---
title: "Payment Plan Downsell"
description: "Close people who say it costs too much by changing when they pay."
canonical: https://tomsharman.com/bookshelf/100m-money-models/payment-plan-downsell/
updated: 2026-11-03
---

# Payment Plan Downsell

> Close people who say it costs too much by changing when they pay.

Alex Hormozi's framework, from $100M Money Models, pp. 111 to 142.

Framework 10 of 17 from [$100M Money Models](https://tomsharman.com/bookshelf/100m-money-models/index.md) by Alex Hormozi. Category: Offers and pricing.

## The steps

1. **Reward paying in full.** Present the price with the interest included, then discount for prepaying.
2. **Offer outside finance.** Third party financing, credit card or layaway.
3. **Half now, half later.** Schedule the second payment on their payday.
4. **Check they still want it.** Ask for a 1 to 10 score and look for 8 or above.
5. **Split into three.** A third now and a third on the next two paychecks or months.
6. **Spread evenly.** Equal payments over the length of the service.
7. **Offer a free trial.** Take a card in exchange for starting free.

## Where it comes from

From chapter: Section IV: Downsell Offers, pp. 111–142

## The animation

24 seconds, 4:5, no sound.

- MP4: https://tomsharman-downloads-006143767029.s3.eu-north-1.amazonaws.com/downloads/bookshelf/100m-money-models/payment-plan-downsell.mp4
- MP4, dark: https://tomsharman-downloads-006143767029.s3.eu-north-1.amazonaws.com/downloads/bookshelf/100m-money-models/payment-plan-downsell-dark.mp4
- Still: https://tomsharman-downloads-006143767029.s3.eu-north-1.amazonaws.com/downloads/bookshelf/100m-money-models/payment-plan-downsell.png
- Still, dark: https://tomsharman-downloads-006143767029.s3.eu-north-1.amazonaws.com/downloads/bookshelf/100m-money-models/payment-plan-downsell-dark.png