Best way to finance iPhone 7 without a carrier

car121 · Oct 3, 2016

Anyone done research on the best way to finance an Iphone 7, without committing to a carrier and with 0% APR. Apple is offering a finance program, but you have to comit to a major carrier. Curious if any other offers out there.

Pinkpoison · Oct 3, 2016

I bought mine outright but a friend bought hers with a 0% credit card, As long as it's paid off in the time stated there's no interest to pay.

I'm in the UK though and we can buy iPhone unlocked.

car121 · Oct 3, 2016

Oh I see, yea finding a credit card with 0% APR would be a way, but I'm in US and still waiting on sim free.

KevinJS · Oct 3, 2016

I pay an extra $100 tax on every pay check so that when things like this come up I have the funds available. Unfortunately it means waiting until end of tax year.

03hdfatboy · Oct 4, 2016

I got mine financed through apple. My phone is unlocked. And I'm not having to deal with at&t

car121 · Oct 4, 2016

03hdfatboy were able to buy it here in the US? And which Apple Store ?

03hdfatboy · Oct 4, 2016

car121 said:
03hdfatboy were able to buy it here in the US? And which Apple Store ?

Yes and I did it online

car121 · Oct 5, 2016

I tried the Apple online store, still need to pick a carrier, can't proceed unless you pick one. How you get around that.

03hdfatboy · Oct 5, 2016

car121 said:
I tried the Apple online store, still need to pick a carrier, can't proceed unless you pick one. How you get around that.

I had to pick one also but it's still unlocked. Who do you use now?

car121 · Oct 5, 2016

I have straight talk they work on the same towers as AT&T. So I guess here in the US you still need an account with one major carrier to finance it.

03hdfatboy · Oct 5, 2016

car121 said:
I have straight talk they work on the same towers as AT&T. So I guess here in the US you still need an account with one major carrier to finance it.

Yeah just get one for AT&T

Junior · Oct 5, 2016

Personally, if I can't afford something outright, I try to buy one that I can afford.

Credit is for suckers.

But then again, I might just be making too much sense. Dunno.

Pinkpoison · Oct 5, 2016

Junior said:
Personally, if I can't afford something outright, I try to buy one that I can afford.

Credit is for suckers.

But then again, I might just be making too much sense. Dunno.

There's nothing wrong with credit if it is handled sensibly, It can be very useful.

03hdfatboy · Oct 5, 2016

Junior said:
Personally, if I can't afford something outright, I try to buy one that I can afford.

Credit is for suckers.

But then again, I might just be making too much sense. Dunno.

I used to do that also. Keep it a year sell it and help pay for another But with the 12 mo trade up program through apple it works out to be about what I'd get for my old one if I were to sell it. Kinda balances out.

puck28 · Oct 5, 2016

car121 said:
I tried the Apple online store, still need to pick a carrier, can't proceed unless you pick one. How you get around that.

If you are upgrading then you have to choose a Carrier. However if you finance the phone through the Iphone Upgrade Program, the phone will be unlocked and you can got to any carrier you want. However if you buy an AT&T phone through Apple it won't work with Verizon or Sprint. If you buy a iPhone from Apple it is best to get it through Verizon or Sprint. That way you can go to any carrier. Your phone will be unlocked with no contract, so if you pick a carrier and don't like it you could move to another one. There is no contract. The only thing the carrier owns is the service, not the phone itself.