iPhone X Can I sell my phone if I still owe on it?

Brandonjr36

macrumors 68000
Original poster
Sep 12, 2016
1,621
528
Joplin
Hey guys I’m wanting to sell my iPhone X when the galaxy S10 comes out and get it. But I want to continue making payments on the iPhone as I get a credit on it and my directv. Am I allowed to do that? Would the people I sell it to have any issues? I will definitely pay it off after the months end. I just don’t want to lose both my credits.
 

antisomnic

macrumors regular
Jul 6, 2012
163
59
I owed 400 on my iPhone 8 Plus and I upgraded to the XS Max. I sold the 8 Plus and paid Verizon what I owed. Keep in mind I purchased my XS Max at target not a Verizon store
 

imaccooper

macrumors 6502
May 29, 2014
305
97
North Carolina
I’m fairly sure when you switch to a new device and deactivate the iPhone you will have to pay the remaining balance. I assume you have ATT since you are getting directv credits so maybe when you put a new phone on there you can keep those, but I know with Verizon I would have to pay the remaining balance on the phone if I deactivated it, which you would obviously have to do to sell it.
 

Chaim18

macrumors newbie
Nov 3, 2018
5
1
Monsey, NY
From my experience with the AT&T Next program, you can sell it anytime you want and keep paying the monthly payments. Have done this many times without any problems.
 

lordofthereef

macrumors G5
Nov 29, 2011
12,867
3,405
Boston, MA
Unless it's through apples upgrade program it would be locked. And locked devices typically demand a considerably lower sale price. Otherwise I see no issues.
 

acorntoy

macrumors 65816
May 25, 2010
1,356
1,123
Has no affect on the buyer
It completely does.

Would you buy something knowing the person had not paid it off, and if they stopped it would be labeled as stolen property that you would then be liable for possessing?


I’m not saying OP would, I’m just saying it’s shady. Don’t owe money on things your selling. In the future avoid carrier deals that credit every month over a period of 24 months if your an early upgrader.
 

Five_Oh

macrumors regular
Jan 7, 2017
230
201
Flyover Country, USA
Agree with Acorn. I don't think you will have any technical issues doing what you propose.

However, I think ethically you should disclose the situation to any prospective buyers. Which, unfortunately, will likely make it difficult to sell to anyone that doesn't know and trust you already.

Think about it like this: How would you feel if you purchased phone not knowing there was an outstanding payment plan attached, and then decide to change carriers and can't unlock it?

Or worse yet, even though you have good intentions, what if an adverse financial situation befalls you and you can't make the payment, or miss it for another reason. The buyer would then have a bricked phone through no fault of their own. They should be informed about this risk before purchase, IMO.
 
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C DM

macrumors Sandy Bridge
Oct 17, 2011
47,422
15,974
Unless it's through apples upgrade program it would be locked. And locked devices typically demand a considerably lower sale price. Otherwise I see no issues.
Verizon's are typically unlocked, for example.
 

Phone Junky

macrumors 65816
Oct 29, 2011
1,386
2,094
Sunshine State
It completely does.

Would you buy something knowing the person had not paid it off, and if they stopped it would be labeled as stolen property that you would then be liable for possessing?


I’m not saying OP would, I’m just saying it’s shady. Don’t owe money on things your selling. In the future avoid carrier deals that credit every month over a period of 24 months if your an early upgrader.
This exactly. If you want to sell your phone on Swappa, they run your IMEI (or one of those numbers) and check if your phone is still on a payment plan. If it is, you can't sell it on Swappa. Last year I got a new X so I was swapping phones around between my mom and dad and I. Mom's got sold on Swappa and when I went to list it, it had a couple more payments left so I had to go my At&t account and pay it off to sell it on Swappa.
 
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jona2125

macrumors 6502a
Jul 12, 2010
765
629
This exactly. If you want to sell your phone on Swappa, they run your IMEI (or one of those numbers) and check if your phone is still on a payment plan. If it is, you can't sell it on Swappa. Last year I got a new X so I was swapping phones around between my mom and dad and I. Mom's got sold on Swappa and when I went to list it, it had a couple more payments left so I had to go my At&t account and pay it off to sell it on Swappa.
Swappa is very good at getting those results but it's not always accurate. I have sold several devices on Swappa that passed their tests but still had payment credits left on them.
 

kingston73

macrumors 6502a
Dec 23, 2015
920
566
This exactly. If you want to sell your phone on Swappa, they run your IMEI (or one of those numbers) and check if your phone is still on a payment plan. If it is, you can't sell it on Swappa. Last year I got a new X so I was swapping phones around between my mom and dad and I. Mom's got sold on Swappa and when I went to list it, it had a couple more payments left so I had to go my At&t account and pay it off to sell it on Swappa.
Same thing here, tried to list a phone on swappa that still had payments and I had to pay it off before being allowed to list it.

OP, do what you want but IMO you're going to have a very hard time selling a phone that still has money owed on it, unless you don't disclose that you still owe money. If that happens and the buyer has issues they could possibly dispute that charge and then you might have to refund them.

Overall I think you're just asking for trouble selling a phone you don't actually own yet.
 

SquireSCA

Suspended
Dec 5, 2008
346
735
Atlanta, GA
When I sold my Galaxy S9+ I think I had like $183 on the "Next" balance, that I had to pay in order for the new buyer to activate it on his account. It's not an issue of the phone, as much as what your carrier allows...
 

C DM

macrumors Sandy Bridge
Oct 17, 2011
47,422
15,974
Not sure I'm following you. The new phone would come with the same discounts. The discounts go with the account not the phone.
There are at times offers that come at the time of getting the phone. It sounds like at the time the iPhone X was obtained it came with an offer that while it was on a payment plan there would be a monthly discount for it, so paying it off early wouldn't get the full benefit of that discount that is stretched out over the period of the payment plan on a monthly basis.
 

jtrue28

macrumors 6502a
Apr 10, 2015
775
348
Lexington, KY
Phones are unlocked if bought through IUP. Fairly certain Citizens One doesn’t care what the OP does with their phone, as long as they pay off their loan.
 

jtara

macrumors 68000
Mar 23, 2009
1,826
432
This applies to shorting stocks, but is relevant here as well:

"He who sells what isn't his'n...
Must buy it back or go to prison!" - Author Unknown
 
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