Your phone is typically locked to that carrier until paid off, and "free" phones often require expensive unlimited plans. 3. Maximize Trade-In Value

If you are a student or teacher, you can often save $50–$100 by using Apple’s Education Store . Are you planning to pay upfront for carrier freedom, or Preparing for New iPhone 16 Release and Upgrade Guide

Best for those willing to commit to a 24- or 36-month plan.

January and February are ideal for finding deals on inventory as retailers clear stock.

Phones are usually unlocked (except for AT&T installments), giving you freedom to switch carriers.

Historically, Black Friday (November 27, 2026) offers the maximum savings, often including $200–$400 discounts or accessory bundles at retailers like Best Buy and Amazon

Deepest discounts, sometimes up to $800–$1100 in bill credits with an eligible trade-in.