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Is there a way I can know how before hand how much new device financing limit I have?
It's great to know that you're considering an upgrade to your account. As for how much of a finance limit you have, that is based largely on your payment history with us, and a down payment would be required only if your purchase would put you above that limit. Please check out #2 under the "Device payments and making installment payments" section for more on that: https://www.verizon.com/support/device-payment-faqs/
-Russell