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Jeremiah Torres
Jeremiah Torres

Best Buy Iphone Installment Plan

Rather than dropping its prices, Best Buy has decided it will no longer offer iPhone X, iPhone 8, and iPhone 8 Plus models for outright purchase, instead only selling them via carrier installment plans from Verizon, AT&T, and Sprint. The payment plans feature no extra charge, with the monthly device payments going directly to carriers.

best buy iphone installment plan

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"Although there was clearly demand for the un-activated iPhone X, selling it that way cost more money, causing some confusion with our customers and noise in the media," Best Buy spokeswoman Danielle Schumann said. "That's why we decided a few days ago to only sell the phone the traditional way, through installment billing plans."

When a customer purchases an iPhone via a carrier installment plan, Best Buy receives a payment from the carrier in question, but that payment is not received for iPhones at full price, which seems to be why Best Buy was charging an additional $100. No other retailer charges an additional $100 for the iPhone, though.

While Best Buy has stopped offering the latest iPhone models as an outright purchase sans installments, it is continuing to sell older models and charging a $50 premium on those devices when purchased without a carrier payment plan. The iPhone 7, for example, is priced at $599, $50 more than Apple charges.

Apple's iPhone Upgrade Program offered the same 24-month installment plan, with the option of upgrading to a new phone every year for free and trading in your old phone. However, if you paid the whole phone off, it didn't cost you any more than if you had paid upfront.

Carriers followed suit, and now, for the most part, all carriers and Apple offer monthly, no-money-down installment plans through which you purchase the phone from them over the course of 24 months. The monthly cost depends on the iPhone model you want, but across the different sellers, they're all the same.

AT&T is offering iPhone 13 and iPhone 13 Pro devices from just $10 per month on qualifying installment plans without the need to trade in your old phone. The discount saves you up to $370 and is applied as bill credits over 36 months. And while it's not required to get this deal, AT&T does offer discounts for trade-ins as well.

Surprisingly, Best Buy doesn't seem to be carrying any unlocked models of the iPhone SE. But if you're a T-Mobile customer, there is an offer you can take advantage of. Customers who use T-Mobile as their carrier can save up to $215 in monthly bill credits on their new iPhone SE. Just note that you'll have to add a new line of service, and choose the 24-month installment plan to get the discount. T-Mobile customers will also get an extra $100 in savings, on top of the usual value, when they trade in a used device.

Metro has the best prepaid offer of any retailer or carrier out there at the moment. When you purchase an iPhone SE at full retail price and switch your existing number over to Metro's $60-per-month unlimited data plan, you'll get an instant $330 rebate. Meaning you're getting the iPhone SE for a single $100 purchase, rather than discounted via monthly credits. Those who don't have a number to switch over can still save $100 with the activation of a new line on a qualifying Metro plan. If you're looking to purchase your phone outright, this is the best offer you'll find, though you'll have to actually go to the store in person to claim it.

An Equipment Installment Plan, or EIP, is the term for T-Mobile's device installments. Customers can split the cost of a new device over 24 (or sometimes 30) months with zero interest. These installment plans are usually required when taking advantage of T-Mobile's phone promotions, as the discounts are applied as a monthly credit over the length of the EIP term.

AT&T is offering up to $1,000 in bill credits with the purchase of an iPhone 13 Pro or iPhone 13 Pro Max if you select an eligible phone on a qualifying installment plan, add (or keep) a voice and data wireless plan costing more than $75/month, and provide an eligible trade-in with a minimum value of $180. The smartphone you trade in must be in working condition.

Xfinity Mobile is offering $300 off the price of the iPhone 13 (offered as a monthly device credit) when you buy or upgrade to a select iPhone 13 model via a 24=month installment plan and activate the phone on the Xfinity Mobile network. Other restrictions apply, but no trade-in is required. (You can save more with an eligible trade-in, however.) The Xfinity Mobile website is reporting that some iPhone 13 models are currently backordered until November 5.

