20 Months 0% finance on Iphone 8,8 Plus and X. Instore @ Apple only.
1655°

20 Months 0% finance on Iphone 8,8 Plus and X. Instore @ Apple only.

375
Found 20th Sep 2017
This is not the Iphone Upgrade programme.
It is also not Paypal payments nor Barclays Iphone financing.
All the above are available online.

This is IPHONE PAYMENTS, and is available through Apple stores only.
It is financed through Barclays but is basically the phone 0% over 20 months.

Iphone 8 64gb £31.50 a month. £69 deposit.
Iphone 8 256gb £39 a month. £69 deposit
Iphone 8 Plus 64gb £36.50 a month. £69 deposit.
Iphone 8 Plus 256bg £44 a month. £69 deposit.
Iphone X 64gb £46.50 a month £69 deposit
Iphone X 256gb £54 a month £69 deposit.

Pair this with a cheap sim only deal, it will beat any carrier contract deal hands down over the term and all SIM only plans are max 12 months so free to move carrier if they are useless.

The phone is unlocked and you can use whatever carrier sim in it and change at any time.

This Iphone Payments offer is hidden away on the Apple website, my link is the upgrade program but on that page there is a link "Learn more about iphone payments) and all details are there.

Obviously it is dependent on you finding stock of the model you want instore.
Please see terms on the page re documentation needed instore when attending. (as per normal credit application).
Community Updates
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Top comments
What a great way to make it feel like your not paying a thousand pounds for a phone.
bigbak21 h, 59 m ago

The link goes to prices with AppleCare+. There's a pop up for these …The link goes to prices with AppleCare+. There's a pop up for these prices.Way too much to pay for a phone these days for me.I don't quite understand the quibbling over the higher priced one. Adjusted for inflation it's only around £200 more than the first iPhone.


The main issue is that the iPhone X is 999 dollar in USA which is £734 in UK.

Yet Apple has the cheek for the first time ever to match the UK price to USA, with no change for the exchange rate!
Edited by: "suarez777" 21st Sep 2017
My money saving tip for the day:

Install iOS 11. Choose one of the nice new background images. Clean reformat. Get a new phone case, or use it without a case. I'm gonna go caseless with 6S.

Save £1000 and get a new feeling

Update: I've found 6S to be far too slippy without a case so its back on! But my advice stands. The official Apple cases look good.
Edited by: "unreality" 26th Sep 2017
suarez77710 m ago

The main issue is that the iPhone X is 999 dollar in USA which is £734 in …The main issue is that the iPhone X is 999 dollar in USA which is £734 in UK.Yet Apple has the cheek for the first time ever to match the UK price to USA, with no change for the exchange rate!


OK - I'll say it before anyone else: US prices EXCLUDE sales taxes. A fairer comparison is to add 20% for the UK sales tax (VAT), i.e.

$999 + 20% = $1199

At current conversion rate of £1= $1.36, iPhone X = ~£881 cf. £999

Yes, still a rip-off, but not by as much as you suggest.
Edited by: "Eotris" 20th Sep 2017
375 Comments
This is standard. Where is deal?
Original Poster
Rastafari2 m ago

This is standard. Where is deal?


it is not standard, the deal is for the 0% finance which is a deal.
not taking reservations...
Brand new handsets and already available on 20 months interest free. I’ll stick with my iphone 7. Expected so much more from the Apple event. For me, just a letdown.
But heat to OP for those that must have.
The link goes to prices with AppleCare+. There's a pop up for these prices.

Way too much to pay for a phone these days for me.
I don't quite understand the quibbling over the higher priced one. Adjusted for inflation it's only around £200 more than the first iPhone.
Original Poster
admando3 m ago

not taking reservations...


as per post, you need to find stores with your model in stock on the day,
Original Poster
bigbak1 m ago

The link goes to prices with AppleCare+. There's a pop up for these …The link goes to prices with AppleCare+. There's a pop up for these prices.Way too much to pay for a phone these days for me.I don't quite understand the quibbling over the higher priced one. Adjusted for inflation it's only around £200 more than the first iPhone.


yes the pop up doesnt have its own URL hence the link to the upgrade program and an explanation to click the link for the pop up
Yes the phones expensive but arent all Apple products, but as Poster says its a better and cheaper option than tieing yourself up to 24 month phone contract providing your happy with a sim only deal running along side this - I'm ready to upgrade after running my 6 plus since launch day so currently considering all available options for the best deal.
Heat added as I hadn't seen this on the apple website and it does suit my needs but get ready for the "Chill" from the Android Drones !!
Edited by moderator: "." 21st Sep 2017
What a great way to make it feel like your not paying a thousand pounds for a phone.
bigbak21 h, 59 m ago

The link goes to prices with AppleCare+. There's a pop up for these …The link goes to prices with AppleCare+. There's a pop up for these prices.Way too much to pay for a phone these days for me.I don't quite understand the quibbling over the higher priced one. Adjusted for inflation it's only around £200 more than the first iPhone.


