Interest-free payment plans*
Cox Mobile has partnered with Citizens Pay.® Now, qualifying customers can finance a new phone at 0% APR* interest for 24 months. We’ll still service your internet and mobile plans, but you’ll pay for your new device separately through Citizens Pay Device Financing.
Device payment plans
Device payment plans
Here’s how it works
Once you’ve found your next device, you’ll be asked to complete the steps below. Then after making your purchase, you can set up auto-payment for your device through the Citizens Pay Servicing Portal.
Check eligibility
Enjoy a quick, convenient prequalification process. If you don’t qualify, your credit score will not be impacted.
See if you’re pre-qualified
Once you are, you can get details about your line of credit and, based on your credit score, any required down payment.
Confirm your offer
Find a plan you like? You’ll need to complete the credit application. Then, if you qualify, the credit check will result in an inquiry that may impact your credit report.
Benefits of a payment plan
Benefits of a payment plan
You’re not just spacing out a major payment. Qualified customers can get so much more.
0% APR* for 24 months
Build credit through timely payments made in full
Put zero money down with a qualifying credit* score
Shop devices with Cox Mobile
Shop devices with Cox Mobile
Payment plans for the most popular smartphones
Here are just some of the great devices you can choose from. See our full selection.
Citizens Pay FAQs
Citizens Pay FAQs
Your questions answered
What are the advantages to the device payment plans and making payments?
Device payment plans allow you to pay a smaller amount each month instead of paying for the full amount outright. And with 0% APR,* you will not have to pay more than the total amount of the device. Additionally, Citizens Pay gives you access to a revolving line of credit which you can use to make multiple purchases at Cox Mobile, within your credit limit, without having to submit another credit application or having to worry about juggling multiple loans.
Can I use device payment plans when pre-ordering a device?
Yes, you may use device payment plans to pay for pre-ordered devices. The line of credit will be opened once your device is ready to ship. See Citizens Pay Line of Credit Agreement for full terms and conditions.
Will I need to complete this process every time I want to use a device payment plan?
Citizens Pay is offering Cox Mobile customers a revolving Line of Credit product. Once you have your Citizens Pay account open, future purchases can be made up to the credit limit you're given, without needing to reapply as long as your account is still active. Inactive accounts close after 90 days of inactivity once the balance has been paid.
What do I need to qualify for device payment plans?
To get started, you will provide your name, social security number, billing address, annual income and monthly housing cost. Citizens pay will check your eligibility - which does not affect your credit score. If you are eligible, you'll need to complete the credit application process which can affect your credit score.
How do I make payments to Citizens Pay?
Payments on your device are to be made through Citizens Pay. Set-up auto-payments, view your financing bill or check-on your Line of Credit by visiting their site. Your bill and payments for your Cox Mobile service are made to Cox via EasyPay. You can view your bill on Cox.com by selecting MyAccount.
Looking for more?
Looking for more?
Mobile data plans
Mobile data plans
Check out our flexible data plan options designed to fit your lifestyle and budget.
*With approval of Citizens Pay Line of Credit at 0% APR and 24-month term. Subject to individual credit approval. Down payment may be required to receive financing and may impact periodic payment amount. Down payment requirements and amounts will be displayed after pre-qualification and prior to completing financing application. Cox may offer discounts for certain devices from time to time on qualifying 0% APR offers, subject to other terms. If applicable, discounts from Cox may appear on a future statement and will be applied to the principal balance as directed by Cox. Cox is solely responsible for discounts where applicable. Prices vary by wireless device. Price quoted is price for lowest priced model. Changes to model configuration could increase price. Taxes, shipping, other charges and fees are extra, cannot be financed and must be paid in full at time of purchase. See Citizens Pay Line of Credit Agreement at https://www.citizensbank.com/disclosures/Cox.aspx for full terms and conditions. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.
All displayed prices exclude applicable taxes and fees, which will be calculated at checkout and may change over time.
Pricing, packages and policies are subject to change. Cox Mobile plans and services subject to Mobile Customer Service Agreement (including mandatory arbitration provisions), Cox Mobile Acceptable Use Policy (including Cox's right to terminate service for abuse of network), Privacy Policy, Paperless Terms and Conditions and EasyPay Terms and Conditions.
Prices exclude taxes, device, activation, roaming data, international usage and other fees and charges, which are subject to change.
Cox Mobile runs on the network with unbeatable 5G reliability as measured by Ookla, LLC in the U.S., Q1 2024. Results may vary. Not an endorsement. Wifi not tested.
1Limited time offer for existing and new Cox Mobile lines. Purchase of a Samsung Galaxy Z Fold5 or Z Flip5 with 512GB storage capacity required in order to qualify for additional discount while supplies last. Prices exclude taxes, device activation, and other fees and charges, which are subject to change. Limit one device per line. S Pen sold separately. Other terms and conditions apply.
No annual contract means no minimum term period requirement and no early termination fees.
Calls include all domestic US destinations, Puerto Rico, and US territories. International long-distance plans available for additional monthly charge.
Text includes: (i) US and Int’l destinations (ii) Text, Picture, and Video Messages with Cox Mobile and non-Cox Mobile customers in the United States; (iii) Text, Picture, and Video messages sent via email; (iv) Instant Messages; and (v) Text, Picture, and Video Messages sent to, or received from, other countries while you are in the United States. Compatible device required. Premium Messaging programs not included. Other restrictions apply.
For Gig Unlimited, data speeds are reduced to a maximum of 1.5 Mbps download/750 Kbps upload after 20 GB of monthly data use.
For Pay As You Gig, data usage is billed per line in 1GB units ($15/ea); charges will not be pro-rated. Unused data does not roll over. Speeds reduced to a max of 1.5Mbps download/750 Kbps upload after 5GB of monthly data usage.
Other restrictions apply.