A common thought process for anyone ready to upgrade their iPhone this time of year involves deciding where they should buy their new smartphone: from their wireless carrier or directly from Apple.
If you go the Apple route, that means either paying full price up front for the new phone—good luck with the new iPhone X in that case—or joining the iPhone Upgrade Program. Introduced in 2015, that program divides the cost across 24 months of interest-free payments and the option to trade up after the first 12 payments have been made, but it comes with the caveat that you have to pay for AppleCare+ insurance as well. This is similar to wireless carriers who started rolling out similar offerings, but it’s the inclusion of AppleCare+ that often raises the price higher than those plans.
Now, though, Apple has a new Apple iPhone Payments option that rolled out recently, but they company isn’t making much of a stink about. The option is tucked away under a “Show more payment options” tab on the company’s website—despite being the only extra payment option.