Anyone know of any discounts or websites to search?! Trying not to give Verizon any $$$
Sent from my SCH-I545 using XDA Premium HD app
Menardo said:
Anyone know of any discounts or websites to search?! Trying not to give Verizon any $$$
Sent from my SCH-I545 using XDA Premium HD app
Click to expand...
Click to collapse
I recently purchased a blue HTC One at Best Buy the other day. Had them on sale for $49.99 with new 2-year agreement. What I did was add a new line to get it at that price. Going to sell my S4 and then canceling the old line and paying the ETF with what I get for the S4. I'm midway through previous contract on old line, so the fee should only be about $230. Only thing that sucks, is that I have to tell everyone I know I have a new #. I could probably switch the numbers on the phones, but ETF would higher canceling the new line. Plus I don't think they would let me get away without paying some kind of fee if I canceled the new line because I got a brand new phone out of it. Anyhow, paying ~$300 for a new HTC One this way is a lot better than paying upwards of $600-$700 IMO.
shkrmkr said:
I recently purchased a blue HTC One at Best Buy the other day. Had them on sale for $49.99 with new 2-year agreement. What I did was add a new line to get it at that price. Going to sell my S4 and then canceling the old line and paying the ETF with what I get for the S4. I'm midway through previous contract on old line, so the fee should only be about $230. Only thing that sucks, is that I have to tell everyone I know I have a new #. I could probably switch the numbers on the phones, but ETF would higher canceling the new line. Plus I don't think they would let me get away without paying some kind of fee if I canceled the new line because I got a brand new phone out of it. Anyhow, paying ~$300 for a new HTC One this way is a lot better than paying upwards of $600-$700 IMO.
Click to expand...
Click to collapse
Can't you change your new number to your old number after you end your old numbers contract?!
Sent from my SCH-I545 using XDA Premium HD app
Menardo said:
Can't you change your new number to your old number after you end your old numbers contract?!
Sent from my SCH-I545 using XDA Premium HD app
Click to expand...
Click to collapse
doubt it, by cancelling that line, you give up that number and it automatically is pulled from circulation for a period of time.
Menardo said:
Trying not to give Verizon any $$$
Click to expand...
Click to collapse
You give them money every month just by having their service though
Sent from my HTC One.
josh995 said:
You give them money every month just by having their service though
Sent from my HTC One.
Click to expand...
Click to collapse
Sorry smartass... any extra money they don't deserve. That better?!
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Menardo said:
Sorry smartass... any extra money they don't deserve. That better?!
Sent from my SCH-I545 using XDA Premium HD app
Click to expand...
Click to collapse
best network in the country isn't worth the most expensive plans? Seems like they are number 1 in customers for a reason.
If you want to buy a phone off contract go to swappa.com. Period.
I can sell you mine for $500 if you really want one bad. I still have my Galaxy s4 as a backup
Sent from my HTC6500LVW using xda app-developers app
Menardo said:
Sorry smartass... any extra money they don't deserve. That better?!
Sent from my SCH-I545 using XDA Premium HD app
Click to expand...
Click to collapse
I wasn't trying to be a smartass. I'm sorry you viewed it that way.
Sent from my HTC One.
What dabomb697 said
Sent from my HTC6500LVW using Tapatalk 2
Related
So my $75 upgrade (used to be 150, which is bs) just opened up. I need some clarity on how the pricing works. Is this $75 off a new 2-year contract price? Or $75 off a full retail price and I still have to sign a 2-year contract? If the last one is the case, do I even get a 2-year contract price when my current contract expires?
I believe its $75 off retail price and to sign a 2 year contract as well.
75 off retail.
Sent from my Nexus S 4G using XDA Premium App
You may be able to get them to make a one time exception and qualify you for a full $150 upgrade if you are the main/primary line. That's what retention is doing for me but I'm waiting for the gs2.
Sent from my PC36100 using XDA App
Wow. That sucks then, I have to sign another contract to pay $500? No thanks... Might as well wait until my contract expires to get a new contract price...or will they even do that?
ncfastls1 said:
Wow. That sucks then, I have to sign another contract to pay $500? No thanks... Might as well wait until my contract expires to get a new contract price...or will they even do that?
Click to expand...
Click to collapse
Yes if your contract expires you can get the new contract price.
