If you don't want to buy the new iPhone on a lengthy installment plan that penalizes you for early pay off, consider Klarna. I performed a test run on the Apple site and Klarna worked, splitting purchase into 4 non-interest payments over time. I simply didn't hit the final submit button. I used a 14 Pro Max 516GB as a potential purchase. The Apple site does not have a "pay with Klarna" option. So I installed the Klarna app which has a link to the Apple store. Going through that link I can pay with Klarna. This is just an alternative if the traditional payment methods aren't best for you or not available to you.
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