The main issue is that the iPhone X is 999 dollar in USA which is £734 in UK.

Yet Apple has the cheek for the first time ever to match the UK price to USA, with no change for the exchange rate!
Edited by: "suarez777" 21st Sep 2017
HOT regardless of what anyone says they normally don't do that amount of months at 0%
Pointless if you want an Iphone X before 2018
Looks decent, but taking a sim only can cost unto £15 depending on what network and what you require. Vodafone are offering this:

32038593-biQjJ.jpg
suarez77710 m ago

The main issue is that the iPhone X is 999 dollar in USA which is £734 in …The main issue is that the iPhone X is 999 dollar in USA which is £734 in UK.Yet Apple has the cheek for the first time ever to match the UK price to USA, with no change for the exchange rate!


OK - I'll say it before anyone else: US prices EXCLUDE sales taxes. A fairer comparison is to add 20% for the UK sales tax (VAT), i.e.

$999 + 20% = $1199

At current conversion rate of £1= $1.36, iPhone X = ~£881 cf. £999

Yes, still a rip-off, but not by as much as you suggest.
Edited by: "Eotris" 20th Sep 2017
Eotris7 m ago

OK - I'll say it before anyone else: US prices EXCLUDE sales taxes. A …OK - I'll say it before anyone else: US prices EXCLUDE sales taxes. A fairer comparison is to add 20% for the UK sales tax (VAT), i.e.$999 + 20% = $1199At current conversion rate of £1= $1.36, iPhone X = ~£881 cf. £999Yes, still a rip-off, but not by as much as you suggest.


Is there a list of sales tax by state?

As far as I know, some states have 0% tax. So do we compare ur analysis against those states with 0% tax or those with 10%?

Also NY tax is way less than 20%
Edited by: "suarez777" 20th Sep 2017
fiestasteve4448 m ago

it is not standard, the deal is for the 0% finance which is a deal.


Funny, I bought an iPhone 7 Plus six months ago on 0% interest free from the Apple store.
When are preorders of the X going live?
suarez77720 m ago

The main issue is that the iPhone X is 999 dollar in USA which is £734 in …The main issue is that the iPhone X is 999 dollar in USA which is £734 in UK.Yet Apple has the cheek for the first time ever to match the UK price to USA, with no change for the exchange rate!


My thoughts exactly. It also seems that the OFT (Office of fair trading) are not interested in even looking into this. Still a large number of people will buy the product on credit cards without batting an eyelid.

Also, Samsung offered a massive trade-in offer for people who still had the Note 7, but of course that offer was not available to anyone in the UK. Again OFT not interested.
Aaronnnn13 m ago

Looks decent, but taking a sim only can cost unto £15 depending on what …Looks decent, but taking a sim only can cost unto £15 depending on what network and what you require. Vodafone are offering this:[Image]



£1662 over 24 Months for an iphone 8 plus

The maths work out cheaper for a 20 month Plan from apple and a sim only deal for the X 256GB.

However I do understand everyones monthly budget , upfront cost , term preference are all different.
stef2323 m ago

£1662 over 24 Months for an iphone 8 plusThe maths work out cheaper for a …£1662 over 24 Months for an iphone 8 plusThe maths work out cheaper for a 20 month Plan from apple and a sim only deal for the X 256GB.However I do understand everyones monthly budget , upfront cost , term preference are all different.


It all depends if a decent sim only deal is availble.
Aaronnnn1 m ago

It all depends if a decent sim only deal is availble.


Use ur employee discount on EE, it is much cheaper.

You can get iPhone X on that contract with ur discount, maybe £100 extra over 2 years.
0% doesn't mean it's cheaper Dam you Apple... you took away headphone jack and everyone follow suit. Now you raised the price, I am sure the rest are following as well! The last I heard Google PIXEL is closer to the 1K mark then before. Is this some form of colussion or something? :P
suarez7774 m ago

Use ur employee discount on EE, it is much cheaper.You can get iPhone X on …Use ur employee discount on EE, it is much cheaper.You can get iPhone X on that contract with ur discount, maybe £100 extra over 2 years.


Tell me more about this discount please
suarez77717 m ago

Is there a list of sales tax by state?As far as I know, some states have …Is there a list of sales tax by state?As far as I know, some states have 0% tax. So do we compare ur analysis against those states with 0% tax or those with 10%?Also NY tax is way less than 20%



I am not trying to be argumentative, but as Apple has no control of sale taxes in any country, I fail to see your point?

