iPhone 8(+) iPhone Financing

Discussion in 'iPhone' started by jakesaunders27, Feb 8, 2018.

  1. jakesaunders27 macrumors 6502a

    jakesaunders27

    Joined:
    Jan 23, 2012
    Location:
    United Kingdom
    #1
    Hi All,

    Currently have a iPhone 8 Plus financed under Barclays Partner Finance 0%, I fancy changing it for an iPhone X, can I somehow change my finance onto an iPhone X and pay the difference and return the 8 Plus? I suppose it would now be classed as "used" but just wanted to know if anything like this is possible?

    Thanks,
    Jake
     
  2. -Gonzo- macrumors 6502

    -Gonzo-

    Joined:
    Nov 14, 2015
    #2
    Suppose it all depends on how long you’ve had it, but usually you’d at leat have to run through to your minimum term as it should say when you log into the Apple Store App.
    Have a look through the Ts & Cs as I’m pretty sure it covers that in there somewhere.
     
  3. jakesaunders27 thread starter macrumors 6502a

    jakesaunders27

    Joined:
    Jan 23, 2012
    Location:
    United Kingdom
    #3
    Thanks mate, ill have a look
     
  4. -Gonzo- macrumors 6502

    -Gonzo-

    Joined:
    Nov 14, 2015
    #4
    Just looked at mine and selected upgrade and it told me how much I’d need to pay upfront first which for me would be £484.45 as you have to pay off remaining balance of the first 11 months.
     
  5. jav6454 macrumors P6

    jav6454

    Joined:
    Nov 14, 2007
    Location:
    1 Geostationary Tower Plaza
    #5
    Talk to your bank and see what their terms are. We all here will most likely just guess as to what's going to happen.
     
  6. TomOSeven macrumors 6502

    TomOSeven

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    Jul 4, 2017
  7. jakesaunders27 thread starter macrumors 6502a

    jakesaunders27

    Joined:
    Jan 23, 2012
    Location:
    United Kingdom
    #7
    Just the Apple 0% finance, I haven't taken a loan from Barclays, Apple have just partnered with them for the finance options
     
  8. MacDawg macrumors Core

    MacDawg

    Joined:
    Mar 20, 2004
    Location:
    "Between the Hedges"
    #8
    Everyone on an upgrade program is "taking a loan" and financing at 0%
    Me included
     
  9. TomOSeven macrumors 6502

    TomOSeven

    Joined:
    Jul 4, 2017
    #9
    That doesn't seem any less mental to me.
     
  10. -Gonzo- macrumors 6502

    -Gonzo-

    Joined:
    Nov 14, 2015
    #10
    Why? not everyone has the budget to buy a phone outright and I think it’s also better than being stuck in a 2 year contract with a network.
    Apple Care is included for any unforeseen mishaps.
    Also after 12 months you hand it back and get the new one if you wish.
     
  11. TomOSeven macrumors 6502

    TomOSeven

    Joined:
    Jul 4, 2017
    #11
    Oh sorry in that case, I thought you were talking about a 2 year contract.
     
  12. MacDawg macrumors Core

    MacDawg

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    Mar 20, 2004
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    "Between the Hedges"
    #12
    May not be the right path for you, but it is for many others for a variety of logical and rational reasons
    I'm sure there are a number of actions you take that might be considered "mental" by others :)
     
  13. jav6454 macrumors P6

    jav6454

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    Nov 14, 2007
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    #13
    His issue, not yours, either contribute or don't critize how he paid for it.
     
  14. BasicGreatGuy Contributor

    BasicGreatGuy

    Joined:
    Sep 21, 2012
    Location:
    In the middle of several books.
    #14
    If a company is willing to loan you money at 0% interest, and you can pay the loan off early (sooner than 2 years) without penalty, provided you make the payments on time, that is not "mental." That is called making use of good financing. That kind of option allows one to not have to pay upfront, thus giving one the ability to make revenue on the money that would have otherwise been used.

    Granted, there are many people who have overextended themselves, or don't make timely payments. For these groups, such financing is probably not a prudent move.


    You should stop and think before making such remarks.
     
  15. transam7816 macrumors regular

    Joined:
    Mar 7, 2008
    #15
    Credit cards are bad for you!!
     
  16. -Gonzo- macrumors 6502

    -Gonzo-

    Joined:
    Nov 14, 2015
    #16
    Only if you mistreat them, use them wisely and they can be very good for you.
     
  17. Relentless Power macrumors Penryn

    Relentless Power

    Joined:
    Jul 12, 2016
    #17
    I think that would be the most enticing thing to use the Apple upgrade program with AppleCare being included. At least it's more of an insurance policy if you finance the phone through the upgrade program.
     
  18. BasicGreatGuy Contributor

    BasicGreatGuy

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    Sep 21, 2012
    Location:
    In the middle of several books.
    #18
    Not if I honor my agreement and pay the balance off as agreed each month.
     
  19. Newtons Apple, Feb 9, 2018
    Last edited: Feb 9, 2018

    Newtons Apple macrumors Core

    Newtons Apple

    Joined:
    Mar 12, 2014
    Location:
    Jacksonville, Florida
    #19
    Credit cards can be bad if the user abuses them, but for some it is the only credit they have and sooner or later credit is mandatory for most who want to buY a nice car or even a house.

    Great credit is an asset! Everyone needs to track their credit just to make sure you are not getting hacked.
     
  20. jav6454 macrumors P6

    jav6454

    Joined:
    Nov 14, 2007
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    1 Geostationary Tower Plaza
    #20
    Agreed. With the IUP, you can protect your small investment.
     
  21. ftaok macrumors 603

    ftaok

    Joined:
    Jan 23, 2002
    Location:
    East Coast
    #21
    Just to be clear, while Apple Care is included with the iup, it's not free. It's added to the price of the iPhone and the overall cost is divvy'd up over the entire term of the plan.
     
  22. noobinator macrumors 603

    noobinator

    Joined:
    Jun 19, 2009
    Location:
    Pasadena, CA
    #22
    Lots of holier than thou folks bashing those who finance a phone probably driving a financed 60k vehicle on their 40k/year salary drinking Starbucks daily.
     
  23. Relentless Power, Feb 9, 2018
    Last edited: Feb 9, 2018

    Relentless Power macrumors Penryn

    Relentless Power

    Joined:
    Jul 12, 2016
    #23
    Thanks for the clarification, however I never insinuated 'free.' I simply added it was included with the purchase, as the member I quoted stated it was included for those with unforeseen mishaps being a benefit.
     
  24. raqball macrumors 68000

    Joined:
    Sep 11, 2016
  25. ftaok macrumors 603

    ftaok

    Joined:
    Jan 23, 2002
    Location:
    East Coast
    #25
    Nah. I know you knew it wasn't free. I was mainly pointing it out to others who may misread your post ( like I did initially).
     

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25 February 8, 2018