iPhone PAYMENT PLAN Review 2023 (Is This the BEST WAY to Buy iPHONE??)

[@JameyKocan]

What do you think about the iPhone Payment Plan? Check out my iPhone 12 Pro Silver Unboxing video!! kzbin.info/www/bejne/i6S8ZYtqa8qnpNE

[@35478]

So when i want to purchase the phone do i have to have a specific amount of money to purchase it, before i get the product like is there a down payment needed or you just purchase it having to pay for the first month and then continue paying it. am confused

[@vroyen]

The best thing to do is have the cash for the tax and then make payments on the device. I had to keep an eye on the bill as they tried to bill me twice for the taxes and the customer service agent was able to correct the "mistake". Just keep an eye on your finances if you do payments as it can get quirky if you by an iPhone near the time your bill due.

[@mohammedrahman1027]

This was actually very well explained compared to other videos thank you 😊

[@JameyKocan]

Thank you! Glad it was helpful!

[@udvg3608]

hwy

[@arolemaprarath6615]

@@JameyKocan I have a question, let's say I a total balance of $300 as of now. Has a job and planning to get the latest iPhone 13 pro max, NO trade in. Then picked the 256 gb and the monthly cost is $75. For mobile line and data is $40 monthly for 6 gb. 75 + 40 = $110. Yes, has a job and yes, short in money. Would you say it can work out as long as i have a job to cover the monthly payment? (Weekly paycheck) Or I need to have, lets say $500 to be realistic to the case. What would you recommend? or what can you say about this type of situation? Thank you so much. Bless you.

[@abdikani6007]

I’m stuck on an iPhone 6s I don’t really know if I should do the monthly payment on the 12 or just pay it all out what do you think?

[@JameyKocan]

To me the payment plan works best because I upgrade every year.

[@maconwashington1106]

@@JameyKocanso it’s free at first

[@faraon3000]

I rather buy unlocked directly with Samsung or Apple without a payment plan. Samsung gives me a big discount when trading my old phone. My iPhone I have to sell it in ebay. Since Apple doesnt give that much money for your old phone. Great video. I just subscribed.

[@JameyKocan]

Thank you for supporting! I always used to buy my phones outright but when the value decreased on the secondary market for iPhones I just found it easier for me to go on the payment plan.

[@FoamyKeiko]

I have Verizon too and considering their payment plan this year. I've never financed a phone before but always had some lesser known MNVO as opposed to big red.

[@JameyKocan]

I think the payment plan is a great option. Since being introduced I think that this hurt the resale value of the iPhone.

[@eddies8400]

So is Verizon good?

[@Bodybuildingwatches]

I usually have bought my phones outright. But this seems like a good option . Basically for zero cost you lock in an “option” to trade in your phone for 50% value in 12 months. If you dont want to , you just keep the phone and pay it off. Am I missing something?

[@JameyKocan]

That's basically it! You just have to pay the taxes and activation fee. Now this could change if the trade-in value is lower but right now it's a great option. It also seems like iPhone prices on the secondary market aren't as strong, which is another reason why I chose the payment plan.

[@townlife2056]

So how much was it when you paid your phone? @Jamey Kocan

[@elijahgraves759]

So to be more simple cause I don't get it. Ik can trade in my phone for a new one. And pay it monthly?

[@MrBunny53]

Suppose you bought iPhone 12 pro for 999. You paid 50% till now. And traded in iPhone 13 pro which is priced 999 too. So now you only pay the remaining 50% and get a new phone? So we're getting to use two phones for the price of one in only a year?

[@kittybitty9336]

I have a question, I’m trying to do a monthly plan. But I’m thinking of just paying off the phone first before I get it turned on with a carrier. For the iPhone 11 Pro? Would that be okay to do, and is there an down payment I have to do? Or can I just pay for the monthly payment and the taxes? Which is like 31 for 200GB one?

[@JameyKocan]

You can just buy an unlocked iPhone directly from Apple

[@4ktdemon785]

Idk if this sounds dumb but do I have to pay through card or can I do cash at the Verizon store

[@JameyKocan]

If you pay your phone bill traditionally with cash I would think you can do the same in this case

[@dark_libra2273]

I have a question. So getting the phone plan when I go up to my carrier let’s say for example the payment is $50 a month. And I paying the $50 plus tax upfront like when I get there ? Or will I have to pay for a certain amount and then the $50 a month ?

[@JameyKocan]

I just had to pay taxes for the phone and an activation fee up front. Then there was just an additional fee on my monthly phone bill

[@dumbzyboi5414]

@@JameyKocan how much was the fee let's say the one I'm planning on getting is the 13 pro 500Gb which is 54$ a month so what is the catch? Added Monthly taxes or just one time thing and normal afterwards 😣

[@musicviolamusician4392]

I’m getting my paycheck on the 10th of this month and I in desperate need of an upgrade from my iPhone 5s. So this 12 pro will be familiar because of the edges and I’m excited!

