Do you buy your phone outright or payment plan?

Question

I’m watching these YouTube videos of people ordering the iPhone 12 and literally everyone buys it outright. Since I was a kid all my phones have been payment plan through provider. Literally no interest and I pay a small amount for the phone every month. Plus I usually keep my phone for years on end and will update eventually but not every year. Like am I the only one?

Answer

We have always bought outright as we need then unlocked.

Answer

I do outright, but I also have never been one to want the newest phone either. My phone broke this summer and I got a Samsung A10e for $200. I'm not about to drop a mortgage payment on a phone lol

Answer

Outright

Answer

We buy everything outright. The only exceptions would be our house and two vehicles.

Answer

I use straight talk which is a prepaid plan month to month since I hate phone contracts and I buy my phone's outright. Right now I have a Huawei it was like $250 and it does everything I need it to and it's lasted 2 years now. It's the same as some fancy Galaxy 11 or whatever, does the same stuff why pay $1000 for it

Answer

I did a payment plan last year, but then paid it off a few months later with my stimulus check. All my other phones I bought up front

Answer

I usually calculate which will cost less. With my provider, they have a “tab” system that puts the phone you want into either a small/medium/large/xlarge payment that’s added on to your bill. When I bought my iPhone 8Plus, it was cheaper to add it to the tab and saved me about $400. I payed it all off within 6 months though.
For my husbands XR more recently, it was refurbished and the same price to buy outright so we did.
I prefer to minimize my monthly payments if I can, but usually go with whatever will save me money in the long run.

Do you buy your phone outright or payment plan?

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