Is there any Low interest or Interest Free iPhone Xs deals Max around

I’m looking to upgrade from my 6s Plus to a XS Max and cannot afford to pay it all upfront.

Is deals around?

Gumbo

iConnect do finance. As do Harvey normal.
Otherwise, get it from a network provider on contract would be an option.

nava

kceire wrote: »

iConnect do finance. As do Harvey normal.
Otherwise, get it from a network provider on contract would be an option.

I was looking at the same last week.

If you go for NOT free finance option maybe check your credit union if you have an account with any.

Another option not listed above is Argos 6 months Buy now pay later

With Harvey Norman Flexi-fi you pay €35 for application and €3.50 per moth, they also have an option for Interest free but looks like only valid for furniture, bedding, etc.

I-Connect they also have finance but I think it's done for the same company as Harvey Norman, but their website is down now "Bandwidth Limit Exceeded
The server is temporarily unable to service your request due to the site owner reaching his/her bandwidth limit. Please try again later."

CAREFUL with all the finance options make sure you pay in full by the agreed date or you can end-up paying a very high interest rate.

My credit union do covered loans at 6% and regular loans at 9% probably the cheapest option available

murpho999

I would not go near Harvey Norman's "flexi " stuff. Complete rip off.

I think the best option is to get the phone on contract with a provider. You pay X up front and rest is spread over 2 year contract with no extra costs.

People here seem to hate contracts and locked phones but it works out around the same price as buying upfront and people ignore that it includes your phone network costs as well.

I don't mind being restricted to one network for two years as I don't see the need to jump networks all the time.

Creamy Goodness

by all means go contract with a phone provider but don't get a loan for a bloody phone.

*EDIT* it's not often I'd say this also, if you can't afford even the contract price (cause let's face it they are as silly as the sim free price) buy a One Plus 6 or a Pocofone whatever. A phone is not worth getting yourself into debt over.

*EDIT 2* the One Plus 6 and Pocofone are getting outstanding reviews for their respective price points too.

Gumbo

Creamy Goodness wrote: »

by all means go contract with a phone provider but don't get a loan for a bloody phone.

*EDIT* it's not often I'd say this also, if you can't afford even the contract price (cause let's face it they are as silly as the sim free price) buy a One Plus 6 or a Pocofone whatever. A phone is not worth getting yourself into debt over.

Especially if its lost, stolen, or you smash it the next day. You are still paying off something that is gone.

ablelocks

murpho999 wrote: »

People here seem to hate contracts and locked phones but it works out around the same price as buying upfront and people ignore that it includes your phone network costs as well.

going contract was actually the cheapest option for me when the 7 came out - but I waited until early December to purchase from Vodafone (on a business plan). I'm hoping they'll have something similar this December when I'm due an upgrade....

ablelocks

Another option - if you have a very good friend or family member in the UK or NI, you could get them to sign up to the Apple Upgrade Programme on your behalf. They sign up in their name, with their bank account details address etc. They give you the phone, you set up a standing order to their account. Interest free and you get the option to upgrade after 11 months.

200motels

ablelocks wrote: »

Another option - if you have a very good friend or family member in the UK or NI, you could get them to sign up to the Apple Upgrade Programme on your behalf. They sign up in their name, with their bank account details address etc. They give you the phone, you set up a standing order to their account. Interest free and you get the option to upgrade after 11 months.

Why is it we can’t do this in Ireland and to thing Apples headquarters for Europe is here.

Gregor Samsa

200motels wrote: »

Why is it we can’t do this in Ireland and to thing Apples headquarters for Europe is here.

The UK iPhone Upgrade Programme is financed through Barclays, who aren’t registered to do business in Ireland. Why would they not do something similar with an Irish bank? Maybe the market here is too small to make it worthwhile to anyone.

eeloe

phutyle wrote: »

The UK iPhone Upgrade Programme is financed through Barclays, who aren’t registered to do business in Ireland. Why would they not do something similar with an Irish bank? Maybe the market here is too small to make it worthwhile to anyone.

it would make perfect sense to do it here and would actually increase their market size IMO.

Ireland is increasingly becoming more dependent on financing items, most people don't buy iPhones because they are too expensive, if they had a monthly option, it would encourage more people to make the purchase.

Gregor Samsa

eeloe wrote: »

it would make perfect sense to do it here and would actually increase their market size IMO.

Ireland is increasingly becoming more dependent on financing items, most people don't buy iPhones because they are too expensive, if they had a monthly option, it would encourage more people to make the purchase.

Market size in terms of population: 4.7 million here vs 65.6 million in the UK. When you drill down the percentages - potential mobile phone owners > potential smart phone owners > potential iPhone owners > people who require credit for an iPhone > people who will go with Apple over another credit provider, you would get a much, much smaller number for Ireland than the UK. If the numbers stacked up for Apple (and you can be sure they've checked), they'd do it.

Well no one has 1300 lying around for a phone so it should be an option I don’t ugrade every year about every 5-6 years

I’m still using my 6s Plus I’m due an upgrade