[@JameyKocan]

Going to be quite the upgrade! You will love it!

[@musicviolamusician4392]

@@JameyKocan I stuck on choosing Gold, Pacific Blue

[@JameyKocan]

Both are great colors but my choice would be Gold out of those 2

[@kritishrestha4725]

It sounds too good. Can they change the interest rate after the purchase though?

[@FoamyKeiko]

Very helpful. Like your videos keep them coming. And nice Rolex!

[@JameyKocan]

Happy to help! Rolex bluesy video coming soon

[@phenomenalgamerz9749]

I have a question when you go on this payment plan will the phone be delivered to you and you can use it even tho your paying for it ?

[@evacody1249]

yes, you will have the phone and can use it. Here's the thing. Don't do a payment plan. It adds to the bill. Buy a phone that is either used or a year old. With Apple and the number of updates they have, that won't matter. If Samsung and Google go the full seven years, it won't matter there either.

[@luxonsaintvilus]

if you want to finance your phone, get the  card. you can finance an unlock phone and have the freedom to use any carrier you wand ans take advantage of cheap plans that are available

[@JameyKocan]

Definitely another valid option!

[@chrissy9632]

If it were to trade in my phone (iPhone 6s) for the iPhone 11,how much would you think I would pay for the taxes if I got the installment plan.

[@JameyKocan]

I am not sure about the trade in program for the situation you described. I would check with your cellular carrier

[@ervinjohnescalo3799]

Hi i would like to ask about the first payment when you purchased the plan. So for example i get a iphone 13 pro max from apple online store and it says there that the monthly payment is 70$ / month sor for the day that you purchased it do you have to pay the first 70$ and the taxes? And also i would like to ask if the taxes for example is 200 plus dollars do you have to pay the full 200 plus dollar an the day you purchased it or the taxes are also divided within the 24 months?

[@markianson621]

Like you I also get the new iPhone every year. In the UK, on EE we can share plans with other people, so I have a plan with myself and 4 others which is about £9.10 each per month for unlimited calls, texts and 110gb data to share, and I buy the phone outright. Because I have a very good condition iPhone pro max model every year to sell, I make £750-800 each time to put towards buying that phone outright. This year I’m hoping to do the same for the 13 so for the £1050 iPhone 13 pro max it’ll cost me only around £250-300, plus my £10 plan. That works out at £39/mo over the next 12 months with no tie ins. Comparatively, plans here are 24 months, which I hate, is about £60/mo. Easy £240 a year saving and a new device every year 👌🏼👌🏼

[@JameyKocan]

Wow 😀

[@irfanzafar7720]

hy bro i totally fan of your plan,i need your valueable 5 minutes if you are agree can you explain it to me in more details thanks in advance regards M.Irfan

[@markianson621]

@@irfanzafar7720 sure, what do you want to know more than what I’ve said already? I actually just upgraded my sims so I have 160gb to share across 6 numbers which is far more than any of us use. It’s about £10.15 a month

[@atifmuhammad2498]

Is it locked or unlocked? If you get it on apple iPhone payments plan?

[@MarioFarts23]

very good video and the explanation was perfect!

[@JameyKocan]

Thank you! Happy you liked it 😀

[@Maya-qp3yy]

Hello, I want to inquire about something. Now I will buy the iPhone 13 Pro from the Italian website Apple, since I am in Italy and I would like to buy it in installments (49 euros per month). Is it a guarantee and can I pay it with my regular card? I mean, every month 49 euros are withdrawn directly Apple or are there other procedures, and is there the value of the tax that must be paid from the first?

[@clericsupport]

the fact that it’s 0 interest makes financing the phone a no brainer

[@boi6274]

Ok this is off topic but do you have to pay for the airpod pro with only a credit card or apple pay (im going to the apple store for my first time tomorrow) I don't know if you can pay without a credit card or apple pay because I don't have any of those

[@Dubitz]

So theoretically, my current iPhone 12 is paid off. Verizon's website says with the trade-in I can get the 13 for $0.00 (minus activation). Could I then next year, do the same thing and trade in the 13 for an iPhone 14 for $0.00? And so-on until the end of time?

[@tramblated]

it depends on what verizon offers but for now yeah

[@townlife2056]

If I buy an iPhone 13 pro in payment how much would I spend on my first payment?

[@2580arnold]

Thanks for this video! It’s very helpful!

[@JameyKocan]

I’m glad you enjoyed it. Thank you for the support!

