Not honest

I upgraded my phone 18 months ago. I called to find out if I could settle the full amount. Only to find out that the phone is to be paid over 3 years, not 2 years as was all the previous times I upgraded. I think the consultant should have mentioned this. I know I should have read the contract, but as a customer for at least a decade and I've had numerous upgrades which I paid over 24 months.