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BullittMustang

macrumors 6502a
Original poster
Mar 27, 2008
612
95
Those of you on the IUP, with the new iPhone coming out later than a year since the 11, how many of you are still going to trade yours in when the 12 comes out? It doesn’t seem right having more money invested into something that is going to be traded in, when the same payments could have been going towards the new iPhone. Not sure what I’ll do, may just keep it another year and pay it off.
 
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one_chunk

macrumors newbie
Feb 12, 2020
17
8
I agree, it could be an extra month or two until the release.

It doesn’t really make sense to trade it in then. If I decide to upgrade this year again, I may just list my phone on eBay before hand and get a refund on my AppleCare+.
 
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one_chunk

macrumors newbie
Feb 12, 2020
17
8
Another thing that occurred to me is that if you do still go ahead and upgrade though IUP this year you’ll then have to wait a couple of months to upgrade next year assuming Apple resume their September iPhone releases.

Either that or pay the extra fee to upgrade early.
 

BullittMustang

macrumors 6502a
Original poster
Mar 27, 2008
612
95
Another thing that occurred to me is that if you do still go ahead and upgrade though IUP this year you’ll then have to wait a couple of months to upgrade next year assuming Apple resume their September iPhone releases.

Either that or pay the extra fee to upgrade early.
That’s right. Not sure if they would go back to September launch or not. When they switched from June to September, they never went back.
 

rui no onna

Contributor
Oct 25, 2013
14,831
13,087
Got the 6.1" iPhone 11 in December. Unless the 5.4" iPhone 12 is delayed to January, don't really have an issue doing IUP trade in.

That said, we might do iPhone musical chairs and use the 11 to replace one line's paid off XR instead.
 

mattopotamus

macrumors G5
Jun 12, 2012
14,688
5,940
The second hand market for phones is nothing like it use to be. If you plan on upgrading every single year, you won't come out better than the IUP, even if it's 15 months in.
 

MisterSavage

macrumors 601
Nov 10, 2018
4,791
5,674
This has happened before. The iPhone X was delayed and didn't come out until November. They took care of us IUP members and let us pay less for the first payment. I paid ~$50 for the first payment when it's usually over $100 if I remember correctly.
 

Phone Junky

macrumors 68020
Oct 29, 2011
2,457
4,292
Midwest
The second hand market for phones is nothing like it use to be. If you plan on upgrading every single year, you won't come out better than the IUP, even if it's 15 months in.
Really? Point me in the direction of where I can get a used iPhone 11, Pro or Pro Max for half price or less.
 

mattopotamus

macrumors G5
Jun 12, 2012
14,688
5,940
Really? Point me in the direction of where I can get a used iPhone 11, Pro or Pro Max for half price or less.

I will once the 12 comes out. You also have a hassle free approach with Apple vs. dealing with eBay/craigslist/swappa. Regardless of how good of an experience you have with any of those services, it's not hassle free.
 

DexBell

Suspended
Oct 23, 2016
839
1,068
This has happened before. The iPhone X was delayed and didn't come out until November. They took care of us IUP members and let us pay less for the first payment. I paid ~$50 for the first payment when it's usually over $100 if I remember correctly.

and they better do it again this year. I didnt join iUP to pay 15 months on an iPhone.
 

PieTunes

Contributor
May 6, 2016
1,012
1,873
San Diego, CA
and they better do it again this year. I didnt join iUP to pay 15 months on an iPhone.
You’re right, like everyone else you joined to pay a monthly fee (in practical perpetuity if you elect to keep going) for a phone without any guarantees of what that phone may be, whether or not it lines up with an exact 12 month release schedule.

Does carrier financing offer a guaranteed new phone every 12 months? Does Samsung financing offer a guaranteed new phone every 12 months?
 
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one_chunk

macrumors newbie
Feb 12, 2020
17
8
The second hand market for phones is nothing like it use to be. If you plan on upgrading every single year, you won't come out better than the IUP, even if it's 15 months in.

So you pay 20 months total if you don’t upgrade or 11 months if you do. You also pay a £69 deposit.

11 months September to September for a 64gb Pro Max including the deposit is £772.45 paid.

You’ve now a choice of paying the last 9 months of payments which is £575.55, or handing your iPhone in for a new one.

Those prices above include AppleCare+, you can typically get it cancelled and get a refund for the remaining amount which should be half. So that’s another £99.50 from the total price of £199.

Now you’ll need to pay £476.05 to own your iPhone and sell it on.

I think it’s very unrealistic that a Pro Max will go for around £476.05 after the 12 comes out. The XS Max last year went for £700-800 when the 11 Pro came out.