Apple Watch Series 8 and new Apple Watch SE bring groundbreaking technology and performance, and important safety innovations to the two best-selling smartwatches. Apple Watch Series 8 maintains the current beloved design with a large, Always-On Retina display, 18-hour battery life, and a new Low Power Mode that can extend battery life to reach up to 36 hours5, while building on best-in-class health and safety features like the ECG app and Fall Detection by introducing temperature-sensing capabilities, retrospective ovulation estimates6, and Crash Detection and international roaming7. With international roaming, available later this year, users can stay connected to a cellular network while traveling abroad by adding Apple Watch to their iPhone roaming plan. Apple Watch Series 8 is available in two sizes, 41mm and 45mm, across a range of case finishes and colors including starlight, midnight, silver and PRODUCT(RED).3

Get the new iPhone 14 Pro (128GB), iPhone 14 Plus (128GB or 256GB) and iPhone 14 (128GB or 256GB) on us, or get the new iPhone 14 Pro Max for up to $1,000 off, when you buy on a qualifying installment plan with an eligible AT&T unlimited plan and trade-in an eligible smartphone1.

AT&T Business customers can also take advantage of our best deals on every iPhone! Plus, customers can save $150 on every new line they activate on an installment plan with an eligible AT&T Business Unlimited plan11. And starting Sept, 9, 2022, AT&T Business customers can pre-order the iPhone 14 for $199.99 with a two-year service commitment12. For more details, visit or, for larger customers, or

1 AT&T may temporarily slow data speeds if the network is busy. Limited time offer. Offers vary by device. Req's purch. on installment plan & elig. svc (min. $75/mo. before discounts). Well-qualified customers. Price after monthly credits over term of the installment plan. Trade-in must be in good condition with min. $230 trade-in value. If svc cancelled, credits stop & device balance due. For new lines, if svc on other lines cancelled w/in 90 days credits stop. No credit for optional $6/mo. Next Up upgrade feature. $35/ Activ./Upgrade, add'l fees, taxes & other charges, & restr's apply. See for more details.

Founded in 2012, Affirm is one of the original buy now, pay later apps. Affirm allows you to finance purchases of up to $17,500 and split it into multiple payments, choosing between multiple repayment plans. You can pay your purchase off over three, six or 12 monthly payments. You can also use the pay in 4 feature, allowing you to make a purchase now and pay it off over four installments-the first is due at checkout. With this option, you won't pay any interest fees.

The Apple Store app offers access to a variety of payment plans for your phone, including a one-time purchase, the Apple iPhone Upgrade Program, Apple Card monthly payments (if you have Apple Card), and the available AT&T, Verizon, and T-Mobile carrier installment plans.

The biggest reason you may want to avoid the program is the monthly cost. While a 128GB iPhone 13 mini starts at $19.45 per month through AT&T's installment plan (if you take the 36-month option), for instance, that same phone costs at least $30.37 a month through the iPhone Upgrade Program, which is through 24-months. And when all is said and done, and that iPhone 12 mini is paid off, on AT&T you'll have paid $700, while with Apple, you'll have paid $729. The price of AppleCare+ is factored into Apple's monthly installment, but if you don't feel you need the protection, why pay more for it?

If you'd rather not pay all of that money at once, you can spread it out over multiple months with an installment plan. It's exactly what it sounds like: You take the full price of the phone and divide it up over 12, 24, or 36 monthly payments (usually with 0% interest).

Buy Now Pay Later (BNPL) apps and services allow businesses to offer their customers the option of paying for an item over time through a set number of installments. Buy Now Pay Later services and apps are also known as installment payment services.Compare the best Buy Now Pay Later apps for iPhone currently available using the table below.

Beginning on Thursday and running through the end of the day on Sunday, Best Buy will give you a guaranteed $200 gift card when you trade in a working iPhone 5s or better and buy or lease an iPhone 6s with a two-year contract or a monthly installment plan on AT&T, Verizon or Sprint.

You may be able to sign up for a monthly installment plan and pay off your phone over time without paying any interest. Some carriers may offer special discounts if you pay for your new phone with a monthly installment plan. However, the discount is typically applied to your monthly bill, so you may lose some of the savings if you switch carriers.

There are also payment and upgrade plans, which are a type of installment plan that allows you to periodically upgrade to a newer phone by trading in your current model. Depending on the carrier, these may be leases with the option to buy or payment plans that result in you owning the phone outright if you don't opt for an upgrade.

The Apple Card gives you 3% cash back on anything you buy from Apple, and at select merchants like Uber, Nike, Walgreens and more when you use Apple Card with Apple Pay; 2% when you use Apple Pay at over 85% of merchants in the U.S.; and 1% cash back on all other purchases. You could also pay off your new iPhone over 24 months without paying additional interest. The monthly payment amount gets added to your minimum payment if you also use the card for other transactions. You can also avoid interest on purchases if you pay off your non-installment-plan balance in full each month. 041b061a72

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