re: Best way to purchase a couple iPhone X’s?

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Just purchase them outright. Looking on Apple's store, they are sold for $999. From what you listed at 38/month for 30 months, that comes out to $1,140. I have never understood the idea about financing a cell phone. If you don't have the money to just buy one outright, then you're really making an impulse buy and it's not a smart financial decision. If you don't have the cash on hand, simply save up the money first.

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The $38 for 30 months price is for the 256GB model which sells for $1,149. You aren't paying more for a phone if you finance it with your carrier. Accepting 0% terms isn't a bad financial decision.