I dont have a credit history here and am not willing to be locked in on a plan or pay a 500$ security deposit.

I told them I have an unlocked N81. I chose T-mobile FlexPay month to month from the indvidual plan. I chose 29.99$ 300minutes, and the services is 9.99$ for data alone 'unlimited' + 10$ for the SIM card - 55$ with tax. and monthly 43$

I have ordered one , so let me see how it goes with my N81. My N81 is getting old, lots of cracks due to heavy use, very low battery life and the N810 touch screen is dead.