T-Mobile has officially extended Equipment Installment Plan (EIP) terms from 24 months to 36 months for all tablets and smartwatches, effective November 2025. This significant policy change brings T-Mobile in line with AT&T and Verizon, both of which adopted 36-month financing years ago—a practice T-Mobile previously criticized as anti-consumer and designed to lock customers into longer commitments. For wireless dealers, this change impacts how you position device financing,