ATT does. If you're using their Mobile Share / Next scheme, you get a discount on your plan if you're not on a contract. If you use Next, they're effectively fi

ATT does. If you're using their Mobile Share / Next scheme, you get a discount on your plan if you're not on a contract. If you use Next, they're effectively financing your phone for 0% interest for 18 or 24 months. (My bill is $40 for 2GB, $40 for the phone, minus $15 for not being in a contract.)