I get loans for cars as they are needed for so much, but paying off an iPhone over years just does not make sense to me. And even contemplating getting a new one this year baffles me. There is so little that it actually gives you with an update. Yes you get better photos, but really that is about it. I use a regular 13 still, apps open quick and fast, takes decent pictures. I will probably upgrade this year but it is through work so I don't pay for it. So I can get a free iPhone but I see no point in it.My wife and I have iPhone 15 Pro Maxes and we paid off the phones late last year - the feeling of being payment free is so nice I don’t think we’re going to upgrade this year, from that fact alone lol.