T-Mobile offers the Microsoft Lumia 640 No-Contract 8GB Windows Smartphone for T-Mobile
with free shipping
. (You'll have to pay in 24 monthly payments of $5.41.) That's the lowest total price we could find for this model in any no-contract version by $40. It features a 5" 1280x1080 LCD display, 1GB RAM, 8GB internal memory, 8-megapixel rear camera, 802.11n wireless, Bluetooth 4.0, and Windows 8.1 OS.
Of note, a $15 SIM Starter Kit fee applies, and if you cancel your plan before your 24 months is up, you'll owe the remaining balance of the phone.
Don't mind waiting a few days? It's rumored
that Walmart will begin selling this phone in-store for $100 beginning June 20.