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I've been using a little-known Apple program since it began — and I would recommend it to anyone

• Apple's iPhone Upgrade Program allows you to pay over 24 months, or upgrade after at least 12 payments. • Only 12% of iPhone owners buy directly from Apple. • If you wouldn't buy a laptop from your internet provider, you might not want to buy a phone from your wireless carrier. It's only a matter of time before the iPhone 8 hits the shelves. If you're planning to trade in your old phone, it's worth considering an underutilized way to buy your next one: Apple's iPhone Upgrade Program.
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