Best way to finance iPhone 7 without a carrier

Discussion in 'iPhone 7' started by car121, Oct 3, 2016.

  1. car121

    car121 New Member

    Joined:
    Oct 10, 2012
    Messages:
    9
    Likes Received:
    7
    Trophy Points:
    3
    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.
     
  2. Poisonivy

    Poisonivy Administrator Staff Member

    Joined:
    Oct 4, 2011
    Messages:
    14,599
    Likes Received:
    6,478
    Trophy Points:
    113
    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.
     
  3. car121

    car121 New Member

    Joined:
    Oct 10, 2012
    Messages:
    9
    Likes Received:
    7
    Trophy Points:
    3
    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.
     
    • Like Like x 1
  4. KevinJS

    KevinJS Super Moderator Staff Member

    Joined:
    Mar 20, 2012
    Messages:
    2,311
    Likes Received:
    1,957
    Trophy Points:
    113
    Location:
    Alberta Canada
    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.
     
    • Like Like x 2
  5. 03hdfatboy

    03hdfatboy Well-Known Member

    Joined:
    Jun 30, 2010
    Messages:
    612
    Likes Received:
    789
    Trophy Points:
    93
    Location:
    Arizona
    I got mine financed through apple. My phone is unlocked. And I'm not having to deal with at&t
     
    • Like Like x 3
  6. car121

    car121 New Member

    Joined:
    Oct 10, 2012
    Messages:
    9
    Likes Received:
    7
    Trophy Points:
    3
    03hdfatboy were able to buy it here in the US? And which Apple Store ?
     
  7. 03hdfatboy

    03hdfatboy Well-Known Member

    Joined:
    Jun 30, 2010
    Messages:
    612
    Likes Received:
    789
    Trophy Points:
    93
    Location:
    Arizona
    Yes and I did it online
     
  8. car121

    car121 New Member

    Joined:
    Oct 10, 2012
    Messages:
    9
    Likes Received:
    7
    Trophy Points:
    3
    I tried the Apple online store, still need to pick a carrier, can't proceed unless you pick one. How you get around that.
     
  9. 03hdfatboy

    03hdfatboy Well-Known Member

    Joined:
    Jun 30, 2010
    Messages:
    612
    Likes Received:
    789
    Trophy Points:
    93
    Location:
    Arizona
    I had to pick one also but it's still unlocked. Who do you use now?
     
  10. car121

    car121 New Member

    Joined:
    Oct 10, 2012
    Messages:
    9
    Likes Received:
    7
    Trophy Points:
    3
    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.
     
    • Like Like x 1
  11. 03hdfatboy

    03hdfatboy Well-Known Member

    Joined:
    Jun 30, 2010
    Messages:
    612
    Likes Received:
    789
    Trophy Points:
    93
    Location:
    Arizona
    Yeah just get one for AT&T
     
  12. Junior

    Junior Well-Known Member

    Joined:
    Mar 16, 2011
    Messages:
    450
    Likes Received:
    459
    Trophy Points:
    63
    Location:
    Canada
    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.
     
    • Like Like x 2
  13. Poisonivy

    Poisonivy Administrator Staff Member

    Joined:
    Oct 4, 2011
    Messages:
    14,599
    Likes Received:
    6,478
    Trophy Points:
    113
    There's nothing wrong with credit if it is handled sensibly, It can be very useful.
     
    • Agree Agree x 3
  14. 03hdfatboy

    03hdfatboy Well-Known Member

    Joined:
    Jun 30, 2010
    Messages:
    612
    Likes Received:
    789
    Trophy Points:
    93
    Location:
    Arizona
    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.
     
    • Informative Informative x 3
  15. puck28

    puck28 New Member

    Joined:
    Oct 5, 2016
    Messages:
    1
    Likes Received:
    1
    Trophy Points:
    3
    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.
     
    • Like Like x 1
    • Agree Agree x 1

Share This Page