{"id":6459,"date":"2015-11-09T09:00:13","date_gmt":"2015-11-09T14:00:13","guid":{"rendered":"https:\/\/www.gazelle.com\/thehorn\/?p=6459"},"modified":"2023-07-19T10:25:22","modified_gmt":"2023-07-19T17:25:22","slug":"cell-phone-financing","status":"publish","type":"post","link":"https:\/\/www.gazelle.com\/thehorn\/2015\/11\/09\/cell-phone-financing\/","title":{"rendered":"Cell Phone Financing: Three Critical Questions to Consider"},"content":{"rendered":"

Is it smart to finance your new smartphone purchase? With sticker shock now at least $649 for a new iPhone, it may be time to consider a payment plan for that pricey purchase. Consider these three\u00a0critical questions for cell phone financing:<\/p>\n

1. \u00a0Is it Cheaper to Buy Outright?<\/strong><\/p>\n

If you plan on keeping your phone for two years, you may be better off buying a phone outright. Currently, an iPhone 6s on Apple\u2019s installment plan will cost you $34 per month instead of the $650 to own the phone outright. Carefully check your carrier costs and the amount you\u2019ll be paying extra \u2013 the difference could save you tons of cash.<\/p>\n

2. \u00a0Are You Eligible for a Subsidy?<\/strong><\/p>\n

Even with carriers scuttling their two-year contracts, existing customers may still be eligible, meaning that you could still get a substantial discount on a new handset. As soon as you jump off the two-year train, however, you won\u2019t ever be able to get back on again.<\/p>\n

3. \u00a0Have You Checked all Possible Carrier Options?<\/strong><\/p>\n

There\u2019s more variety than ever among the major phone U.S. phone carriers. With Verizon, you can pay monthly, but you can\u2019t upgrade until you\u2019ve paid off 100% of the original phone over 24 months. Sprint, on the other hand, lets you pay $22 a month with access to the latest phone as soon as it comes out. If you\u2019re looking for optimal savings, you can look at Gazelle\u2019s Certified store, selling iPhones, iPads and other devices.<\/p>\n

To get the most bang for your buck, consider purchasing outright and pre-owned<\/a> before shelling out even more money each month to your wireless carrier.<\/p>\n","protected":false},"excerpt":{"rendered":"With carriers dropping phone subsidies and two-year contracts, more people than ever are choosing to sign up for cell phone financing.","protected":false},"author":16781,"featured_media":5253,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","footnotes":""},"categories":[13],"tags":[],"class_list":{"0":"post-6459","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-how-to","8":"cs-entry"},"acf":[],"yoast_head":"\n3 Criticle Questions to Consider When Financing a Cell Phone<\/title>\n<meta name=\"description\" content=\"With carriers dropping phone subsidies and 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