Am I leasing the phone?

No. You can buy your nu phone now, but repay it interest free over 24 months (while you're on a plan). If you later decide you don’t want to keep your phone, we let you return or swap it anytime – see how it works.
If you do decide to keep your phone, once you’ve repaid the purchase price in full (which you can do anytime), the phone is yours to keep forever.   

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