Sent from my PC36100 using XDA Premium App
Your contract and your upgrade eligibility don't necessarily match. You can be out of contract and still not be eligible for an upgrade. However, there will probably be more flexibility if you're out of contract as Sprint would want to find a way to keep you as a customer.
The $75 upgrade isn't much of a deal, in my opinion. If you use it, you're signing a new 2 year contract, and you're pushing your $150+rebate upgrade out another year.
If you're not Premier Gold and you want to upgrade more often than every two years, I think it makes more sense to pay full price for the phone (or find a deal from ebay/craig) every other year.
Sprint is not flexible at all on upgrades right now. Don't waste your time it will only make you mad.
Sent from my Nexus S 4G using XDA Premium App
Sprint is very flexible actually .. Just call 877 775 4886 that's the retention direct line and tell them how your upgrade was suppose to be full and now its not since they changed the premier things... I got mine moved up 10 months if the first person you talk to doesn't help out ask to speak to their supervisor or call back QUOTE=DirtyShroomz;16441394]Sprint is not flexible at all on upgrades right now. Don't waste your time it will only make you mad.
Sent from my Nexus S 4G using XDA Premium App[/QUOTE]
Sent from my Nexus S 4G using XDA App
I called and tried the to get the full $150 and they basically blew me off..Something about my phone is not THE main line. The contract is in my name and I added my mother and daughter but for some reason apparently my mosm phone is the main line..How the hell does this happen?
A supervisor told me that there isn't anything that can be done and some other stupid crap and if I wanted to upgrade now it would have to be on my mothers line..Well I don't want to start a 2yr contract over on her line cause she will be going to prepaid next year when the contract is up.
So my only choice is to cancel my contract and pay $100 then sell my EVO and move to another carrier..
Screw Sprint..
I was able to get a supervisor to approve an upgrade overide. My $150 was supposed to be 8/01/11 before they changed they downgraded me to silver. I haven't used the upgrade yet because I haven't decided on a phone but I did get it approved. The thing that sucks is that it can only be with Sprint directly. Can't use your supervisor approved upgrade at another store such as Best Buy or Walmart where the prices are better.
steviee7 said:
Sprint is very flexible actually .. Just call 877 775 4886 that's the retention direct line and tell them how your upgrade was suppose to be full and now its not since they changed the premier things... I got mine moved up 10 months if the first person you talk to doesn't help out ask to speak to their supervisor or call back QUOTE=DirtyShroomz;16441394]Sprint is not flexible at all on upgrades right now. Don't waste your time it will only make you mad.
Sent from my Nexus S 4G using XDA Premium App
Click to expand...
Click to collapse
Sent from my Nexus S 4G using XDA App[/QUOTE]
I work sprint retention, resets are no longer being done under any circumstances except sprint error.
Sent from my Nexus S 4G using XDA Premium App
Fcuk that, i haven't been out contract for 3 years.... Yes i can't get insurance ever again just the manufacturing warranty... But i no longer thirst for devices i can get cheaper off the net.... If a person wants a new device.... Just keep allowing them to extended the contract out.... Stop trying to appeal to new customer and become appealing to the old obes
Sent from my PC36100 using XDA App
So what qualifies as an error? I was told a few days ago that I could do it and now when I call back they are saying that promotion has ended.
Sent from my PC36100 using XDA App
geeksquadryder said:
Fcuk that, i haven't been out contract for 3 years.... Yes i can't get insurance ever again just the manufacturing warranty... But i no longer thirst for devices i can get cheaper off the net.... If a person wants a new device.... Just keep allowing them to extended the contract out.... Stop trying to appeal to new customer and become appealing to the old obes
Sent from my PC36100 using XDA App
Click to expand...
Click to collapse
Do you know how much money is lost on every subsidized phone? Early upgrades kill profit and sometimes programs are stopped. What good is a provider if it's not making any profit and can't buy new phones or expand its network?
Sent from my Nexus S 4G using XDA Premium App
augy said:
So what qualifies as an error? I was told a few days ago that I could do it and now when I call back they are saying that promotion has ended.
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Click to expand...
Click to collapse
30 day return or upgrade being used when it was only a replacement.
Sent from my Nexus S 4G using XDA Premium App
I called sprint and the rep told me it was 75 off the 2 year contract price. I made sure to ask her a second time if it was the contract price or retail price and she said it was the contract price because I would be signing a new 2 year contract.
