For those who like their service and don’t think that they will want to change a carrier for three years.
New or existing line
And have old Samsung laying phone laying around
After e.g. trade in credit for S8 or even S7
S23 Ultra – $ 400 – 36 payments x 11.11
S23 + — $ 200 – 36 payments x 5.55
Cannot payoff early, cannot quit Verizon for 36 months.