Pay for your device with monthly installments

If you qualify, you can finance a new device that you pay for in monthly installments when you sign up for Google Fi service.

Monthly payments over 24 months

If you choose to pay for your device over time and you qualify based on your credit check, you’ll make 24 monthly payments. Each monthly payment is charged to the credit or debit card on your Google Fi account. You’ll find this charge in the “Standard monthly charges” section of your monthly billing statement.

No interest or fees

There’s no interest or fees. The cost of the device is simply spread out over 24 months.

When you complete Google Fi checkout, you can pay the taxes on the full price of the device and the cost of expedited shipping. At checkout, new users without an existing Fi plan will pay a $25 down payment on their device (unless your device is eligible for a promotion that covers the entire cost), and finance the remaining amount over 24 months.

Verify eligibility through a credit check

Use promotions with financing

Before you apply for a promotional discount, make sure you have enough credit to cover the device's full pre-discount price.

To receive promotional pricing, you must follow the terms and conditions, which typically require you to:

• Activate service promptly: You usually have 30 days from device shipment to activate your Google Fi service. If you don't activate in time, the promotion can be voided, and you may be charged the full price of the device.
• Keep service active: You must keep the Google Fi service active for a required period to get the full discount. Canceling early can result in a chargeback of the promotional value.
• Understand eligibility: Promotions often have specific eligibility rules for new or existing customers. Be sure to read the terms. In most cases, you cannot combine (“stack”) multiple promotions.

If you didn’t get approved, for questions about your credit, call Experian at 1-888-EXPERIAN or 1-888-397-3742.

Understand the credit check & what to do if you're not approved

To see if you qualify to pay for your device over time, we’ll do a check on your credit history through Experian, our third-party credit reporting partner.

• Initial check: When you first apply, we run a "soft" credit inquiry, which is similar to a pre-approval and shouldn’t affect your credit score.
• Final check: If you qualify and proceed with financing, we then run a “hard” credit inquiry. This is a formal credit check that can affect your credit score.

If you have issues with your financing application

All financing decisions are made by Experian. Google Fi support can’t override or adjust these decisions. If you weren’t approved or have questions about your credit, you must contact Experian directly. They can help with issues like:

• Understanding why your application was denied.
• Re-running a credit check after you've unfrozen your credit file.
• Questions about your credit limit.

You can reach Experian at 1-888-EXPERIAN (1-888-397-3742).

What does Google do with the information used to run your credit check?

Google works with Experian to check your credit history to see if you’re eligible. After the check, Google retains your information as required for Equal Credit Opportunity Act (ECOA) compliance. Google does share the info you provide with Experian. Experian can store and use your info for purposes such as updating your credit profile and marketing.

Verify your identity

For your security, we may ask you to confirm your identity before you complete your purchase.

We may ask you to:

• Answer some personal questions, like addresses you had or banks you used.
• Upload an image of a government-issued document.

Pay off your balance at any time

You can check your remaining balance on your device and pay it off at any time:

Important: If you get a promotional discount on your device, the early payoff of your balance may void any remaining promotional credits. You may be charged for the remaining value of the promotion. Always check your promotion’s terms and conditions before paying off your device.

1. Open the Google Fi app or Google Fi website.
2. In the "Home" tab, select Manage plan.
3. In the window that appears, you can check how much you’ve paid and how much you've left to pay.
4. To pay your remaining balance, click Pay off device.

On your next statement, your device balance can be charged as “Device payment - full payoff.”

When you pay off your balance, you don’t have to pay monthly anymore.

Cancel or pause service

If you cancel your Google Fi service before your device is fully paid for, your remaining device balance will be due on your final bill. If your device purchase includes a promotion, you’ll also be charged for any remaining promotional value, as promotions require you to keep your service active for a specific period.

If you put your service on hold, you must continue to make your monthly device payments. Pausing service may also affect your eligibility for some promotions. Always refer to your promotion's terms and conditions.

Finance another device

Typically, you can only have one active device financing plan at a time per individual account. To finance a new device, you must first pay off the remaining balance of any currently financed device. Group plan owners may be eligible to finance more than one device.

If you finance a new device for another member of your group plan, installment payments appear on your Google Fi bill. Service charges are billed to the account that uses the device.

Check eligibility for device financing

Per Google Fi terms and conditions, financing isn’t available. To understand your credit limit and report before you apply, create a free account with our financing partner, Experian. Go to the Terms of Service.

Common reasons why your device financing is ineligible:

• Insufficient credit limit: Your approved financing limit from Experian must cover the full price of the device. Google Fi doesn’t allow down payments to cover the difference between your credit limit and the device price.
• Ineligible device for financing: You may need to pick a different device or check the subscription program.
• Outstanding balance from previous financing: Before you can finance a new device, you must pay off any active device financing balance. To find and pay the balance:

1. Go to payments.google.com.
2. Select Subscriptions & services.
3. To check your balance, under "Active" and "Canceled," select Google Fi.
4. Pay the balance.
5. Return to the device list.
6. Try again.

If you buy your device from Google Store, you can pay for it over time with Google Store’s financing plan.