I see on koodo help they said : "
- if you have a positive Tab balance, you can request an unlock any time
Best answer by Paul Deschamps
You can even if you haven't paid your tab in full, you just have to be a customer for 90 days OR if you pay for the phone in full at point of purchase you can unlock immediately through the carrier. You can also unlock with a 3rd party unlocking service such as gsmliberty.com the or Cellunlocker.Net.
You will be charged an unlocking fee from Koodo to do so as well as from 3rd party unlocking services. In your instance you should Be able to pay your tab in full and then unlock the phone as you have then paid your phone in full.