Carrier TMobile New iPhone Upgrade Program vs. Apple Upgrade Program

[edtorious]

https://newsroom.t-mobile.com/news-and-blogs/iphone-apple-watch.htm

So with the new TMO new iphone upgrade program, which one is better? Apple or TMO? TMO told me that if I upgrade to 256 GB iPhone X, there will be $429.99 down and $30 monthly with no insurance. If I want insurance, they have a package that includes insurance and Applecare for additional $15 month. What do you think?

 

[bobright]

On top of that, customers who trade in their iPhone 6 or newer at the Un-carrier will get up to $300 off their new iPhone 8, iPhone 8 Plus or iPhone X via 24 monthly bill credits on T-Mobile’s interest-free installment plan.

^^
What I want to know is can we pay off the phone early and still receive the credits, or would we lose them? I read somewhere we need to stay on a 24/month plan to get them.

 

[Kahsheh]

Since prices are so high on the new phones and there is no incentive with apple, I would go with the carrier. Seems like there are offers coming all the time and being able to upgrade after 12 payments is a plus for me. Also, I do not need to worry about the IUP credit check.