We negotiated hard with Flexiti to secure the 0% rate on a 12 or 24-month plan. While we could not eliminate the $1.99/month service fee (or $39.00 annual fee for QC), we’re confident that we offer the most attractive financing plan outside of the wireless carriers (who are charging you $60+ a month for wireless service on top of the cost of your phone).  

If you want to minimize the cost of financing, the best way to reduce the total amount of service fees is to make early or extra payments.