Sent from my Transformer TF101G using XDA Premium App
MedicStuder said:
I called sprint and the rep told me it was 75 off the 2 year contract price. I made sure to ask her a second time if it was the contract price or retail price and she said it was the contract price because I would be signing a new 2 year contract.
Sent from my Transformer TF101G using XDA Premium App
Click to expand...
Click to collapse
Interesting...I'll have to ask in person next time I stop by the sprint store. Cause I was really looking forward to the galaxy s 2
Sent from my PC36100 using XDA App
MedicStuder said:
I called sprint and the rep told me it was 75 off the 2 year contract price. I made sure to ask her a second time if it was the contract price or retail price and she said it was the contract price because I would be signing a new 2 year contract.
Sent from my Transformer TF101G using XDA Premium App
Click to expand...
Click to collapse
There's no way. She's basically saying that the 1 year price is less than the 2 year price. I think we all know that's not true.
Thought I'd share this link
Fuuuuuuuuuuuuuuuu I'm officially pissed I just brought this phone Saturday...
Sent from my Galaxy Nexus using xda premium
dcowboys2184 said:
Fuuuuuuuuuuuuuuuu I'm officially pissed I just brought this phone Saturday...
Sent from my Galaxy Nexus using xda premium
Click to expand...
Click to collapse
return and rebuy?
Idk why they just don't right "FREE" in nice big letters...
Sent from my Galaxy Nexus
Mitchmoney said:
Idk why they just don't right "FREE" in nice big letters...
Sent from my Galaxy Nexus
Click to expand...
Click to collapse
"FREE" causes a lot of issues with a lot of consumers, mostly with expectations. Plus, the "freebie hunter" crowds, the kind that will bring 50 coupons to the grocery checkout aisle and buy groupons to places that they already go to every week (and are cheap to begin with) are horrible customers.
Just adding the penny makes a world of difference.
You can't do that can you?
Sent from my SPH-D710 using xda premium
dcowboys2184 said:
You can't do that can you?
Sent from my SPH-D710 using xda premium
Click to expand...
Click to collapse
Yes if you just bought it then you should be able to return the phone then just order it through Amazon...
Sent from my Galaxy Nexus using Tapatalk 2
Tick that you are an existing customer or have a family account and watch the price soar.
Even if I'm a new customer
Sent from my Galaxy Nexus using xda premium
Yes if you are a brand new customer...which kinda sucks but o well I got for $150
Sent from my Galaxy Nexus using XDA
dcowboys2184 said:
You can't do that can you?
Sent from my SPH-D710 using xda premium
Click to expand...
Click to collapse
Yes. You're entitled to return your device if you're not satisfied with it within a particular period.
Just make sure that they cancel your contract as well.
Amazon has been pretty nice with their return policy, I have returned items that doesn't have issues but I wasn't happy with. I just wrap up everything neatly as possible and usually get full refund minus shipping.
I know there are many people on contract, but for me I wouldn't even pay 1 cent and enter two years contracts. You have to pay double ETF if you need to change carrier, one to Amazon and one to the Carrier.
Early Termination Fee (ETF)
If I terminate this Agreement before the end of my Commitment, I will pay an ETF of up to $325 if purchasing certain specified Equipment (e.g., Smartphones) OR up to $150 for other Equipment for each tel. no. associated with my service as indicated in the Terms of Service.
Click to expand...
Click to collapse
But this is nowhere compared to RatShack.
I have been with tmobile since its inception and my contract just ran up, I want to upgrade to the galaxy s3. The cheapest I found it so far was at best buy for $229 but Im hoping to find one for as close to $199 as possible... any suggestions?
Sent from my Transformer TF101 using xda app-developers app
casrocks said:
I have been with tmobile since its inception and my contract just ran up, I want to upgrade to the galaxy s3. The cheapest I found it so far was at best buy for $229 but Im hoping to find one for as close to $199 as possible... any suggestions?
Sent from my Transformer TF101 using xda app-developers app
Click to expand...
Click to collapse
Target.com has it for $199.
http://www.targetmobilestore.com/eCommerce/SpecialOffer.aspx?cid=36415_ca22c64577b5491b87392af918c41a5c
edit: I actually just found this thread. Should help get a cheaper price.
http://forum.xda-developers.com/showthread.php?t=1805621
casrocks said:
I have been with tmobile since its inception and my contract just ran up, I want to upgrade to the galaxy s3. The cheapest I found it so far was at best buy for $229 but Im hoping to find one for as close to $199 as possible... any suggestions?
