HTC is currently experiencing a decline and they’re desperately trying everything they can to turn things around. Earlier this month, they introduced a mid-range handset, the Desire 700, that for all intents and purposes is a plastic version of the HTC One, except with horrible specs. What’s worse, they want $470 for it. For that kind of money, you can get a Moto G for you and someone else in your family and still have cash left over to go out for dinner and a movie.

But let’s get real, the real profits to be had are in high margin flagship devices, which in this case means the One. It’s already being offered by all of America’s biggest operators, but what if you want to buy one unlocked? HTC is going to make that easier by letting you buy a One without paying a single penny and committing to a two year contract. Note that this isn’t a contract with an operator, it’s a two year contract with HTC. Miss a payment and you’ll be slapped with a 30% interest rate, but if you’re a good little boy or girl, HTC will gladly sell you their best smartphone to date for just $25 per month x 24 months = $600.

Should you even buy an HTC One at this point? Probably not. The successor to the One is less than 100 days away, the Nexus 5 is out now for $350, and honestly, while the HTC One is beautiful, it has some severe limitations. The camera isn’t that great and the battery life is average to sub-average.

Know that before signing your life away.