paid-off\">upgrade your device before<\/a> finishing your payment plan because they are tailored to this function without breaching your contract terms. The amount of trade-in credit that each promotion offers varies based on the specific model of your device.[\/vc_column_text][vc_custom_heading text=&#8221;3. Use the money from selling your iPhone to settle your outstanding balance with the service provider.&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;sell-strategy&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>You can sell your iPhone to someone else and then apply the money received to settle your carrier balance.<\/p>\n<p>Here&#8217;s how this process works:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-number-list list-divider bullet-top\"><ul>\n<li>Request a price for your iPhone through a buyback service or market platform to establish its current market value<\/li>\n<li>Once you receive an offer that is higher than your remaining balance you should move forward with the sale.<\/li>\n<li>The funds you receive from selling your device should be used to clear your balance with the carrier.<\/li>\n<li>Either save any remaining profit or redirect it towards purchasing your subsequent phone.<\/li>\n<\/ul>\n<\/div>[vc_single_image image=&#8221;21166&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; css=&#8221;&#8221; image_hovers=&#8221;false&#8221; link=&#8221;https:\/\/www.bankmycell.com\/sell\/iphones&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>This strategy tends to succeed when your iPhone&#8217;s market price is higher than your remaining carrier balance which frequently happens with newer phones that are well-maintained or devices with minor screen damage.<\/p>\n<p>But here&#8217;s the truth:<\/p>\n<p>This option requires careful timing and coordination. Before transferring ownership of the device to the buyer you must ensure that the sale proceeds are available to pay off the carrier balance.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;4. Trade In to a Third-Party Buyback Service&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;third-party-risks&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Certain buyback services and retailers including Best Buy allow financed phones as trade-ins but important exceptions apply.<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>The responsibility for any outstanding payments on your carrier account stays with you.<\/li>\n<li>Failing to continue your payments could lead to the device being blacklisted by your carrier.<\/li>\n<li>Once the new owner inserts a SIM card into the device and it becomes blacklisted they will not be able to activate it.<\/li>\n<li>Your credit score could be negatively affected<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The advantage of this method:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>This method lets you receive instant worth from your device.<\/li>\n<li>There are specific buyback services which focus on phones that are still under financing agreements.<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The disadvantage:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>The method exposes users to major financial liabilities and credit score complications.<\/li>\n<li>Engaging in this practice could breach the agreement terms you have with your telecommunications service provider.<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]Find out what your iPhone is worth for trade-in today.<\/p>\n<p><a href=\"https:\/\/www.bankmycell.com\/\">BankMyCell<\/a> enables users to assess offers from reliable buyback vendors for their financed devices.<\/p>\n<p>Selling or trading your financed phone before fully paying it off brings significant risks and consequences for both you and the new owner.<\/p>\n<p>When you trade in or <a href=\"https:\/\/www.bankmycell.com\/blog\/how-to-sell-financed-phone\">sell your financed phone<\/a> without paying the remaining balance, you face serious ownership transfer consequences.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Risks and Consequences&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1749012398059{margin-bottom: 20px !important;border-bottom-width: 5px !important;padding-bottom: 10px !important;border-bottom-style: dotted !important;border-color: #1444A8 !important;}&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;risks-consequences&#8221;][vc_custom_heading text=&#8221;Device Blacklisting&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221;][vc_column_text css=&#8221;&#8221;]Non-payment of your financed iPhone after trading it in will result in your carrier blacklisting the device&#8217;s IMEI number.[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Your service provider may place your IMEI number on the blacklist.<\/li>\n<li>The device will lose access to cellular networks across all major service providers.<\/li>\n<li>The new owner will operate the device using only WiFi connectivity.<\/li>\n<li>The device&#8217;s blacklisting status remains permanent until the outstanding balance is fully paid.<\/li>\n<\/ul>\n<\/div>[vc_custom_heading text=&#8221;Credit Score Impact&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Defaulting on your carrier payment agreement has the potential to harm your credit score.<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Credit bureaus may receive information about any outstanding balance.<\/li>\n<li>Your credit score could drop significantly<\/li>\n<li>A negative credit report mark will stay visible for seven years.<\/li>\n<li>Your ability to secure financing for future devices will probably face restrictions or higher costs.<\/li>\n<\/ul>\n<\/div>[vc_custom_heading text=&#8221;Legal Implications&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Certain situations may result in legal repercussions.<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>If you sell a device that is still under financing without informing the buyer about its current status you <a href=\"https:\/\/www.bankmycell.com\/blog\/is-it-illegal-sell-unpaid-phone\">could be committing fraud.<\/a><\/li>\n<li>The company providing your service may initiate collection activities or take legal measures to recover the outstanding debt.<\/li>\n<li>You could face civil liability if the buyer files a lawsuit against you for selling them a blacklisted device.<\/li>\n<\/ul>\n<\/div>[vc_custom_heading text=&#8221;Ethical Considerations&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The sale of a financed phone brings up ethical issues in addition to legal and financial risks.<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>It&#8217;s unfair and lacks transparency for buyers when sellers fail to reveal that a device is still under financing.