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There hasn't been an option to upgrade with a one year "lease agreement" for a number of years now unless customer service can still offer them as part of a loyalty plan to keep a customer from leaving the carrier.
With the 24 month purchase agreements, you can pay off the remaining balance at any time provided you are aware any promotional credits are forfeited if you pay off the device payment agreement balance early.
I'm most definitely NOT a VZW employee. If a post answered your question, please mark it as the answer.