Sent from my Transformer TF101 using xda app-developers app
Click to expand...
Click to collapse
If your contract is up, call 611 & when prompted for input say "cancel". This should get you to the loyalty department, 'inform' them you are thinking of switching to AT&T because they offered you free Galaxy S3s if you did. They will definitely give you a better price than you can find anywhere as far as retailers are concerned. Please report your success story with us
My dad simply just called customer loyalty and said we were thinking of switching and what's the best they could do for us. So I ended up getting the 32gig white s3 for 240 and that includes shipping and all fees
Sent from my SGH-T999 using xda app-developers app
falcons2 said:
My dad simply just called customer loyalty and said we were thinking of switching and what's the best they could do for us. So I ended up getting the 32gig white s3 for 240 and that includes shipping and all fees
Sent from my SGH-T999 using xda app-developers app
Click to expand...
Click to collapse
Take it from a man that makes his OWN deals. If you tell them you aren't too satisfied and another carrier is already "courting" you they will make you a better offer than what this kid above listed. Trust me.
No offense kid.
KillaHurtz said:
Take it from a man that makes his OWN deals. If you tell them you aren't too satisfied and another carrier is already "courting" you they will make you a better offer than what this kid above listed. Trust me.
No offense kid.
Click to expand...
Click to collapse
Agreed! T-mobile has been losing contract customers in significant numbers to either pre-paid or other carriers. This above strategy used to work for me... until I found a family member that works there... That's what you really need!
Just to add to the info on what you should be able to easily get: my contract expired and I called to "verify" that it was. I also mentioned that I could get the same phone for $150 less with another carrier at the time. She immediately offered the phone for $229 (16gb) with a $150 bill credit to bring it down to $79. PLUS she gave me the $20 5gb data plan and a $10 monthly credit for 24 months! Also got free overnight shipping. Oh and I still get to send in for the $50 rebate!
Hope that helps give you an idea what to shoot for.
Sent from my SGH-T999 using xda app-developers app
DocHoliday77 said:
Just to add to the info on what you should be able to easily get: my contract expired and I called to "verify" that it was. I also mentioned that I could get the same phone for $150 less with another carrier at the time. She immediately offered the phone for $229 (16gb) with a $150 bill credit to bring it down to $79. PLUS she gave me the $20 5gb data plan and a $10 monthly credit for 24 months! Also got free overnight shipping. Oh and I still get to send in for the $50 rebate!
Hope that helps give you an idea what to shoot for.
Sent from my SGH-T999 using xda app-developers app
Click to expand...
Click to collapse
Dang bro that's a crazy deal.
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hucesar1017 said:
Dang bro that's a crazy deal.
Sent from my SGH-T999 using xda app-developers app
Click to expand...
Click to collapse
If you're off contract tmobile will do close to anything to keep you if you have been loyal (5+ years, no late payments)
For me I always jump on the latest and greatest so i'm constantly under contract, tmo still honors my loyalty and gives me great pricing along with monthly discounts.
Saw this phone on best buy for 150 and I'm eligible for a 2 year agreement just wanted to know if any of you guys have bought through best buy before?
If so Does your plan changed in any way whether it would be data?
Reason why I ask is because T-Mobile is always making it impossible for their customers. I see it as a smart investment worse comes to worse down the line I can always opt out and pay that 200 penalty to get out, I would still have my s3.
Sent from my SGH-T959V using xda app-developers app
I hate Best Buy but couldn't resist their low prices so last year I bought 3 phones online. It work out good for me. Not only I end up paying for the phone much less than any other place, but also somehow I didn't have to buy a data plan with those purchases. I have a family plan and that did not change also.
Last week I tried to add fifth line to my plan and I had to add minimum $20 data to new phone so I'm not sure how it is now...
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How long you were with T-Mobile before buying phone online?
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daxecutioner24 said:
How long you were with T-Mobile before buying phone online?
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Click to expand...
Click to collapse
Long time - since there were Voicestream - probably 10 years.
