Nah, if you choose trade in, they will mail u the trade in kit. If you go to the physical apple store and trade it there.. they cannot match the trade in to your online order. So basically they will do the trade in at store and issue u an apple gift card or gift balance to your Apple Card (if u have one). If you already purchase it through 12 months of installment with Apple and you have deducted monthly payment considering ur estimated trade in value and u trade in actually at store, apple will still send u a trade in kit. Since u have nothing to trade in, Apple will later assume u cancel the trade in and they will update your monthly payment to match the non-trade in price. I experienced the same situation in this July when I ordered my iPad Pro. You can pay your monthly payment with the gift card/gift balance they issue u. HOWEVER, if you have other monthly payment there, the gift balance will go to those early monthly payment first.