<\/li>\n<li>The buyer receives a device that they cannot use because it has been blacklisted.<\/li>\n<li>Other people could lose access to a device they purchased because of your actions<\/li>\n<\/ul>\n<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8221;20480&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; css=&#8221;&#8221; image_hovers=&#8221;false&#8221; link=&#8221;https:\/\/www.bankmycell.com\/sell\/iphones&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-pm-slice=\"1 1 []\"><strong>Disclaimer:<\/strong> You <a href=\"https:\/\/www.bankmycell.com\/blog\/sell-financed-phones-under-contract\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">can sell financed iPhones<\/a>, but you are still responsible for the finance payments. The sale does not end your responsibility to continue your contract payments. Always check your carrier&#8217;s terms if you are not clear.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;How Carriers Handle Financed Phone Trade-Ins&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1749012398059{margin-bottom: 20px !important;border-bottom-width: 5px !important;padding-bottom: 10px !important;border-bottom-style: dotted !important;border-color: #1444A8 !important;}&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;carrier-policies&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The trade-in policies for financed devices vary between each major carrier.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Verizon Trade-in Policies&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Verizon provides multiple solutions for customers who have devices under financing arrangements.<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Eligible customers can access upgrades once they have paid half of their device&#8217;s cost through the annual upgrade program.<\/li>\n<li>Verizon accepts devices for trade-in but requires you to settle any outstanding balance.<\/li>\n<li>Verizon sometimes offers special trade-in deals which enable customers to upgrade devices earlier than usual according to set terms and promotional values.<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Key consideration: The value of Verizon devices increases on the secondary market after they automatically become unlocked 60 days following purchase although they may be financed.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;AT&amp;T Trade-in Policies&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>AT&amp;T&#8217;s approach to financed device trade-ins includes:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>The Next Up program offers customers the opportunity to upgrade their devices after paying off 50% of the total cost by paying $5 more per month.<\/li>\n<li>Standard installment plans mandate full repayment of the device before you can upgrade.<\/li>\n<li>AT&amp;T regularly provides trade-in offers to reduce your remaining device balance using bill credits.<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Key consideration: AT&amp;T usually demands full payment on devices before unlocking them which affects the devices&#8217; resale value.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;T-Mobile Trade-in Policies&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Customers enjoy great flexibility when upgrading their devices through T-Mobile&#8217;s options.<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Jump! : Users can upgrade devices once they have paid off half of their balance but must pay an additional fee each month.<\/li>\n<li>Jump! On Demand: The lease-based Jump! On Demand program allows customers to upgrade their devices three times annually.<\/li>\n<li>Customers can use their trade-in value to pay down their remaining balance or apply it toward their bill credits.<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Key consideration: Some cases show that T-Mobile displays more flexibility in unlocking devices which impacts their trade-in options.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Apple&#8217;s iPhone Upgrade Program&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The iPhone Upgrade Program from Apple deserves recognition as an alternative to carrier options.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Best Practices and Alternatives&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1749012398059{margin-bottom: 20px !important;border-bottom-width: 5px !important;padding-bottom: 10px !important;border-bottom-style: dotted !important;border-color: #1444A8 !important;}&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;best-practices&#8221;][vc_custom_heading text=&#8221;Complete Your Payment Plan&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;complete-payment&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>When managing financial obligations the best choice typically involves:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><p>Pay for your device in full through continued monthly payments<br \/>\nExchange or market your device after acquiring complete ownership<br \/>\nAllocate your entire trade-in value to purchase your next device.<\/p>\n<\/div>[vc_single_image image=&#8221;21165&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; css=&#8221;&#8221; image_hovers=&#8221;false&#8221; link=&#8221;https:\/\/www.bankmycell.com\/sell\/iphones&#8221;][vc_custom_heading text=&#8221;Refinance Your Device&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;refinance-options&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Some services allow you to:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Refinance your remaining phone balance<\/li>\n<li>Potentially secure a lower monthly payment<\/li>\n<li>Gain more flexibility with the device<\/li>\n<\/ul>\n<\/div>[vc_custom_heading text=&#8221;Keep Your Current iPhone Longer&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;keep-longer&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Consider that:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><p>The iPhone receives software support for between five to seven years.<br \/>\nPurchasing a battery replacement between $69 to $99 will greatly prolong the device&#8217;s functional time span.<br \/>\nYou&#8217;ll experience more significant technological improvements if you skip a generation before upgrading your device.<\/p>\n<\/div>[vc_custom_heading text=&#8221;Sell Privately After Payoff&#8221; font_container=&#8221;tag:h3|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;private-sale&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>You may get more value by:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Completing your payment plan<\/li>\n<li>Unlocking your device through your carrier<\/li>\n<li>You could receive better market value by selling your phone privately rather than trading it in.