I posted this question in another thread, but didn't get a response, so I thought I'd create a separate thread for it. Prior to buying my 6s Plus, I used AT&T Next. I opted for the BarclaysCard financing when I got the 6s Plus and completely paid the phone off within the 12 month promotional period. I've noticed that Apple also has an Apple iPhone Payments option on its website, which appears similar to the AIUP, but doesn't have the annual upgrade and excludes AppleCare+. When opting for this payment method, you receive an unlocked iPhone with either your carrier's SIM card, or no SIM card at all. Since Apple usually waits a couple of months after the release date to make unlocked models available for purchase, does anyone know if the Apple iPhone Payments was available on release dates during the previous iPhone cycles? I am not really interested in paying extra for AppleCare+, nor do I want to have my phone payment tied to AT&T. If worst comes to worst, I'll use the BarclayCard financing, but I'd prefer to have the payments broken into 24 months, instead of 12.