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iPhone 12 Pro Max IUP payments

Alexrat1996

Alexrat1996

macrumors 601
Original poster
Mar 29, 2015
4,353
764
Lehigh valley PA
I was one of the people who preordered the 12 pro max in November since I had to return and rebuy I'm on a January loan how would I get to 12 payments any way to figure this out ?

Can I make two payments each month I want to get to 12 payments ?

I would kindly appreciate if you all help me.

I was thinking of making two on the 19 that my next payment due and get to 6 payments in may then in June pay 2 payments then fall till September with 12 total to upgrade to 13 pro max.
 
You can make extra payments or once the new iPhone's are released later this year, you can just pay the entire difference in order to upgrade.
 
Alexrat1996 said:
I was one of the people who preordered the 12 pro max in November since I had to return and rebuy I'm on a January loan how would I get to 12 payments any way to figure this out ?

Can I make two payments each month I want to get to 12 payments ?

I would kindly appreciate if you all help me.

I was thinking of making two on the 19 that my next payment due and get to 6 payments in may then in June pay 2 payments then fall till September with 12 total to upgrade to 13 pro max.
Click to expand...
Typically after making 6 payments you are eligible for an upgrade on IUP, However, if you were to upgrade early, they will charge you to the equivalent of 12 month at check out. So if you just recently got it in January, you have to make monthly payments till June to become eligible and then come September, you already had made 9 payments so then at check out they will just charge you 3 month remaining of the 12.
 
Shadowbech said:
Typically after making 6 payments you are eligible for an upgrade on IUP, However, if you were to upgrade early, they will charge you to the equivalent of 12 month at check out. So if you just recently got it in January, you have to make monthly payments till June to become eligible and then come September, you already had made 9 payments so then at check out they will just charge you 3 month remaining of the 12.
Click to expand...
that work.
 
It should be noted that the only way to make extra payments is via phone with the CitizensOne bank. It wasn't a quick process - I did it once and ... didn't do it again.

I actually used my Apple Card to pay for my iPhone (with a payment plan) - and that actually lets me make make extra payments if I want without having to call someone. Won't be going back. I'm also planning on keeping my phone a bit longer this time too.
 
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Shadowbech said:
Typically after making 6 payments you are eligible for an upgrade on IUP, However, if you were to upgrade early, they will charge you to the equivalent of 12 month at check out. So if you just recently got it in January, you have to make monthly payments till June to become eligible and then come September, you already had made 9 payments so then at check out they will just charge you 3 month remaining of the 12.
Click to expand...
It won’t affect credit right I had to return launch day and rebuy it two times in January and I had a 12 pro also on IUP ?
 
Alexrat1996 said:
I mean the three times I apply for IUP it won’t matters when I upgrade again in September it will let me ?
Click to expand...
It is a hit or miss. No definitive answers. Some who were currently on IUP for years ended up getting a hard hit this yer again and showed up on the report. YMMV.
 
Alexrat1996 said:
I been in the program since 2017 if there was a issue it would of told me
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Doesn’t matter if you have been in the iup since 2017. Its random. You may just get lucky and get a soft this this time, or you may get a hard inquiry again. No way to tell. Im sure if your score is low yes they will tell you of the denial. If your score is great dont worry about it.
 
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Shadowbech said:
Doesn’t matter if you have been in the iup since 2017. Its random. You may just get lucky and get a soft this this time, or you may get a hard inquiry again. No way to tell. Im sure if your score is low yes they will tell you of the denial. If your score is great dont worry about it.
Click to expand...
Alright I never had an issue with it I will see closer to preorder i Do it every year and I should just use my apple care every time if need instead of starting on scratch
 
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Alexrat1996 said:
Alright I never had an issue with it I will see closer to preorder i Do it every year and I should just use my apple care every time if need instead of starting on scratch
Click to expand...

Yea and like I said even those who were currently on iUP and upgrading some did end up getting a hard hit on their upgrade so there is no definitive answers to why it's doing that but just bear in mind that you may get a hard hit. I have been on iUP past years and no longer plan on being on iUP and I usually buy my devices outright.
 
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