reply to tdouglas22
Re: Are the phones unlocked? Paid off or not, they should be unlocked.
I am sure your financing will not come from the providers, it will come from a financial institution of some sort and the phone belongs to you and them until it is fully paid for. I can't imagine the finance company has any interest in it being locked because A.) it makes no difference to them and B.) it restricts you and thus may cause you to stop paying if you for some reason or another go to a carrier the phone does not support or can't support because of the lock.