Walmart just reduced the price for S24 Plus - $10 for 36months and S24 Ultra for $12 for 26 Months. So total financed amount will be S24 Plus - $360 or S24 Ultra $432 .
NO this is not monthly credits as I upgraded my line and financed amount is $432.
This deal work better , if you have ATT/Verizon account with paid off line. Simply upgrade your line for either of the devices and pay off after 14 days online or at store in cash before 14 days for Verizon.
ATT will allow you to pay off same day or next day in full online but Verizon only allow after 14 days.
If you open new account or add a line, please note:
1. $35 activation/upgrade charges
2. Verizon - You can pay at store in full with in 3 days , and can cancel the line to avoid activation . You cannot do it online. So YMMV to find store that take cash for device payment. My store allows that. UNLOCK after 60 days of activation. No continous service require.
3. ATT - You can pay off same/next day in full once you get the device. NO obligation
4. ATT - You can use sim swap method to try unlock early. Please check on google/reddit for steps.
Do not try this at walmart store , because , their in-store system sometime through activation rejection and then you will not be able to get the device . Also very less people now have activation team at stores , wearing Black T-shirt from OSL.
ATT -
S24 plus - https://www.walmart.com/ip/AT-T-S...om=/search
S24 Ultra - https://www.walmart.com/ip/AT-T-S...om=/search
Verizon -
S24+ - https://www.walmart.com/ip/seot/5...tryType=WL
S24 Ultra - https://www.walmart.com/ip/seot/5...tryType=WL 
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edit:
I forgot about this possibility
"4. ATT - You can use sim swap method to try unlock early. Please check on google/reddit for steps."
No credit pull loss because soft pull no?
"We are unable to process your order. Please visit your nearest Walmart Mobile Desk."
side note:
citi cards have 50credit on 65 ATT payments, so with multiple, it is a great deal
edit:
I forgot about this possibility
"4. ATT - You can use sim swap method to try unlock early. Please check on google/reddit for steps."
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