[@recklessjunkie]

I do it just to get it then I buy it straight out after stacking up after a couple months works everytime the reason I do that is because I don’t like Verizon owning my phone that’s just me I don’t care what anybody else does that’s just what I prefer to do.

[@JameyKocan]

I have no issue with that!

[@isaac.2605]

If i have an iPhone SE (2nd gen) and i want the 13 pro should i get it paid monthly or pay for it all together?

[@35478]

very helpful .i'm a verizon wireless customer as well..interesting. i finally found what i needed

[@JameyKocan]

I'm happy that the video helped 😀

[@HannahPhariss]

Okay this is very helpful!

[@syid8897]

So do you like have the phone. But you still pay monthly?

[@JameyKocan]

It's still monthly over the 24 month contract

[@cameronlooper5128]

The reason the I phone payment plans through carriers do not make sense is because the line itself is very expensive. Prepaid MVNO offerings are a fraction of the price and though you don’t get carrier financing it saves a ton of money in the long run. Finance the phone through carrier like this takes away your ability to be on a much cheaper plan. Carrier financing is never the best deal. That’s the entire reason you get “0% interest” they interest is collected on the $90 per month line that should only cost you $30 on a comparable prepaid provider.

[@jmrkz1]

Do you have to pay taxes and activation fees every year if you upgrade every year?

[@JameyKocan]

I believe so

[@khurrammaroof8245]

How much payment we'll pay first and instalments while buying new iphone without older iPhone?

[@JameyKocan]

I just had to pay tax for the new phone

[@drifty4564]

I have a question is the activation fee just for the first month and then the next month afterwards you have to start paying the monthly payments?

[@TheRyanator36910]

Yes

[@toniomontanaa1497]

Thank you bro

[@blakiotube]

What are the requirements to get the payment plan?

[@sriracharooster]

You have to have a credit check and get an unlimited plan which is post paid.

[@alaynadial8686]

So im trying to buy a 13 pro max or a 12 it doesn't matter but im trying to buy it online, it says I can pay 25 a month before i have it paid off, Is it a scam or can i really do that (btw im about to turn 18 so i really dont know what to do with phones)

[@langstonmarbury9643]

I am planning to move to the US and i don't have any credit score etc. I have fulltime job that pays well. Can i buy new iPhone via monthly installment and how much does it cost? Which one is better, pay it full or monthly?

[@JameyKocan]

I am not sure if they will need established credit to be approved. I don't think there is necessarily a "better" option. It is more of what works best for your situation. I like the monthly because I typically get a new phone every year

[@shatoyalinin4519]

Can i like pay 3 months and pay the rest on the 4 month?

[@ikozyjewel915]

i have a question! is it gonna be safe to pay monthly? and how do i do it? do i need a apple card or can i just use my credit card?

[@JameyKocan]

Good question. So there are a couple of ways but what I have the payment plan through Verizon. This makes it super simple. The monthly fee is just added to your standard monthly bill. Payment is through the same way you would pay your phone bill.

[@ikozyjewel915]

@@JameyKocan thank you!!!

[@JameyKocan]

You got it!

[@usain.y]

Hey, there is this thing that i didnt understand when I was talking to agent about purchasing an iphone 12 mini, when he was explaining the difference between outright and contract purchase he mentioned "installements" throughtout the 2 years when it is a contract purchase, what does he mean by that, does it mean that im not gonne get the full features and latets operatinf system installed on my phone from the beginning ?

[@JameyKocan]

Installments is just the term used for payments. The cost of the phone is divided into 24 payments or installments on a monthly basis. Does that help?

[@usain.y]

yes it does thank you

[@MUHAMMAD.AFRIDI]

Hi bro I just shifted to uk and i want to buy an iphone in installment plan from apple now they are asking me for my previous adress and I don't have one so what should I do? Plz help me

[@dennisjimenez9562]

What if I wanna get a iphone 11 pro but I wanna put like 400 could I still get it?

[@nfglan2840]

Where do I go make the monthly payment I just got the iPhone 12 and I have Verizon

[@JameyKocan]

it should just be part of your monthly bill

[@whylimited9416]

It’s worth to get a payment plan. I never gotten a payment. Am used to save up to pay off my iPhone.

[@JameyKocan]

I prefer the payment plan for my specific use case

[@leannguyen7855]

Hey there, I’m 19, so I won’t be able to get into it. If I were to have my parents put there ssn in would that have any problems with their credit? That’s one thing they would need to know before hand.. ive seen a video of how it interferes with it with the hard inquiries or whatever it is. I’m just a bit confused to be honest, any help would be great. Thank you

[@JameyKocan]

You should talk to your parents about this

[@leannguyen7855]

@@JameyKocan we don’t know anything about the program. They just want to know whether or not it’s safe to use without damaging credit.