<\/li>\n<\/ul>\n<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Helpful FAQ&#8217;s&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1749012398059{margin-bottom: 20px !important;border-bottom-width: 5px !important;padding-bottom: 10px !important;border-bottom-style: dotted !important;border-color: #1444A8 !important;}&#8221; el_class=&#8221;headsep-margin&#8221;]<div class=\"hr-thin style-line\" style=\"width: 100%;border-color: #ebebeb;border-top-width: 1px;\"><\/div>[vc_accordion active_tab=&#8221;99&#8243; collapsible=&#8221;yes&#8221; style=&#8221;2&#8243; el_class=&#8221;accordion-bmc&#8221;][vc_accordion_tab title=&#8221;Can I sell\/buy back a phone that is not paid off?&#8221;][vc_column_text css=&#8221;.vc_custom_1755685382278{margin-bottom: 20px !important;}&#8221;]Technically yes, but it is not recommended. The safest routes are either using your carrier&#8217;s official trade in program or simply paying off your phone first. There are buyback companies out there that will buy a phone even if it is financed, but be aware that you are still responsible for continuing to make payments to your carrier.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Will my carrier unlock my iPhone if it is not paid off?&#8221;][vc_column_text css=&#8221;.vc_custom_1755685440104{margin-bottom: 20px !important;}&#8221;]Carriers will typically only unlock a device once it&#8217;s fully paid off. Verizon is the main exception since devices will automatically be unlocked after 60 days regardless of payment status.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;What happens if I sell\/buy back a financed phone and stop payments?&#8221;][vc_column_text css=&#8221;.vc_custom_1755685463242{margin-bottom: 20px !important;}&#8221;]If you stop paying, your carrier will most likely blacklist the device (making it unusable on any cellular network), ding your credit (making your credit score go down), and take collections actions against you.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Do buyback companies check if an iPhone is paid off?&#8221;][vc_column_text css=&#8221;.vc_custom_1755685480620{margin-bottom: 20px !important;}&#8221;]Buyback companies should check the device&#8217;s IMEI to make sure it is not reported lost or stolen, but they may not be able to see if it&#8217;s still being financed. However, if someone sells a phone that is currently being financed and it gets blacklisted later, the device could get blacklisted from being used on any cellular network which can cause both buyer and seller issues.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;Can I apply trade in value to my remaining balance?&#8221;][vc_column_text css=&#8221;.vc_custom_1755685499382{margin-bottom: 20px !important;}&#8221;]Yes and this is typically a great way to go. If the trade-in value is more than your remaining balance, you can use the cash to pay off your device and pocket the difference. You can also use trade-in promotions some carriers offer which might help to pay down your remaining balance on a new device purchase.[\/vc_column_text][\/vc_accordion_tab][\/vc_accordion][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8221;20479&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; css=&#8221;&#8221; image_hovers=&#8221;false&#8221; link=&#8221;https:\/\/www.bankmycell.com\/sell\/iphones&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-pm-slice=\"1 1 []\"><strong>Disclaimer:<\/strong> You <a href=\"https:\/\/www.bankmycell.com\/blog\/sell-financed-phones-under-contract\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">can sell financed iPhones<\/a>, but you are still responsible for the finance payments. The sale does not end your responsibility to continue your contract payments. Always check your carrier&#8217;s terms if you are not clear.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Wrapping It Up&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23000000&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1749012398059{margin-bottom: 20px !important;border-bottom-width: 5px !important;padding-bottom: 10px !important;border-bottom-style: dotted !important;border-color: #1444A8 !important;}&#8221; el_class=&#8221;headsep-margin&#8221; el_id=&#8221;alternatives&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>You can trade in an unpaid phone yet must thoroughly evaluate your choices while recognizing possible repercussions.<\/p>\n<p>The instructions in this guide will help you:<\/p>\n<p>[\/vc_column_text]<div class=\"standard-arrow bullet-top\"><ul>\n<li>Assess all relevant factors before deciding to trade in your phone which is still under financing.<\/li>\n<li>Learn about the approved methods for early upgrade to a new device<\/li>\n<li>Protect your financial reputation by steering clear of activities that could harm your credit standing.<\/li>\n<li>Attain the highest possible trade-in value when exchanging your device.<\/li>\n<\/ul>\n<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The safest methods to upgrade your device are through full repayment of your financed device or by participating in your carrier&#8217;s early upgrade program. Different methods to trade or upgrade financed devices exist but they present various risks requiring careful assessment of potential benefits.<\/p>\n<p>What knowledge do you have regarding upgrading or trading devices that are still under finance agreements? Which strategies have proven to be more effective in your experience?<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_column][\/vc_column][vc_column][\/vc_column]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Considering trading in an iPhone you haven&#8217;t paid off? Discover your options, limitations, and best practices for trading in financed devices.<\/p>\n","protected":false},"author":6,"featured_media":20775,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-20415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iphone-trade-in-guides","category-38","description-off"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/posts\/20415","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/comments?post=20415"}],"version-history":[{"count":5,"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/posts\/20415\/revisions"}],"predecessor-version":[{"id":22783,"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/posts\/20415\/revisions\/22783"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/media\/20775"}],"wp:attachment":[{"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/media?parent=20415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/categories?post=20415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bankmycell.com\/blog\/wp-json\/wp\/v2\/tags?post=20415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}