T-Mobile Bets on 36‑Month Financing With Experience 2.0
T-Mobile is rolling out Experience 2.0, replacing 24‑month financing for new plans with two 36‑month options: Standard (0% APR, taxes and DCC paid up front) and Flex (0% APR promo with taxes and DCC financed; otherwise APR can rise up to 24%). Existing customers who joined before Aug 4 can stay on Experience 1.0 with 24‑month financing unless they switch. The launch is Aug 6; pricing remains the same, but the zero‑out‑the‑door option could raise fraud risk while student plans are also being introduced.