If you pay off early, you lose the bill credits for however many months were left out of the 36 months.So, if you buy with Apple but on Verizon, you get instant credit towards the purchase price from Apple and the rest is a bill credit over 36 months from Verizon.
I am trading in a 13 Pro Max. You get instant $320 from Apple and the rest from Verizon.
This isn't like buying via Verizon directly. No downside. You get your trade in from Apple and extra $$$ in bill credits.
So, if you stay a year and then pay off and move, you are still ahead cash wise to do the Verizon deal.