I almost signed up for the iPhone Upgrade Program today, and I'm glad I didn't! After reading the iPhone Upgrade Program website, I was expecting to be charged $36.58/mo for 24 months for the iPhone 6s, or $877.92 over two years. It's a good thing I read the fine print, which the Apple sales person pretty much glossed over and just asked me to tap "Accept". The actual charge was going to be as follows: 1 time payment of $109 23 payments of $36.58 For a total of $950.34! The sales person seemed to think that I had to pay 3 months up-front, but the text lead me to believe otherwise, since I would still make 24 total payments. I think the charges added up like this: The first Payment is $36.58 + Sales Tax for the entire order, and then 23 follow-up payments at $36.58. The sales tax at the store was 8.25%, and the sales tax on $877.92 is $72.43. So, first payment is $36.58 + $72.43 = $109.01. I ended up just buying the phone in full for $810.79 after tax using my Discover Card via Apple Pay. Am I the only one that thought I would be saving money using this program?