Maybe, if I reverse the argument it would be clearer: to have a fairer comparison, we should strip out sales taxes, i.e.

iPhone X (US) = $999
iPhone X (UK) = £999 - 20% VAT = £832.50 = ~$1132

A difference of ~$132, which can be explained by Apple hedging on the currency market (£ has fallen as low as $1.20, which would coincidentally equate to $999, i.e the same price).
Aaronnnn4 m ago

Tell me more about this discount please


I thought u got ur 15% discount on Vodafone, because you work for some company?

Through my workplace I get 15% off at Vodafone and 20% at EE, so I thought you would too.
I remember the days when I didn't need to pay a mini mortgage just for a phone
suarez7772 m ago

I thought u got ur 15% discount on Vodafone, because you work for some …I thought u got ur 15% discount on Vodafone, because you work for some company?Through my workplace I get 15% off at Vodafone and 20% at EE, so I thought you would too.


In all fairness that was just applied
Eotris8 m ago

I am not trying to be argumentative, but as Apple has no control of sale …I am not trying to be argumentative, but as Apple has no control of sale taxes in any country, I fail to see your point?Maybe, if I reverse the argument it would be clearer: to have a fairer comparison, we should strip out sales taxes, i.e.iPhone X (US) = $999iPhone X (UK) = £999 - 20% VAT = £832.50 = ~$1132A difference of ~$132, which can be explained by Apple hedging on the currency market (£ has fallen as low as $1.20, which would coincidentally equate to $999, i.e the same price).


Valid point.

End of the day as a consumer I am seeing this as the final price available to consumer. iPhone X in NY is $999 * 1.09 sales tax = c$1100, which is still roughly £200 more than UK. However ignoring all operational expenses.

Also this is the first time Apple has ever introduced equal pricing too, despite UK reducing corporation taxes to 15%, not 20%.
My money saving tip for the day:

Install iOS 11. Choose one of the nice new background images. Clean reformat. Get a new phone case, or use it without a case. I'm gonna go caseless with 6S.

Save £1000 and get a new feeling

Update: I've found 6S to be far too slippy without a case so its back on! But my advice stands. The official Apple cases look good.
Edited by: "unreality" 26th Sep 2017
Aaronnnn10 m ago

In all fairness that was just applied


Really? Doesnt happen to me, when I go on the site, guess its ur lucky day then! (without using the code)
suarez77754 m ago

The main issue is that the iPhone X is 999 dollar in USA which is £734 in …The main issue is that the iPhone X is 999 dollar in USA which is £734 in UK.Yet Apple has the cheek for the first time ever to match the UK price to USA, with no change for the exchange rate!


I am not sure what is confusing about what he said.

As the guy above pointed out your conversion is misleading as sellers in the UK must include VAT, however in the USA the sales tax is not included.

The fairest way is to convert the US price to UK and then add on our 20% VAT.

Apple products (being a US company) will always add margin on the products for multiple reasons, 1) to guard against currency exchange fluctuations, 2) To contribute towards the higher cost of doing business i.e.EU/UK have much higher degrees of consumer protection and 3) To account for other taxes and tariffs and even marketing.

Apple will have pegged the price based on late August / early September exchange rate of £1 = $1.28 - $1.30. Using these figures we can take $999 and convert to pounds (let's say £1 = $1.30) = £768, then add VAT = £922 thus mark up is £77.

As we have seen shifts in the exchange rate that benefit us $999 / 1.357 = £737.70 now we add on our VAT giving us a US to UK comparative rate of £885 thus £114 higher.

Just one week has swung the difference £37. Now see why products in the UK cost more for US companies? What would have happened if the currency devalued to $1.25 the iphone would only be £39 more than US.
Edited by: "gary333" 20th Sep 2017
suarez77717 m ago

Valid point.End of the day as a consumer I am seeing this as the final …Valid point.End of the day as a consumer I am seeing this as the final price available to consumer. iPhone X in NY is $999 * 1.09 sales tax = c$1100, which is still roughly £200 more than UK. However ignoring all operational expenses.Also this is the first time Apple has ever introduced equal pricing too, despite UK reducing corporation taxes to 15%, not 20%.


This is where you are making a mistake. Apple is a business, they price according to what they want to make (margin) on a product. The way you compare is by converting the base US price with the UK price. You then add our 20% VAT on.

You don't add 20% to the US price and convert, nor do you add the US sales tax on and convert.

