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Other UK Iphone Upgrade Program during Covid19

iMatt. said:
I’m considering doing that exact same thing
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im no accountant but the finances seem to make sense, use the old phone to pay off the Barclays loan. at the moment my 11 64gb is worth 400 according to apple. which is what would be left after a year of paying the finance on it .. sign up to another 24 month and be done with it
 
Just bit the bullet - 256GB 12 Pro Max Pacific Blue pre-approved, 24/mo agreement at £25 a month after trading in my 11 Pro Max 256GB for £580 credit.
 
jasonht said:
Is there any massive issue with a credit check? I mean is that going to affect anything really? i've not really read into that sort of stuff. I dont really need the credit as can buy out right but would rather not pay it all in one chunk?
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I think the general view is that it wouldn’t be wise to have a number of credit checks on your record in a short period, particularly if you’re planning on applying for a large amount of credit in the foreseeable, for e.g. a mortgage application. The occasional credit check ? Can’t see it have any great impact on your credit rating over the longer term. However it might vary by individual if, for example, your credit history isn’t particularly healthy.
 
For anyone wondering about the finances of buying outright or buying on 0% compared to the IUP program, it's worth remembering that IUP isn't any form of special deal. It's literally just the same as paying for a phone over 24 months but with AppleCare included and a built in refresh option after 12 months (as if that's ever been the timing of releases!)

Just like you lot, I will be calling Barclays today to pay off my IUP plan and then trading my phone in with a new purchase/pre order tomorrow.
 
Is the trade-in price good value at the moment compared to selling privately?

I have a small crack in my screen, so on the IUP I was expecting to pay the £25 excess for the damage and hand the phone in (have done this once before) - anyone know if this is possible on trade-in if I went to monthly payments?
 
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I cancelled my iup earlier in the week. Was very easy to refund the AppleCare and paid of Barclays this morning. Apple offering good prices for iphone11 so new monthly cost is £22. For apple care it’s another £8 per month.
 
tehnath said:
Is the trade-in price good value at the moment compared to selling privately?

I have a small crack in my screen, so on the IUP I was expecting to pay the £25 excess for the damage and hand the phone in (have done this once before) - anyone know if this is possible on trade-in if I went to monthly payments?
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Also wondering about this!
 
derf1990 said:
I cancelled my iup earlier in the week. Was very easy to refund the AppleCare and paid of Barclays this morning. Apple offering good prices for iphone11 so new monthly cost is £22. For apple care it’s another £8 per month.
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I wasn't aware you could get apple care refunded? how did you do this?
 
blaugrana69 said:
I think the general view is that it wouldn’t be wise to have a number of credit checks on your record in a short period, particularly if you’re planning on applying for a large amount of credit in the foreseeable, for e.g. a mortgage application. The occasional credit check ? Can’t see it have any great impact on your credit rating over the longer term. However it might vary by individual if, for example, your credit history isn’t particularly healthy.
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Also it isn't a hard pull every time (in the USA version). They say that they can but that doesn't mean they will. I've been in the program since it started and my credit score is still great.
 
derf1990 said:
I cancelled my iup earlier in the week. Was very easy to refund the AppleCare and paid of Barclays this morning. Apple offering good prices for iphone11 so new monthly cost is £22. For apple care it’s another £8 per month.
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jaack said:
Also wondering about this!
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I was offered the same amount for my phone as the best price on the selling comparison sites - apparently that's how it works? My friends said when he did his last trade-in with Apple, they just included a box to send off to the trade-in company rather than sending it back to Apple.
 
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MisterSavage said:
Also it isn't a hard pull every time (in the USA version). They say that they can but that doesn't mean they will. I've been in the program since it started and my credit score is still great.
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Been some debate whether it’s “soft” or “hard” in the UK. That’s in relation to the (new) 24 months at 0% not the iUP.
 
Just came off the call with Apple support. I’m keeping my 11 Pro this year.

It looks like a lot of hassle for me to try and sell the device in private to really make it worth the money and then pay off Barclays and on top then go buy the device with 24 months plan which is going to do another hard credit check.

All this when we don’t even know if we’re going to be able to go out and about this year or even next year to some extent.

I mean my main motivation for the 12 Pro Max was the camera and with the present situation it doesn’t feel like I’ll have much opportunity to be able to use it that much.
 
krisgreen65 said:
Have just paid off my IUP and pre-approved myself for the new Pro Max on 24 months 0%
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So I guess it's down to whether one has the spare £500 to pay off the IUP (if you got the 11 in Sept 19).

The 24 month plan does seem tempting (with AC).

If you do the trade in of your current iPhone with Apple on the 24 month plan, do you still then need to call barclays/apple to get the old applecare refunded ?
 
marklemac said:
So I guess it's down to whether one has the spare £500 to pay off the IUP (if you got the 11 in Sept 19).

The 24 month plan does seem tempting (with AC).

If you do the trade in of your current iPhone with Apple on the 24 month plan, do you still then need to call barclays/apple to get the old applecare refunded ?
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Just spoke to apple support about the same. Yes you do. Pay off the barclays loan at 12 months then get a refund on the remainder
 
what a ball ache..... lol.

I don't know whether to just buy the Max outright, and then on the 16th go to the store and hand back my 11 and clear the IUP, or take out the 24 month, and trade in the phone, get reduced payments and then pay off barclays.

decisions decisions, lol. :) :)
 
akash.nu said:
Just came off the call with Apple support. I’m keeping my 11 Pro this year.

It looks like a lot of hassle for me to try and sell the device in private to really make it worth the money and then pay off Barclays and on top then go buy the device with 24 months plan which is going to do another hard credit check.

All this when we don’t even know if we’re going to be able to go out and about this year or even next year to some extent.

I mean my main motivation for the 12 Pro Max was the camera and with the present situation it doesn’t feel like I’ll have much opportunity to be able to use it that much.
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I’m the same, a lot of hassle to sell the phone in the current climate to get a new one where Im basically going to sit in my house and use 😂 think I’ll stick with my 11 pro max until (hopefully) September and then I can sell it and get the 13. Lets just see if I can be patient enough to wait another 10 months!
 
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Hey all,

Can I just check. I am in Scotland and the Apple stores are open here for walk ins etc. So when the pre order opens at 1pm. I should be able to just pre order and select my store for pick up and in store I can just ask them to put me on the IPhone upgrade program? Is that how it will work? Sorry if it’s a silly question. It’s just that when I was on an IUP in the past I always did it in store and never selected my device online. Also when pre ordering it should give me an option to reserve to pick up. Or do I need to pick payment options during pre order?
 
blaugrana69 said:
Been some debate whether it’s “soft” or “hard” in the UK. That’s in relation to the (new) 24 months at 0% not the iUP.
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I am quite interested to see whether hard/soft. For future purchases like MBP, I’d like to continue this route.
 
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