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
- To make sure you’re eligible for device financing, we run a credit check.
- For the credit check, we ask you to confirm your:
- Name
- Address
- Social security number
- The credit check is completed within seconds.
Before you apply for any promotional discounts, make sure you have enough credit to cover the device's full price.
From when you purchase your device, you have 30 days to activate your Google Fi service. If you don't activate within 30 days, you can be charged the full price of the device after 30 days.
If you didn’t get approved, for questions about your credit, call Experian at 1-888-EXPERIAN or 1-888-397-3742.
Additional details about the credit check
To see if you qualify to pay for your device over time, we’ll do a check on your credit history through Experian, a third-party credit reporting agency. This check is similar to what a lender may do when they pre-approve someone for a loan. This is known as a “soft” credit inquiry and should not affect your credit score.
If you qualify and decide to go ahead with paying for your device over time, we’ll then run a “hard” credit inquiry. This is the kind of credit check that a lender does to make a lending decision. It can affect your credit score.
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 ECOA (Equal Credit Opportunity Act) 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:
- Open the Google Fi app
or Google Fi website. - In the "Home" tab, select Manage plan.
- In the window that appears, you can check how much you’ve paid and how much you've left to pay.
- To pay your remaining balance, click Pay off device.
or On your next statement, your device balance can be charged as “Device payment - full payoff.”
Learn how to pay off your remaining device balance.
When you pay off your balance, you don’t have to pay monthly anymore.
Check your remaining balance
Cancel or pause service
If you stop using Google Fi, you have to pay the full price of your device. After you stop, the money you owe is charged to the card you used to pay for Google Fi. You can check the charge on your bill.
If you put your service on hold, you still have to pay for your device every month.
Buy another device
If you can pay for a device over time, you can buy a new device and let someone else use it. You must have at least one other device on your Google Fi account.
Under "Devices,” your account lists the new financed device as inactive. Installment payments show up on your Google Fi bill. Service charges are billed on the account that uses the device.
Check eligibility for device financing
Per Google Fi terms and conditions, financing may not be available. Check the Terms of Service.
Some reasons include:
- The device isn't eligible for financing. You need to pick a different device or check our subscription program.
- You have a balance from a previous financing. To find the balance:
- Go to payments.google.com.
- Select Subscriptions & services.
- To check your balance, under "Active" and "Canceled," select Google Fi.
- Pay the balance.
- Return to the device list.
- Try again.
If you buy your device from Google Store, you can pay for it over time with Google Store’s financing plan.