I bought this phone from bestbuy in october since I was eligible for an upgrade and bestbuy had it for way cheaper than tmobile ever did. Only part of my plan that was suppose to change was my data plan but it never did actually change. I still have the same plan I had before purchasing the phone. No complaints
Thanks guys. Yeah its way cheaper than what Tmobile has it right now about 340 with the upgrade. You guys did it through the phone or in person. One rep I was speaking with told me that I can't get the phone in store because T-Mobile doesn't allow it? Is this true or just BS. I was going to get the blaze through T-Mobile but it was going to come out around 184 basically around same price I'm getting the s3 for through best buy.. Not a big Fan of the 4'7 screen but oh well.
Sent from my SGH-T959V using xda app-developers app
Also any idea how much these guys will try to sell me their warranty for? Or do I get at least a 1 year warranty.
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daxecutioner24 said:
Also any idea how much these guys will try to sell me their warranty for? Or do I get at least a 1 year warranty.
Sent from my SGH-T959V using xda app-developers app
Click to expand...
Click to collapse
I actually did mine online and I had no problems. Bestbuy also gives you the option to add a warranty I think but I'm not to sure since I didn't get one
the issue to consider is that BB will sell you the 2 year plan, which continues the "subsidy" (we all know it's baked into the monthly price, RIGHT?) even after you pay of the phone. Consider a tmobile store - and a value plan, where there is more of an up front cost (possibly), but the value plan is a purchase of the phone as a transparent process, and when it's paid for (20 months?) you keep the phone, and the monthly price drops.
If you can do a "small buisiness" plan - go for that! $40 per month to 1000min and unlimited (5GB at 4G speed). $50 for unlimited/unlimited. Add $20 for phone, and stll cheapest way to go...
Merry Christmas
sbaeder said:
the issue to consider is that BB will sell you the 2 year plan, which continues the "subsidy" (we all know it's baked into the monthly price, RIGHT?) even after you pay of the phone. Consider a tmobile store - and a value plan, where there is more of an up front cost (possibly), but the value plan is a purchase of the phone as a transparent process, and when it's paid for (20 months?) you keep the phone, and the monthly price drops.
If you can do a "small buisiness" plan - go for that! $40 per month to 1000min and unlimited (5GB at 4G speed). $50 for unlimited/unlimited. Add $20 for phone, and stll cheapest way to go...
Merry Christmas
Click to expand...
Click to collapse
Yea I went with the s3 with best buy pretty cheap..I did have to upgrade my data plan but only 10 more than I was paying for 200mb now I get about 5g.
Sent from my SGH-T959V using xda app-developers app
Thanks guys for all your help appreciated merry christmas
Sent from my SGH-T959V using xda app-developers app
I have bought all my phones from BB. I love it and service is great! (Not just saying it Because I work there)
Sent from my SPH-L710 using Tapatalk 2
DroidModder said:
I have bought all my phones from BB. I love it and service is great! (Not just saying it Because I work there)
Sent from my SPH-L710 using Tapatalk 2
Click to expand...
Click to collapse
Yeah I notice customer reps actually are not bots too.. I spoke to a few they seem to be well acknowledge and actually have a soul lol.
Sent from my SGH-T959V using xda app-developers app
Plus you get a free 1 year warranty for the stuff that's suppose to come for free, Like a defective unit .buying with T-Mobile you have to pay a monthly fee for that same coverage
Sent from my SGH-T959V using xda app-developers app
Not bad...Starts tomorrow for a limited time
http://www.dailytech.com/TMobiles+Z...Smartphones+Starting+July+27/article33052.htm
I love you t-mobile
YOU KEEP GETTING BETTER AND BETTER.
https://www.youtube.com/watch?v=S2NYT8uV_VQ
No zero down mean you don't need to pay for it now. So instead of making you have down payment right now they put that payment toward the monthly payment plan.
Say you want S4, instead of 150 down and 20x24 totaling 630, you pay 0 down and 25x24 total of 600. $30 saving. Not bad. .
But phone like HTC one, you'll be paying 0 down and 25x24 total 600 instead of 80 down (Web)and 20x24 total of 560 normally. Cost you $40 more.
Over all tmobile is being aggressive lately. .
Sent from my SGH-M919 using xda premium
is aggressive bad?
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macsalot916 said:
is aggressive bad?
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Click to expand...
Click to collapse
If it saves me money, aggressive is very good lol
Sent from my Nexus 7 using Tapatalk 4 Beta
The only part I like is that it saves money on the S4 and that if you do Jump it can save you money there to if you like to buy a new phone every 6 month's.
