Thinking of canceling Spectrum Mobile but still owe money on your phone? There's a clever workaround in their “Anytime Upgrade” feature that could save you hundreds.
According to Android Authority, Spectrum includes an “Anytime Upgrade” perk on Unlimited Plus plans. It lets customers swap phones whenever they like—without waiting or paying off much first.
In simple terms: if you bought a pricey phone and still owe, you don’t have to pay all that debt before switching.
Here’s how it works: let’s say you're a few months into a two-year payment plan for a $1,000 phone. You decide Spectrum isn't for you and want to leave. Thanks to the loophole, you trade in that phone for their cheapest model—a roughly $80 flip-phone—and pay that off in full. It's mostly about timing: acting early, before too many payments, means you save big on what you owe.
Reddit users who’ve tried this confirm it works—but warn it could vanish soon. The more people use it, the more likely Spectrum might patch the loophole .
This loophole isn’t about taking advantage—it’s about smart timing. If Spectrum Mobile doesn’t quite meet your needs, this gives you a cheap escape hatch without the usual costs. But since Spectrum could close it anytime, waiting too long might mean losing the chance.
Source: Android Authority