The 11 Pro is going for about £800-900 right now on eBay. Sure it’s not hassle free but if you value the easy nature of IUP more than the odd £250-350 like many of the IUP users then fair enough. But you can’t say that the second hand market isn’t as good anymore and that you won’t come out better off than the IUP when the maths doesn’t quite match that.
 
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DexBell

Suspended
Oct 23, 2016
839
1,068
You’re right, like everyone else you joined to pay a monthly fee (in practical perpetuity if you elect to keep going) for a phone without any guarantees of what that phone may be, whether or not it lines up with an exact 12 month release schedule.

Does carrier financing offer a guaranteed new phone every 12 months? Does Samsung financing offer a guaranteed new phone every 12 months?

Stop being obtuse. You know, I know and everyone else knows that Apple advertises and sells the iUP program on being able to get a new iPhone every year and only having to make 12 payments, not 15.
 

Phone Junky

macrumors 68020
Oct 29, 2011
2,457
4,292
Midwest
Stop being obtuse. You know, I know and everyone else knows that Apple advertises and sells the iUP program on being able to get a new iPhone every year and only having to make 12 payments, not 15.
If that's the way you want to use the program without a hassle, then start the program mid-phone-release cycle (like somewhere around February). Then you won't have to sweat release dates and can get the new iPhone after exactly your 12th payment. No worries.
 

PieTunes

Contributor
May 6, 2016
1,012
1,873
San Diego, CA
Stop being obtuse. You know, I know and everyone else knows that Apple advertises and sells the iUP program on being able to get a new iPhone every year and only having to make 12 payments, not 15.
They have never once advertised the program the way you’re incorrectly thinking. If you genuinely believed that you’re guaranteed an upgrade every 12 months to the next generation phone, you’re the one being obtuse. Make 12 payments then you unlock the ability to upgrade should you choose to. Whether or not that upgrade coincides with the exact model you want or expect is a different matter. Those on the 11 can upgrade to the 11 Pro or Max, those on the 11 Pro can upgrade to the Max.
 
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one_chunk

macrumors newbie
Feb 12, 2020
17
8
If that's the way you want to use the program without a hassle, then start the program mid-phone-release cycle (like somewhere around February). Then you won't have to sweat release dates and can get the new iPhone after exactly your 12th payment. No worries.

Quite a good point actually. That way you never pay more than the minimum and they should have the supply issues ironed out.

You don’t get to show off your new shiny on release day though ?.
 

one_chunk

macrumors newbie
Feb 12, 2020
17
8
They have never once advertised the program the way you’re incorrectly thinking. If you genuinely believed that you’re guaranteed an upgrade every 12 months to the next generation phone, you’re the one being obtuse. Make 12 payments then you unlock the ability to upgrade should you choose to. Whether or not that upgrade coincides with the exact model you want or except is a different matter. Those on the 11 can upgrade to the 11 Pro or Max, those on the 11 Pro can upgrade to the Max.

Surely you’re trolling right now?
 
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Obi-WannaDraw

Suspended
Sep 9, 2020
118
160
South, East and West of You
Those of you on the IUP, with the new iPhone coming out later than a year since the 11, how many of you are still going to trade yours in when the 12 comes out? It doesn’t seem right having more money invested into something that is going to be traded in, when the same payments could have been going towards the new iPhone. Not sure what I’ll do, may just keep it another year and pay it off.
I’m on the 11 and will probably be trading it in, because junkie.

I’ve used IUP last 3 years. I do it just to see where I’m at money wise, but always end up paying it off early. Then I trade in (less credit but less headache) or sell it outright. I like IUP because the AppleCare is bundled in my payments and if Im not sure if I’ll need a lump of money for something shortly after the impulse buy ?

Probably didn’t answer your question, but if you have a payment under IUP anyway, why not have the latest model?
 
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nrvna76

macrumors 65816
Aug 4, 2010
1,243
1,268
Apple has and might do something to help those on the IUP, like they did with the iPhone X. They are in no way obligated to do that, especially if staggered releases happen as they broaden the iPhone lineup.
 

DexBell

Suspended
Oct 23, 2016
839
1,068
Apple has and might do something to help those on the IUP, like they did with the iPhone X. They are in no way obligated to do that, especially if staggered releases happen as they broaden the iPhone lineup.

Then I, as well as probably a bunch of others will stop the service. I'll switch to Verizon's similar program. That way, I can get a new Samsung or any other new device I want if Apple ever pulls this again. Already got a Note 20 Ultra on my 2nd line since my iPad is now paid for. Might not even get the 12 now, Apple messed up.
 
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