Guys - just order the phone as normal, even if you want to do Upgrade program - and when you go to collect (you’ll have 2 weeks to do so, ignore the 30 min reservation window), convert to upgrade program. They’ll do the whole process in store, and if for whatever reason you don’t get approved for the loan, just cancel the order.
I did this with two phones on two different days.
Don’t you have to pay for the phone up front though?