[@eddies8400]

hey do you know if there is even a iPhone 13? I wanna buy the 12 pro but I want the newest so

[@JameyKocan]

iPhone 13 will be announced this month

[@khanscombe619]

That’s why I like the direct from Apple plans. It’s 0% 24/mo. U can trade it in whenever or sells it outright. Get the carrier unlock & freedom to go wherever U want, try different carrier plans.

[@huhansienoel9636]

Hey! I know I'm a bit late but fuck it lol. I'm from a Caribbean country and I want to know if I can do the same thing, but online?

[@Auj-n7j]

Is this only available in the US

[@JameyKocan]

I am only familiar with the US programs

[@angelramos2869]

Any websites that you could just have a payment plan and not the service?

[@shawngrignon4020]

You can sign up for the apple upgrade program direct through apple. But you will need to be approved for an apple credit card

[@amirhashmi8924]

Please can you help me out I want to buy iphone 13pro max on installments from oman 🇴🇲 How can I get iPhone Really so tired 😫

[@ritchieparagoya]

Does the first payment only have a tax?

[@musickk7786]

i asked an apple assistant u r gonna have to pay the tax and the first month bill together on your first payement

[@XWhxte]

Does the monthly payments also cover cellular data payments?

[@sriracharooster]

No

[@vishizzy]

SHOULD I BUY THE NEW IPHONE FROM APPLE OR LEASE IT FROM SPRINT. MONEY IS NOT AN ISSUE FOR ME.

[@Strongpoeticmind]

Suppose you plan on changing your phone all the time than lease it. If you prefer to keep it, then phone buy it.

[@benedictellorin1701]

wait so when i get an iphone 12 pro max for a monthly payment. Im just gonna pay for the phone and tax right? Like no data plan bc I went to tmobile and i need to pay for the plan and the phone and it will cost 111 a month so I was like hell no that shit is too expensive. So in the apple store, it's just gonna be the phone and the tax? And If i pick a carrier there in the apple store do I pay a data plan too or they just put a simcard in it?

[@JameyKocan]

You definitely need to still pay a for a phone carrier plan. The monthly cost of the phone is in addition to your carrier plan.

[@benedictellorin1701]

@@JameyKocan so add the cost of the monthly cost of the phone to the carrier plan too? so how much was yours?

[@benedictellorin1701]

@@JameyKocan and what if i choose sim free? do i jus pay for the phone now?

[@JameyKocan]

You always need a phone plan if you want to use cellular

[@VasshuStampede]

But im not updating

[@sanamailik5405]

Anyone can explain me how to buy it if I don’t have any plan of verizon

[@evacody1249]

The reason a payment plan is bad is that it adds to your cell phone bill through the carrier. So that 60 dollar cell plan plus the payment for the phone you are wasting more money. Someone who out right buys the phone like me I have the one time payment for the phone. And my cell phone plan is a flat 45 dollars a month that's it.

[@ashleybrittania2546]

Even if you get the payment plan for the phone through apple, will it still be added to your monthly phone bill?

[@ForbezMedia]

Subbed

[@JameyKocan]

Thank you for supporting!

[@avi5705]

But what about apple care that you have to buy.........It's an unnecessary extra cost.

[@otherbrookzy]

Do u get an invoice + how do u pay lol

[@JameyKocan]

It's just part of your normal bill through your cellphone provider

[@slickrick4129]

I never liked purchasing the phone from the carrier. Buying outright from apple is the way to go. You can trade in your phone at apple for credit. The iPhone 11 Pro was 450$ trade in and you didn’t have to have it payed off, if it was financed from the carrier

[@JameyKocan]

Wow! So you could trade in a phone and no matter what the balance to the carrier?!

[@slickrick4129]

@@JameyKocan Yeah. In essence, you owe the carrier, not apple. So apple will take it and you’ll get the credit if the phone isn’t damaged. You can also finance the phone thru apple too

[@pololauren1107]

Right....😒

[@No.Gloves]

in balkan we buy Cash

[@udvg3608]

hwy

[@actuallyXanh]

So helpful! Thanks for this video!

[@JameyKocan]

Happy to help!

[@Whosxmimii]

So can I pay the monthly payment thru a credit card

[@JameyKocan]

Definitely! It’s paid the same way as your monthly phone bill as the iPhone payment would be part of that bill moving forward

[@nicoleackerman5906]

This was super helpful! Thanks so much❤️

[@JameyKocan]

Happy it helped!

[@nicoleackerman5906]

@@JameyKocan 😊😊

[@nicoleackerman5906]

@@JameyKocan 🙏🏻😊