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I paid full price for my iPhone 13 pro max so I see no reason that I don’t do the same for my soon to be iPhone 14 pro max. I like to not be tied down to one carrier. Who else?

‘I have Bought mine, out right, with no contract for years. I trade in my previous phone to Apple and it cuts my cost in half. I consider it a bargain every year when I consider all the iPhone does for me!
 
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What is the best way to trade in my iPhone 12 and pay the difference for the iPhone 14 Pro? It seems like if I pre-order online, the trade in process for my iPhone 12 will result in Apple just sending me a gift card with the trade in value? I would rather just have my trade in value applied at the time of purchase of the iPhone 14 Pro.

Verizon takes off trade in before purchase.
 
Going through IUP for the 14 Pro Max, will be giving my 13 Pro Max to my girlfriend most likely.
 
I still don't understand the pay in full/outright decision. IUP is basically a free loan. I rather have the extra money inside my pockets then these companies. I can literally do apple card no interest monthly payments but for what to lower my limit. Nah I do IUP. I mean the majority who pay outright end up getting some type of insurance on it right? Again its the same. As a business owner I love free loans. Very few of those lately honestly.
We don’t want to lift the security freeze on our accounts right now to do 1UP (which I always did before.) We just went through Identity Theft & want all the security still in place. All systems worked and we didn’t lose any $,but I am paying in full. No loans right now.
 
Paying full price so it’ll be unlocked and use my ATT and TMobile number.
 
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