Did you buy your iPhone outright, or pay monthly?

Discussion in 'iPhone' started by geoff5093, Jun 16, 2017.

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Did you buy your iPhone outright, or pay monthly?

  1. Monthly (Through Carrier)

    64 vote(s)
    28.7%
  2. Monthly (Apple Upgrade Program)

    27 vote(s)
    12.1%
  3. Bought Out Right

    123 vote(s)
    55.2%
  4. Other (Please State)

    9 vote(s)
    4.0%
  1. geoff5093 macrumors 68020

    geoff5093

    Joined:
    Sep 16, 2014
    Location:
    Dover, NH
    #1
    I'm curious how many of you decide to buy your iPhone outright versus paying for it monthly with an EIP from your carrier or the Apple Upgrade Program.
     
  2. rui no onna macrumors 603

    rui no onna

    Joined:
    Oct 25, 2013
    #2
    Monthly via carrier. Got a promo - $650 trade-in credit for iPhone 6 (spread out for 24 months) when you buy iPhone 7.
     
  3. Applejuiced macrumors Westmere

    Applejuiced

    Joined:
    Apr 16, 2008
    Location:
    At the iPhone hacks section.
    #3
    Same here.
    I traded in my iPhone 6 and got my i7 free with 24 months of bill credits.
    Off course I have to stay with them for 24 months since the day it came out in order to receive it for free.
    But still a good deal and I don't really have to pay out of pocket.
     
  4. Closingracer macrumors 68030

    Joined:
    Jul 13, 2010
    #4
    Leasing it. Paying $13 a month for the device and get the benefit or just returning it and leasing another. Yeah I know I could probably make more selling it but it's easier to just return it.
     
  5. Freakonomics101 macrumors 65816

    Freakonomics101

    Joined:
    Nov 6, 2014
  6. Applejuiced macrumors Westmere

    Applejuiced

    Joined:
    Apr 16, 2008
    Location:
    At the iPhone hacks section.
    #6
    I hate the whole concept of leasing anything. Especially a cellphone.
    It reminds me of car leases:)
     
  7. Closingracer macrumors 68030

    Joined:
    Jul 13, 2010
    #7
    Why not? You're not paying interest and you don't shell out all of the money at once. Financially if you're not upgrading yearly it would be better to
     
  8. fartnugget213 macrumors member

    Joined:
    Apr 6, 2017
    #8
    Bought it for $945, let me tell you, I didn't like it that much at that moment! Hahaha
     
  9. Applejuiced, Jun 16, 2017
    Last edited: Jun 16, 2017

    Applejuiced macrumors Westmere

    Applejuiced

    Joined:
    Apr 16, 2008
    Location:
    At the iPhone hacks section.
    #9
    I hate the idea of financing a phone.
    Nowadays you see people financing everything. They finance tv's, washers, furniture, they finance wifi routers from their internet provider and many other things like that.
     
  10. skinsone macrumors regular

    Joined:
    Dec 27, 2006
    #10
    I'm like you, I don't finance anything. I charge most everything and pay the card in full every month. I like getting that cash rewards every year which ends up paying for Christmas gifts.

    I own my unlocked iPhone outright after I purchased it. Leasing any phone still ties you to the carrier for a year or more. And if you want to switch carriers you still have to pay off any balance before you can switch.

    Also I don't follow the trend of getting a new iPhone everytime a new version is released. My 6s which I got last Oct will last until the updates no longer kept it working smoothly.
     
  11. Closingracer macrumors 68030

    Joined:
    Jul 13, 2010
    #11
    Still. It's 0 interest and you don't shell out $750 outright in my case. Plus I'm done selling phones online...not worth the hassle and rather just give it back in for my case.
     
  12. Applejuiced macrumors Westmere

    Applejuiced

    Joined:
    Apr 16, 2008
    Location:
    At the iPhone hacks section.
    #12
    Same here.
    I Pay off cards in full each month to avoid interest and I get point rewards to use on amazon.
    I can't see myself making 2-3 year payments on a cellphone.
    Even when I buy a car I pay it off within 1-2 years instead of making the minimum payments for 5 years.
    --- Post Merged, Jun 16, 2017 ---
    I just find it a pain and unnecessary to drag it that long.
    And I rather sell it online myself than leave $100-200 on the table for someone else to profit off me.
    It's not much of a hassle taking 2-3 pictures and posting a quick ad on swappa.
    And then drop it off at the post office next day.
     
