9, a brand new,, iPhone will be available for pre-order. If you’re after a new phone, you may be considering the payment plan that Apple introduced, the iPhone Upgrade Program, a monthly installment program that promises a new phone each year. Or perhaps you got roped into it last year, assuming that Apple was going to introduce a markedly new phone this year. Either way, if you want to know whether signing up for the program is the right move for you, or you’re already on board and want to know how to get your next iPhone, this is the guide for you.

Is it worth it? This really depends on how much you want the latest iPhone when it comes out. If you’re an early-adopter that always needs to have the newest gadgets, and are willing to pay for them, the iPhone Upgrade Program might be for you. Essentially, the scheme is a 24-month financing program, where the price of the iPhone is spread over the course of the contract, and where the phone is yours at the end of it. (The contract resets when you exchange your phone for a new one, but more on that later.) So, if you were to buy an 128 GB iPhone 7, $749 to buy it outright. (And if you added on Apple’s insurance program, AppleCare+, the phone would run you a total of $878.) If you enrolled in the upgrade program, $36.58 a month for 24 months, which comes to $877.92, or a saving of exactly $0.08.

(The upgrade program includes the cost of AppleCare+.) If you don’t think 8 cents is worth the hassle, you can also look at it this way: Every year, you’re getting a new phone, and every year you’re only paying half of that contract, effectively making the cost of that new iPhone $438.96. The only downside of this logic is that for that to hold up, you essentially have to stay enrolled in the program forever. The minute you decide you want out of Apple’s walled garden, you’ll have to pay off what’s remaining on your contract. So if you’re enrolled in the program for three years, you’ll get three iPhones, but you’ll have to keep paying for a fourth year. Hopefully the iPhone 9 is a really great device. Otherwise, there’s always the option to buy a new iPhone outright and then sell it online on sites like eBay or Gazelle. For example, a well-treated 64 GB iPhone 6S Plus $300 on Gazelle, meaning if you were to buy a mid-range iPhone Plus every year and then sell it, each phone would cost you roughly $449—basically the same price as a phone each year on the iPhone Upgrade Program, just without the commitment to signing up for a rolling 24-month contract.

(And AppleCare+, for what it’s worth.) How to sign up If you’re still convinced you want to stay in Apple’s sleek, aluminum embrace for the foreseeable future, here’s how to join the program: • Make an appointment at your local Apple Store—or wait a few weeks until the fervor around the launch of the iPhone 7 fades and just walk in. • Bring two forms of identification, such as a driver’s license and a credit card. How can i get microsoft office.

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Apple is also promoting new monthly payment options for both AppleCare+ and AppleCare+ with Theft and Loss. Monthly pricing is available for a maximum of 24 months, and goes for $10 for the.