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!