--- title: My phone is still under a loan/contract with my current carrier. Am I able to switch to Reach? description: If you currently have an outstanding balance on your device loan, you will need to pay off your bill before activating with Reach. --- [Skip to content](https://learn.reachmobile.com/migration/en/under-contract-am-i-able-to-switch#main-content) English Show submenu for translations [Submit a ticket](https://learn.reachmobile.com/migration/en/kb-tickets/new?hsLang=en) ![website logo.png\]](https://learn.reachmobile.com/hs-fs/hubfs/website%20logo.png?height=40&name=website%20logo.png) Open main navigation Close main navigation - English Show submenu for translations - [Submit a ticket](https://learn.reachmobile.com/migration/en/kb-tickets/new) - Contact us Contact us Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://learn.reachmobile.com/migration/en?hsLang=en) 2. [Before You Switch](https://learn.reachmobile.com/migration/en/before-you-switch?hsLang=en) 3. [Devices](https://learn.reachmobile.com/migration/en/before-you-switch?hsLang=en#devices) # My phone is still under a loan/contract with my current carrier. Am I able to switch to Reach? ## If you currently have an outstanding balance on your device loan, you will need to pay off your bill before activating with Reach. You will need to either terminate your contract with your current carrier (which may have fees associated with canceling) or wait until your contract ends until you can come on over and join Reach.  This ensures that your phone will be unlocked and ready to switch! - [Reach 4G LTE Questions](https://learn.reachmobile.com/migration/en/reach-4g-lte-questions?hsLang=en) - [Before You Switch](https://learn.reachmobile.com/migration/en/before-you-switch?hsLang=en#main-content) - [Risk Free](https://learn.reachmobile.com/migration/en/before-you-switch?hsLang=en#risk-free) - [Switching from a Carrier](https://learn.reachmobile.com/migration/en/before-you-switch?hsLang=en#switching-from-a-carrier) - [Devices](https://learn.reachmobile.com/migration/en/before-you-switch?hsLang=en#devices) - [Plans and Pricing](https://learn.reachmobile.com/migration/en/before-you-switch?hsLang=en#plans-and-pricing) - [Promotions and Referrals](https://learn.reachmobile.com/migration/en/before-you-switch?hsLang=en#promotions-and-referrals) - [Taxes and Fees](https://learn.reachmobile.com/migration/en/before-you-switch?hsLang=en#taxes-and-fees) - [Activating Your Service](https://learn.reachmobile.com/migration/en/activating-your-service?hsLang=en#main-content) - [Porting](https://learn.reachmobile.com/migration/en/activating-your-service?hsLang=en#porting) - [Phone Numbers](https://learn.reachmobile.com/migration/en/activating-your-service?hsLang=en#phone-numbers) - [SIMs](https://learn.reachmobile.com/migration/en/activating-your-service?hsLang=en#sims) - [eSIM](https://learn.reachmobile.com/migration/en/activating-your-service?hsLang=en#esim) - [Technical Support](https://learn.reachmobile.com/migration/en/technical-support?hsLang=en#main-content) - [My Connectivity](https://learn.reachmobile.com/migration/en/technical-support?hsLang=en#my-connectivity) - [Troubleshooting](https://learn.reachmobile.com/migration/en/technical-support?hsLang=en#troubleshooting) - [Other](https://learn.reachmobile.com/migration/en/technical-support?hsLang=en#other) - [Exiting Reach](https://learn.reachmobile.com/migration/en/technical-support?hsLang=en#exiting-reach) - [Billing and Account Information](https://learn.reachmobile.com/migration/en/billing-and-account-information?hsLang=en#main-content) - [Billing](https://learn.reachmobile.com/migration/en/billing-and-account-information?hsLang=en#billing) - [Account](https://learn.reachmobile.com/migration/en/billing-and-account-information?hsLang=en#account) - [Get a plan, Give a plan](https://learn.reachmobile.com/migration/en/get-a-plan-give-a-plan?hsLang=en#main-content) - [Impact](https://learn.reachmobile.com/migration/en/get-a-plan-give-a-plan?hsLang=en#impact) - [How We Give](https://learn.reachmobile.com/migration/en/get-a-plan-give-a-plan?hsLang=en#how-we-give) - [Who We Work With](https://learn.reachmobile.com/migration/en/get-a-plan-give-a-plan?hsLang=en#who-we-work-with) - [International Calling and International Roaming](https://learn.reachmobile.com/migration/en/international-calling-and-international-roaming?hsLang=en#main-content) - [International Calling](https://learn.reachmobile.com/migration/en/international-calling-and-international-roaming?hsLang=en#international-calling) - [Before Your Trip](https://learn.reachmobile.com/migration/en/international-calling-and-international-roaming?hsLang=en#before-your-trip) - [During Your Adventure](https://learn.reachmobile.com/migration/en/international-calling-and-international-roaming?hsLang=en#during-your-adventure) - [Returning Home](https://learn.reachmobile.com/migration/en/international-calling-and-international-roaming?hsLang=en#returning-home) - [Reach 5G on Apple devices](https://learn.reachmobile.com/migration/en/reach-5g-on-apple-devices?hsLang=en) - [Get a Device](https://learn.reachmobile.com/migration/en/get-a-device?hsLang=en#main-content) - [Orders & Purchases](https://learn.reachmobile.com/migration/en/get-a-device?hsLang=en#orders-purchases) - [Finance](https://learn.reachmobile.com/migration/en/get-a-device?hsLang=en#finance) - [Device Related](https://learn.reachmobile.com/migration/en/get-a-device?hsLang=en#device-related) - [Safe Connections Act](https://learn.reachmobile.com/migration/en/safe-connections-act?hsLang=en#main-content) - [Line Separation Under the Safe Connections Act](https://learn.reachmobile.com/migration/en/safe-connections-act?hsLang=en#line-separation-under-the-safe-connections-act) [![Chill listening crop-3](https://learn.reachmobile.com/hs-fs/hubfs/Reach%20Mobile%20logo_secondary_jade-2.png?width=52&height=24&name=Reach%20Mobile%20logo_secondary_jade-2.png "Chill listening crop-3")](https://www.reachmobile.com) Reach Mobile: The carrier that cares Copyright © 2026, Reach Mobile