I financed an ipad through verizon awhile back and it was fine. It’s 0% financing so youre literally paying just the sale price without any extra funny charges and when i did mine, they had a promo going on that if you bought it on payments get $100 off.
Advantage of verizon or apple? None really. Unless there’s something I’m totally spacing out on, apple would only finance you through their credit card (which I’m not applying for) and verizon at least you just have to have an account and youre good to go. Warranty is the same no matter who you buy with.
Personally, i’m living the Dave Ramsay lifestyle and not financing things anymore. Just buying outright. My thinking is if i cant afford to buy it, I probably cant afford It. And I’d rather save for a month or two to buy it than have 24 months worth of commitment. But you do you brother