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daryl1965

macrumors member
Original poster
Sep 14, 2018
35
50
Nova Scotia, Canada
Canadian plans vs USA plans . Which work out to be the best for your budget? Please comment …

Canada

Canadian big 3 Cell phone carriers
Telus, Rogers and Bell have fully switched over to 2-year financing options. If you're considering a financing plan, look for upfront discounts that can save you hundreds of dollars over two years.However, if you commonly upgrade your phone every two years, a two-year lease plan is the most affordable way to keep the newest phone in your pocket. Keep in mind if you keep your phone with these plans you’re on the hook for the balance of contact $400 plus , depending on your plan. This plan your basically renting your phone BUT is it more budget friendly since you can upgrade every 2 years and not be concerned about cost increase of the new plan or new device?

USA
At AT&T, Verizon, or T-Mobile an eligible trade-in can will net you a free iPhone 14, too, again for new customers or existing customers alike, but just those who sign an unlimited contract and choose to pay off the iPhone 14 with an installment plan. Your discount will be applied via bill credits, so the iPhone 14 will technically be free.
As you may know, the deals we see on iPhones are linked with a contract to a carrier, usually with an installment plan. Retailers such as Best Buy or Amazon won't even sell the unlocked iPhone 14, and the deals there are with carriers. Therefore, your best bet is you want to get the iPhone 14 unlocked, without contract, is the Apple Store. The cool thing with the Apple Store is that Apple has its own trade-in program and can have good discounts even for the unlocked models with no contract obligations to a carrier.

Apple

You’re buying directly from Apple. Which means no more financing your iPhone through your carrier or committing to a multiyear service contract. We connect your new iPhone to your carrier for you. So you won’t have to make any changes to your rate plan. And if you ever decide to switch carriers after you activate your iPhone with AT&T, Sprint, T-Mobile, or Verizon, you can easily do that, too.
You don’t have to pay for your new iPhone all at once. You can simply pay over time. The full cost of your iPhone and selected AppleCare+ coverage is spread out over 24 months with 0% interest. And you can upgrade once you’ve made the equivalent of 12 payments.

Option 4
Keep you phone after it’s paid off .(thanks Sam)

Option 5
Just buy the phone direct from apple using cash. That way no financing schemes, no contract, no issues. Rinse & repeat whenever you feel the need or desire to.( Thanks lord hampster )
 
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Option 4: keep your existing (paid off?) smartphone and save a whole lot of money. Consider how badly you really need whatever neat-o cool features the iPhone14 offers you, if any, for how you actually use it.
 
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I prefer option 5:
Just buy the phone direct from apple using cash. That way no financing schemes, no contract, no issues. Rinse & repeat whenever you feel the need or desire to.
 
Anything that is 24mos and isn't that garbage $6 "right to upgrade early" fee, especially for people who want to upgrade yearly.
 
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