  13. Givmeabrek macrumors 68040

    Givmeabrek

    Joined:
    Apr 20, 2009
    Location:
    NY
    #13
    I pay full price. I can't see taking out a loan to buy a phone. Makes more sense to buy what you can afford.
     
  14. Freakonomics101 macrumors 65816

    Freakonomics101

    Joined:
    Nov 6, 2014
    #14
    I usually get $100-200 less than retail doing it that way. Plus, I’m now on prepaid so financing isn’t even an option anymore.
     
  15. Closingracer macrumors 68030

    Joined:
    Jul 13, 2010
    #15


    I Don't deal with swappa.... If I'm going to sell my phone it will be on Craigslist. I live in NYC so I can get it done quickly and not take any fees. That being said I rather not go through the hassle and the loss of $100 bucks is worth leasing the phone for me. I just don't care and you can always pay off the phone whenever you want to.
     
  16. Applejuiced macrumors Westmere

    Applejuiced

    Joined:
    Apr 16, 2008
    Location:
    At the iPhone hacks section.
    #16
    You should deal with Swappa. The $5 fee they charge is nothing.
    I find Swappa quick and easy but whatever works for you.
    Here CL is full of lowballers or people that waste your time and never show up with the money.
    I dont have time for 100 emails and the back and forth of CL.
    The loss of $100-200 is never worth it to me.
    I dont like to hand out free money and make iphone resale companies rich.
     
  17. Closingracer macrumors 68030

    Joined:
    Jul 13, 2010
    #17
    Time is money and I rather have my time than that $100 IMHO. Swappa besides the fee I just don't want to deal with boxing it up. Trust me I've gone through yearly upgrades and I'm just tired of it.

    Smartphones in order:
    IPhone 3GS
    IPhone 4
    Samsung Galaxy S2 Skyrocket
    Samsung Galaxy S3
    Samsung Galaxy S4
    Samsung Galaxy Note 3
    Samsung Galaxy Note 4
    Nexus 5
    IPhone 6 plus
    IPhone 7

    Most of those were yearly except for the iPhone ones. I've sold the others on CL and ebay and just dine with it myself.
     
  18. eyoungren macrumors Core

    eyoungren

    Joined:
    Aug 31, 2011
    Location:
    ten-zero-eleven-zero-zero by zero-two
    #18
    Lease to EIP. Two years ago was a different situation for us. Before that we used carrier contracts.

    Next year (after all the noise about the new iPhone has died down) if we are getting the iPhone we'll buy outright.

    I'm not getting clear of EIP payments just to go back to more EIP payments.
     
  19. Applejuiced, Jun 16, 2017
    Last edited: Jun 16, 2017

    Applejuiced macrumors Westmere

    Applejuiced

    Joined:
    Apr 16, 2008
    Location:
    At the iPhone hacks section.
    #19
    I understand, its your choice off course. You must be pretty rich.
    Boxing it up takes less than a minute, definitely worth $100-160 to me to box it up myself :D
     
  20. danny842003 macrumors 6502a

    danny842003

    Joined:
    Jun 6, 2017
    #20
    I have always got them through the carrier because I have never been in the position to drop that much money on a phone outright.
    I am probably in a position to do so now but I'm heading to Europe for a month just after the new one comes out so perhaps again I'm not really in a position to do it this year either.
    I want to get it before the trip to have the upgraded camera. Going from a 6s to the plus model this time I think.
     
  21. estabya macrumors 6502

    estabya

    Joined:
    Jun 28, 2014
    #21
    My 7+ is financed because Best Buy had a $200 off sale when bought through ATT Next. I will probably pay it off once the balance gets below $500.

    My wife's 6S+ was purchased outright.

    My sister's 6S (on my plan) is purchased on ATT Next with the promo where it's free but spread through 24 months or whatever.
     
  22. Reno Raines macrumors 65816

    Joined:
    Jul 19, 2015
    #22
    Last several phones I bought outright from either the manufacturer or my carrier. The idea of owing money to others is just not for me plus I like the idea of owning something.
     
  23. MultiFinder17 macrumors 68000

    MultiFinder17

    Joined:
    Jan 8, 2008
    Location:
    Tampa, Florida
    #23
    I have purchased my last few iPhones outright unlocked from Apple.
     
  24. MuGeN PoWeR macrumors 68020

    MuGeN PoWeR

    Joined:
    Jun 29, 2011
    #24
    one monthly through AT&T
    one monthly through iPhone upgrade program
     
  25. AidenL macrumors 6502

    Joined:
    Jan 19, 2013
    Location:
    Ireland

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