iPhone 11 ATT Next vs Apple Financing

[LCDurbin]

I apologize if there has been a thread posted already but i searched and found nothing.

I can pay ATT $45 and upgrade to the new iPhone 11 and trade in my XS Max back into AT&T. There is also an option to pay $545 and I own the phone outright.

I have noticed that if I buy the 11 through Apple that it has Apple Care +. Should I pay the $545 to own the phone and trade it into apple for $600 and I would only owe $99 for the iPhone 11?

Any advice is greatly appreciated!

 

[IndianBird]

That’s probably not a bad idea if you’ve got the cash on hand to do it.

 

[LCDurbin]

My only other question is does Apple charge more for Apple Care+ that is not the listed monthly price for the iPhone 11?

 

[Givmeabrek]

Apple Care+ is a separate purchase if you are buying outright or even paying monthly. It is only included if you are on the Apple upgrade plan and it adds to the monthly price. I am planning on doing something similar but going with the Max, paying $545 to ATT, getting $600 credit from Apple and paying $499 for the Max.

 

[LCDurbin]

Apple Care+ is a separate purchase if you are buying outright or even paying monthly. It is only included if you are on the Apple upgrade plan and it adds to the monthly price. I am planning on doing something similar but going with the Max, paying $545 to ATT, getting $600 credit from Apple and paying $499 for the Max.

I had a feeling it would be separate and additional fee. If the Apple Care+ is not included, what is the advantage of going the route we are going as opposed to renewing with ATT and trading in?

 

[Givmeabrek]

If you renew the Next up plan with ATT they add an extra $5/month for the privilege. And now it's a 30 month plan that you can't upgrade for 15 months unless you pay off early. Plus you save $55 on the trade in. Buying from Apple always seems like the easier option.

 

[hungryteresa]

If you buy or upgrade through Apple, your iPhone arrives unlocked in the box. This means you can use non-AT&T SIM cards for when you travel internationally or even decide to switch carriers. I believe if you upgrade with AT&T Next, you can only ask AT&T to unlock your iPhone after you make all the payments.