Starlink Mini installment plan: 12 payments at 0% APR, with strings

What happened

Starlink’s US legal page gained a new document on Jul 21, 2026: a Retail Installment Agreement with federal Truth in Lending disclosures. It covers financing one Starlink Mini Kit, the small portable dish. The lender is Space Exploration Technologies Corp.

What the agreement says

Item	As written in the agreement
Annual percentage rate	0%
Finance charge	$0
Amount financed	$192.00
Payments	12 monthly payments of $16.00
First payment	The earlier of activation, 7 days after delivery, or 30 days after shipping if no delivery date is available
Late charge	None, but missed payments can lead to default
Prepayment	Allowed at any time, without penalty

The condition that matters. The plan is based on staying continuously subscribed for 12 months. On a Residential plan, any of the following makes the remaining balance due straight away, a charge the agreement calls a “Kit Termination Fee”: cancelling service, transferring the kit, changing your registered country, changing your service plan, or turning on Standby Mode. On a Roam plan, the same rules apply, except that you may switch between Roam plans or use Standby Mode. Default can lead to collections and credit-bureau reporting.

The numbers don’t match Starlink’s own order data

On Oct 6, 2026 we read the plan and kit data that starlink.com/roam loads, with no address entered. It listed the Mini Kit at $149, and an installment option labelled “$12.41/mo for 12-months”, which comes to about $149 in total. That’s lower than the $192 named in the agreement. We can’t tell from outside which applies to a given order, or whether the agreement will be republished. Read the figures on the order screen and in the agreement you accept before you pay.

What it means if you’re using a referral code

Nothing about installments involves a code. Starlink’s referral help article says the free month applies when you sign up for Residential or Roam on starlink.com through a referral link. Paying for the kit in installments doesn’t change that route. But Starlink hasn’t said how the installment option and the referral credit interact, so we don’t say either way. Our where to enter it guide covers the checkout steps. Our promo code guide explains why “Mini discount codes” aren’t real.

What you can check now

1. On the order page, compare the monthly amount, the number of payments and the total with the agreement shown at checkout.
2. If you might move abroad, change plans or pause service within a year, the balance could come due early.
3. Look for “Referral Code Applied” before paying if you’re ordering through a referral link.

What stays the same

There’s still no code box at checkout, and nothing in the installment agreement mentions codes or coupons. Our FAQ still answers the timing questions about the free month.