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Which Model are you getting?


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I just couldn't get on with the 13 PM last year,. I have no idea why either. I like the size to use but I just found it awkward when carrying it or having it on my pocket. I'm fine with a Samsung S22 Ultra or Xiaomi 12S Ultra which are all about the same size, but the 13PM just didn't sit right in my pocket. Odd, I know.
 
I have the opposite dilemma every year 😂 I constantly wonder if I’d prefer the Pro and yet deep down I think I know I’d regret it and miss the larger screen and battery.
It is a bit annoying sometimes one handed, I’ll admit, but I tend to go case-less so it’s not as bad.
I could never go case-less wouldn’t even last a month and I am reasonable careful with devices
 
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in essence, the IUP and 24 month Barclays loan are the same thing.. both offer 0% finance. The difference, as mentioned above by a few are the terms that come with each.


IUP
in my opinion, aimed at those who want to spread the cost of a new phone over a period of months, who want to upgrade yearly, and are happy to give the phone back to apple and start all over again the following year.

IUP involves:
  • Apple Care is always added to the price (though you could just go and cancel it and get a refund for the remaining balance)
  • initial £69 up front payment required
  • total split over 20 payments
  • you can only upgrade (hand phone back to apple and start again) after the 11th payment
as said above by @mrandyyu, just handing the phone back to apple after 11 payments is not always the best value. In reality, the phone's value will be greater than your outstanding balance so you'd be better off selling the phone and paying off the balance and pocketing the difference. Also, with this, you can then cancel your AppleCare and get remaining balance refunded as well.

I'm sure there are plenty of apple consumers (clearly not us well-inclined folk :D) who would just give the phone back and not worry about selling privately etc but to me its a little work for about ~£150 benefit.

This is what I did before Apple started offering the 24 month 0%.

24m 0%
straight forward finance agreement where you split the cost of the phone over 2 years.
  • no initial payment
  • no need to take AppleCare if you don't want it.
  • no option to hand phone in with Apple and upgrade.
I moved to this deal when it became available a few years ago. Given I didn't ever just give my phone back to apple in the IUP, the benefits to me were:

  • flexibility of taking AC+ if wanted
  • spread over 24 months so slightly lower monthly payments (makes no difference as the balance at the end would be higher than on IUP)
  • biggest win was the ability to pre-approve. Apple didn't offer at the time (and I don't know if they still do IUP pre-auth) the ability to pre-approve the finance days before the launch. This made the check-out process much smoother and not having to worry about cards blocked by banks etc (which happens to so many each year).

at the end of the day, the overall cost to you would be the same which ever method you took (they're both 0%) so its a question of convenience. To me, IUP is now redundant.
Thank you for the thorough response! So i guess you utilise the 0% barclays apple finance plan and after 12 months you pay the remaining 12 months balance off and sell the device and ready to buy new device. Repeat :)

I have been thinking what are the best ways to afford the iphone. I usually buy it off ebay (new / open boxed) to save some money and then sell previous device via ebay.

And doesnt both barclays 0% plan and iUP do hard checks on your credit when you go to them every year for an upgrade (I assume this is not great).
 
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Thank you for the thorough response! So i guess you utilise the 0% barclays apple finance plan and after 12 months you pay the remaining 12 months balance off and sell the device and ready to buy new device. Repeat :)

I have been thinking what are the best ways to afford the iphone. I usually buy it off ebay (new / open boxed) to save some money and then sell previous device via ebay.

And doesnt both barclays 0% plan and iUP do hard checks on your credit when you go to them every year for an upgrade (I assume this is not great).
I always thought it was a soft search at most never noticed any hard searches on my credit report from Barclays
 
I have the opposite dilemma every year 😂 I constantly wonder if I’d prefer the Pro and yet deep down I think I know I’d regret it and miss the larger screen and battery.
It is a bit annoying sometimes one handed, I’ll admit, but I tend to go case-less so it’s not as bad.
I'm the same as you lol
 
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I always thought it was a soft search at most never noticed any hard searches on my credit report from Barclays
that's interesting... on online and reddit forums users have said its hard search. one more thing how do I get myself approved for the Barclays 0% finance is that usually done on pre order when putting the order in or can we have it ready beforehand and if so how?
 
that's interesting... on online and reddit forums users have said its hard search. one more thing how do I get myself approved for the Barclays 0% finance is that usually done on pre order when putting the order in or can we have it ready beforehand and if so how?

I'm interested to know how I can get the finance secured prior to purchase, I think it's possible, but I can't remember.

EDIT:

> First, set up your pre-order in advance, for now selecting either “Pay in full” or Barclays finance – it doesn’t matter which, because you’re going to change it later.

From: https://9to5mac.com/2021/09/17/join-the-iphone-upgrade-program-in-the-uk/
 
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I'm interested to know how I can get the finance secured prior to purchase, I think it's possible, but I can't remember.
Think it goes live about 48hrs before pre order day to get pre-approved for Barclays finance, then pre order day it’s just a case of adding it to basket and complete the checkout.

Once pre-approved you can change colour but not phone or the storage
 
just out of curiosity, if some users on this forum upgrade yearly isn't the iPhone upgrade programme a good plan for them? just looking for opinions...

For a lot of people it’s a good plan for them. I’m paying outright and next year I’ll be trading my 14 Pro Max into Apple and paying the difference for the 15 Pro Max. That’s what I plan to do every year, unless I decide to go back to a 2 year upgrade cycle, which I don’t see happening anymore.
 
that's interesting... on online and reddit forums users have said its hard search. one more thing how do I get myself approved for the Barclays 0% finance is that usually done on pre order when putting the order in or can we have it ready beforehand and if so how?

Pretty sure last year, you were able to pre-auth late in the evening of the keynote. There was an option in the apple store once it opened post event.
 
Ah the size debate. I always had large phones until I tried the 12 pro because I couldn’t wait for the max. I actually really enjoyed it but then went back to the max with the 13. I was completely sure I would get the 14 pro max but reading comments about sizes again has me wondering. I often use an iPad nowadays so do I actually need a max size phone?? The max is better in so many ways except pocketability and one handed useability which are actually two pretty major requirements!
 
Well hello again people 🙂
Looks like Iv missed the boat on the best prices for my 13 pro this year. I checked it on Monday and the pro 128 was being quoted for £640 and it has come down to £600 😔 any suggestions where else can I try?
 
Well hello again people
Looks like Iv missed the boat on the best prices for my 13 pro this year. I checked it on Monday and the pro 128 was being quoted for £640 and it has come down to £600 any suggestions where else can I try?

Check out ur.co.uk. I just bought a refurb from them (through Amazon) and it’s in great condition
 
Yep MM prices dropped on the day Apple announced the keynote.

I managed to lock in my Max at £700 later that day it dropped to £650 and now £628
 
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