Apple is known for its products, quality, and services. The brand seamlessly combines technology with design and comes up with new products for consumers each year. Buying an iPhone and its accessories can be a tad bit pricey, and buyers might want to make the purchase in installments instead of paying for it upfront. Fortunately, there are a number of ways customers can own an iPhone without paying its full price. 

Carrier deals

Telecom carriers are aware of their customer’s preferences and want. They often come up with trade-in deals that can help their customers get their hands on the new iPhones.

Customers can verify whether the carrier offers payment options such as bank loans or pay-late plans. Combining the loan with the trade-in deal can reduce the amount they need to pay for the new phone. This will also enable buyers to get the phone right away by paying a small upfront amount. Bank loans, however, may or may not charge interest on the amount being borrowed. If the interest charges apply, customers will incur additional costs for the iPhone by the time they repay the loan.

Carrier financing

Phone carriers also have a host of options for buyers to finance their iPhone purchases. Customers should research the available deals from various carriers and compare them with those offered by their current carrier. Buyers can also head to the Apple website or store to seek help from the store staff in comparing and finding the best deal. Some carriers offer plan-only deals that can benefit the buyer or their family. In some cases , they might be required to sign up for a new plan with the carrier.

With their current carrier, however, buyers might need to sign up for a costlier plan or upgrade to a different one to purchase the new iPhone in installments. In that case, it is best to look for other carrier options. Buyers can look up the major telecom carriers in the country and review the available offers for iPhone purchases. Carriers might offer 0% APR deals for the purchase and divide the phone price into 24-36 monthly installments. The cost will then be added to the carrier bill.

Apple card

The system initially prompts individuals to select their preferred color, model, specifications, and other characteristics when they purchase a new iPhone. Upon reaching the checkout stage of the purchase, the system prompts them to select their preferred payment method. Here, Apple offers customers the option to pay with their Apple card. The company provides this service to allow buyers to purchase their favorite products in installments without incurring interest. Here, customers simply need to open the Wallet app on the iPhone and sign up for an Apple Card. They can also buy an iPhone from an Apple Store with the card. The app allows them to check installment status and some other details. Additionally, they can enjoy 3% daily cashback on purchases made with Apple Card.

Pay later plans

Buy Now, Pay Later plans can be used to purchase several different products and services. Customers who want to buy an iPhone in installments in the country can try this payment method. It is similar to shopping with a credit card. Most BNPL plans offer the option of weekly repayments as opposed to monthly repayments like those associated with loans. In that case, buyers need to repay the iPhone price in weekly installments over a period of six or more weeks. This still gives them enough time to purchase the desired phone and make the installment payments later. However, like with credit cards, customers need to have a good credit track record and history to ensure they are eligible for the plan. Once the purchase is complete, no interest or transaction fees are associated with the repayment. This also means the buyer gets the new iPhone for the actual price, not at a higher price.

Upgrade programs

Another option for iPhone enthusiasts is to purchase their new iPhone with the help of upgrade programs. This program is particularly advantageous for those who want to upgrade to the latest iPhone models. Here, the cost of the smartphone is broken down into equal monthly installments over a period of time. These are all interest-free payments. Once the buyer has paid a certain number of payments, they are then eligible to upgrade to the newest iPhone. However, in doing so, their loan resets, and they go back to the original number of monthly payments they were supposed to make. For example, suppose the initial iPhone they purchased was set for 24 monthly installments, and they upgraded after 12 repayments. Their new iPhone will now start in Month 1, and the payment will be for 24 months.

So, those who live in the country can look into these payment options to secure an iPhone without paying its full price in one go.