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Other iPhone Upgrade Program
- Thread starter PhoenixDown
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you said you're trading it in on 10/23... that means you did preorder right?
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And of course Apple's website doesn't seem to think I'm in upgrade program with this device.
I’ve been deciding on if I want to do this or do the Apple Card option. I normally always buy outright, but it’s always a PITA to have to sell my phone elsewhere, and then call Apple and have my AC+ removed and stuff.
so I’ve been going back and forth this afternoon trying to figure out which route to go. I always paid outright for my phones and was about to do the same this time, but it gets old quickly, especially having to sell your device.
I was thinking about iUP for the fact that I do typically get AC+ on my phones, however I haven’t had to use it so I don’t know if I’d want to pay a higher monthly payment for that.
Also, was thinking of the Apple Card method with the trade in option to bring my payments down and then pay off whenever I choose...
Sigh, the options... Help!
I was thinking about iUP for the fact that I do typically get AC+ on my phones, however I haven’t had to use it so I don’t know if I’d want to pay a higher monthly payment for that.
Also, was thinking of the Apple Card method with the trade in option to bring my payments down and then pay off whenever I choose...
Sigh, the options... Help!
Hmm you make a good point about the trade in value. I’m lucky if I can get $500 for my pro cause I’m trying to sell it now. If in the instance that I want to preorder the 12 and get approved for the iUP, does it start when I receive the phone or? And how will it work if the phones release in Sept next year?
Trade in does not work with IUP since it's a leasing program.
You must get a phone thru IUP (Citizen's One) in order to get a new one next year without having to payoff the phone (you do have to send in the unpaid phone to Apple).
If you must trade in, choose the Apple 24 month Citizen's One loan, or Apple Card 24 month loan - both for 0%.
Then pay off the phone early if you want the next year's model and trade that in...
That's what I did from an 11 last year to the 12 this year.
I'm currently on year 2 of the IUP. How do returns work? If I order the 12 pro and decide I want the 12 pro max, can I return it without penalty?
According to their terms if you return your old phone and then decide to return the new upgraded phone it just cancels your new loan and you don't get the old device back. I'm assuming you can then just purchase a different device and open a new loan at that point? Doesn't this effectively get you out of the iPhone upgrade program after only 12 payments? Would you be required to pay off the remaining balance of the old loan?
According to their terms if you return your old phone and then decide to return the new upgraded phone it just cancels your new loan and you don't get the old device back. I'm assuming you can then just purchase a different device and open a new loan at that point? Doesn't this effectively get you out of the iPhone upgrade program after only 12 payments? Would you be required to pay off the remaining balance of the old loan?
- Return of New, Upgraded iPhone After Exercising Upgrade Option. Should you exercise the Upgrade Option and subsequently return your new, upgraded iPhone under the terms of Apple’s Returns and Refunds Policy, the Financed iPhone that you traded in will not be returned to you and the New Installment Loan associated with your new, upgraded iPhone will be terminated.
Never done it, but I’ve asked before and they stated that it does work that way. If you trade in for a 12 Pro the old loan is cancelled and a new one is started. If you then return the new one regardless of what you do after the new loan is also cancelled. If you then go for the max the worst thing is that it might be another hard pull, not sure.
I just ordered a 12 pro on Friday through IUP, however, I am now thinking that I would rather get the pro max. Currently I have an 11 pro max through IUP. Does anyone know if I would be able to return the 12 pro the moment I receive it (therefore closing that loan) but keep the 11 pro max until the 12 pro max is available for preorder and upgrade through IUP at that time?
Hello everyone! I'm still relatively new with the IUP program. I currently have the iPhone 11 Pro and have made 13 out of 24 payments. I pre-ordered the iPhone 12 Pro on Friday (10/16) and will be picking up the new iPhone at my local Apple Store this coming Friday (10/23). So my question is, it looks like I have my 14th IUP payment for my iPhone 11 Pro on 10/20. When will I get charged my first payment for the iPhone 12 Pro? Will that happen the day before I pickup (10/22)? Most likely, I'll be paying "double" for October? Once I pay my first payment of my new loan for the iPhone 12 Pro, my previous Citizens loan is closed?
I have the same exact question. Just saw that I will be charged on the 20th as well.
I believe in years past they have credited these payments, but I might be misremembering. Might be worth hitting them up via chat to make sure.. see what they say.
I’m thinking about joining for the first time, but since preorders are in October this year, how will it work if phones are released in Sept next year?
Thank you for that! I might get in contact with Citizens to see if a credit can be applied.
So for the very first year when one joins the IUP, there's no way to trade in your existing iPhone? Hmm, seems kinda lame for them set it up that way.
Well it would hurt you actually. If they offered you $200, your payment would be reduced by $8.33, but you trade in after 12 months, then you only realize $100 of your $200 trade..
Hmm yes, that's interesting. Thought it'd make sense for me now with the T-Mobile $150 prepaid card offer if you trade in your existing phone and buy the new iPhone 12 from Apple. So I thought I could trade in my XS Max, which Apple is currently offering $370 for, get an additional $150 from Apple, and sign up for the IUP with a new iPhone 12 Pro Max. That $520 is plenty for me and hassle-free so I don't have to try a private sale.
It should be, but if I were you, I would call T-Mobile before selling it to verify that it isn't locked to their network.
Can someone explain the economics of this to me? I bought an iPhone 11 pro max 256 for $1193 last year, its now going for $900 on cl/eBay. That means it cost me $293 to use this phone for a year, plus I paid for apple care it cost $120 thus making the total $413. The same phone was $60/month on the IUP. That would mean instead of $413, I would have paid $720. Round it down -> $300 difference. Plus the credit report hit, which isn't a big deal. Is $300 worth the cost to be able to just sell it on your own? I guess for some but not me.