4ktvs said:
The only part I like is that it saves money on the S4 and that if you do Jump it can save you money there to if you like to buy a new phone every 6 month's.
Click to expand...
Click to collapse
Yeah I'm currently on Verizon and I'm highly considering switching my lines over soon with the 0$ down thing. Need to get off this Capitalist carrier lol
Sent from my Nexus 7 using Tapatalk 4 Beta
That's annoying as hell.
I just talked to a Loyalty rep this afternoon to change plans and waive fees, who told me about this promotion. I asked him three separate times if the lack of down payment came back on the back end, by either increasing monthly payments or adding months, and every time he told me, No, it's $20 for 24 months.
I'm getting my Note II tomorrow, and I guess I'll see what happens with my next bill.
adrenalinemedic said:
That's annoying as hell.
I just talked to a Loyalty rep this afternoon to change plans and waive fees, who told me about this promotion. I asked him three separate times if the lack of down payment came back on the back end, by either increasing monthly payments or adding months, and every time he told me, No, it's $20 for 24 months.
I'm getting my Note II tomorrow, and I guess I'll see what happens with my next bill.
Click to expand...
Click to collapse
He's an idiot and you'll be charged for sure
Sent from my Nexus 7 using xda app-developers app
Wondering if maybe that $20 x 24 reflects for that particular device (note 2). I just got this s4 Wednesday and paid the $150. I wonder if I can get that back? Wont hurt anything if I go try...
Sent from my SGH-M919 using xda app-developers app
Each device is different I just got another s4 and its 25x24 months, iphone is 27x24months
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paulrodgers34 said:
Each device is different I just got another s4 and its 25x24 months, iphone is 27x24months
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Click to expand...
Click to collapse
Do you tax on the device?
Sent from my SGH-M919 using xda app-developers app
Do keep in mind that the only way to get the phone for zero down is to be "well qualified" if you had a deposit at start of service then you should have a discounted down payment
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ichefae85 said:
Do keep in mind that the only way to get the phone for zero down is to be "well qualified" if you had a deposit at start of service then you should have a discounted down payment
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Click to expand...
Click to collapse
Do you have to pay tax on the device?
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nexusmanftw said:
Do you have to pay tax on the device?
Sent from my Nexus 7 using xda app-developers app
Click to expand...
Click to collapse
Yeah still had to pay the tax
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nexusmanftw said:
Do you have to pay tax on the device?
Sent from my Nexus 7 using xda app-developers app
Click to expand...
Click to collapse
Also depends on which state you're in. I'm in California so I pay tax on the full retail price of the phone. Oregon I believe pays no tax. Just really all depends on the state
Sent from my GT-I9505G using xda premium
I switched from sprint a wk ago and went in this morning and was refunded $150 for one s4 and $150 bill credit for another. Also u have to b in the "A or B" credit bracket in order to qualify for the zero down. And for each line u open there is still a $50 charge for taxes. So 4 lines is $200 plus $10 per sim kit (new costomers).
I think thats about right.
Sent from my SGH-M919 using Tapatalk 4 Beta
cybervyrus8587 said:
I switched from sprint a wk ago and went in this morning and was refunded $150 for one s4 and $150 bill credit for another. Also u have to b in the "A or B" credit bracket in order to qualify for the zero down. And for each line u open there is still a $50 charge for taxes. So 4 lines is $200 plus $10 per sim kit (new costomers).
I think thats about right.
Sent from my SGH-M919 using Tapatalk 4 Beta
Click to expand...
Click to collapse
I came from Sprint a week ago as well. Wife got a HTC One and I got the S4. I'm on the jump program and wondering if I should do you what you did. Was it hassle?
sweets55 said:
I came from Sprint a week ago as well. Wife got a HTC One and I got the S4. I'm on the jump program and wondering if I should do you what you did. Was it hassle?
Click to expand...
Click to collapse
Not at all except for the wait. They r very slow at my store. BUT... When they refund the money u will get the$50 tax per phone back as well. BUT.. u will have to pay that back up front. Ull receive the refund 48-72 business days later.
Sent from my SGH-M919 using Tapatalk 4 Beta
Yes you do pay extra on the back end for it being no money down, but a lot of people do not want to pay a dime upfront so for them, this is good.