Once you have downloaded the complete Map from Nokia Maploader/Mapsource ( for Garmin) you dont have to pay for th GPS....I mean you dont have to get connected to internet via service provider.

Nokia N95 ,N 96, E90,6110,6210,E71,N79,N85 tec...almost all the new premium range phone has GPS...

most of the phones come with 1 year valid license...