Quote:
Originally Posted by omasou
There are 3 programs.
1. Buy the iPhone and pay lump sum. Optionally, purchase AppleCare and pay lump sum or monthly.
2. Apple Payment Plan. Pay first monthly payment + taxes then another 23 monthly payments. If you choose, you can later pay off the remaining balance. Optionally, purchase AppleCare and pay lump sum or monthly.
If you have an Employee Purchase Plan b/c of the company you work at 1 & 2 can save you a few $ on the AppleCare, not the iPhone.
3. Apple iPhone Upgrade Program. Same as #2 except AppleCare "purchase" is mandatory, monthly payments include iPhone and AppleCare payments. If you upgrade yearly the advantage is that your "loan" and AppleCare terminate and you resume w/the new phone. Basically, it's like a lease where Apple agrees to purchase your previous phone at 50% of the original value.
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I wasn't considering #1 a program - that to me is just a purchase plain and simple.