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The main difference with leasing a cell phone compared to paying it off in monthly installments is that you won't actually own the phone at the end of your lease, unless of course you pay a buyout price. Let's take a look at what you'll be paying for a new iPhone XS on a lease versus an installment plan.

If you're financing through a phone manufacturer or third party, they may place a hard inquiry, also known as a hard credit check, on your credit report. This could result in a credit score drop.

On Demand, new and current postpaid customers can lease a great device for zero to little down with low monthly payments?no matter your credit score.

Leasing a smartphone offers the benefit of being able to upgrade to the latest models regularly without incurring contract fees. Keeping a smartphone at the end of a lease term may require paying a buyout fee to purchase it.

JUMP! On Demand (JOD) is an 18-month lease agreement that lets you sign a new lease and change your leased device once every 30 days. Since this is a lease and you aren't buying the phone, the monthly payments are reduced. You can buy the phone for the full retail price later or keep upgrading!

Instead of paying for your device as part of your contract or buying a new mobile outright, you rent one instead.

No, you will not own the device at the end of your leasing term. However, you do have the option to buy your phone at the end of the term by paying the balance off.

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