VAT is a price our government have decided is what we must pay, not the company.
gary33311 m ago

I am not sure what is confusing about what he said. As the guy above …I am not sure what is confusing about what he said. As the guy above pointed out your conversion is misleading as sellers in the UK must include VAT, however in the USA the sales tax is not included.The fairest way is to convert the US price to UK and then add on our 20% VAT.Apple products (being a US company) will always add margin on the products for multiple reasons, 1) to guard against currency exchange fluctuations, 2) To contribute towards the higher cost of doing business i.e.EU/UK have much higher degrees of consumer protection and 3) To account for other taxes and tariffs and even marketing. Apple will have pegged the price based on late August / early September exchange rate of £1 = $1.28 - $1.30. Using these figures we can take $999 and convert to pounds (let's say £1 = $1.30) = £768, then add VAT = £922 thus mark up is £77.As we have seen shifts in the exchange rate that benefit us $999 / 1.357 = £737.70 now we add on our VAT giving us a US to UK comparative rate of £885 thus £114 higher. Just one week has swung the difference £37. Now see why products in the UK cost more for US companies? What would have happened if the currency devalued to $1.25 the iphone would only be £39 more than US.


Understand but exchange has historically been volatile, so we cant cherry pick dates. Also assume Apple has plenty of exchange rate derivatives to protect from this anyway.

Apple historically has never done this before, even Samsung Note 8 is pricing is fairer for UK citizens.

End of the day, Apple knows that its brand loyalty is the best and people still still buy if its £900 or £1000.

No point arguing over this, there are 100s other factors, like brand loyalty.
gary3333 m ago

This is where you are making a mistake. Apple is a business, they price …This is where you are making a mistake. Apple is a business, they price according to what they want to make (margin) on a product. The way you compare is by converting the base US price with the UK price. You then add our 20% VAT on. You don't add 20% to the US price and convert, nor do you add the US sales tax on and convert.VAT is a price our government have decided is what we must pay, not the company.


I added 9% sales from NY.
hot
Have heat. However if you're a loyal customer with EE, Three etc you can get a better deal on those networks with retentions. You have to get past the first line potatoes though. As they have no power.

With my 7 plus 128gb I paid nothing up front (haggle) and £45.99 a month for two year contract. (loyalty)
25gb of data, unlimited minutes and texts.
Then last month they had an offer on to upgrade to the 40gb tariff for use in USA etc for an extra £2.
So now it's £47.99 a month which is a really good deal.

suarez7778 m ago

Understand but exchange has historically been volatile, so we cant cherry …Understand but exchange has historically been volatile, so we cant cherry pick dates. Also assume Apple has plenty of exchange rate derivatives to protect from this anyway.Apple historically has never done this before, even Samsung Note 8 is pricing is fairer for UK citizens.End of the day, Apple knows that its brand loyalty is the best and people still still buy if its £900 or £1000.No point arguing over this, there are 100s other factors, like brand loyalty.


How do you think companies base line a price. They pick dates, this isn't finger a finger in the air job! The rate for the last 12 months averages out at around £1-$1.27.

Samsung is not a US company

Anyway as you are quite clearly here just to grind your axe we can safely say the likely average differential is not anywhere near what you were originally quoting.
Aaronnnn1 h, 11 m ago

Looks decent, but taking a sim only can cost unto £15 depending on what …Looks decent, but taking a sim only can cost unto £15 depending on what network and what you require. Vodafone are offering this:[Image]



Not a great deal.
Let's break down this cost.

£68 a month x 24 plus £30 up front = £1662
Take away the RRP at the moment.
£1662 - £949 = £713
£713 is the cost of the 60gb sim over 24 months.
£713 divided by 24 = £29.70 a month..

So you're paying more

Cheaper options

32039345-VG3aT.jpg
Even the most expensive option for 100gb is cheaper than Vodafone at £25 a month.

Most people will use the £18 deal as 30gb is a lot of data.
Has anyone upgraded to iOS 11 yet what's the latest any changes or iPhone just got slower
ebaysniper1 h, 9 m ago

My thoughts exactly. It also seems that the OFT (Office of fair trading) …My thoughts exactly. It also seems that the OFT (Office of fair trading) are not interested in even looking into this. Still a large number of people will buy the product on credit cards without batting an eyelid.Also, Samsung offered a massive trade-in offer for people who still had the Note 7, but of course that offer was not available to anyone in the UK. Again OFT not interested.


Get a grip mate. The OFT isn't designed to dictate the prices companies set. Apple have chosen to do this - let them do this. I think it's mad paying this much for a phone but you know why they've done it? Because people will buy it. If you could charge a thousand pounds for something worth less and know that people will still buy it then you would. Your argument about the prices of everything loses traction when we think about prices in 3rd world countries compared to ours as they have everything cheaper!!
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