It 20 month not 24 month it a payment plan without Apple care
That’s not true.
You don’t have to choose the upgrade programme for the interest free option, there’s “iPhone Payments” which doesn’t include AppleCare. I chose this when I first got my 7.Where do you find this? I can’t see it. There’s quite heavy interest unless you take the upgrade programme on 0% over 20months or so but this then includes the cost of AppleCare+.
There’s seemingly three options.
1) Upgrade Programme
2) iPhone Payments 0% across 20 Months
3) iPhone Payments 0% across 24 months
It’s sort of hidden it seems, you have to go through the iPhone payments page:
https://www.apple.com/uk/shop/iphone/payments/overlay
This gives you the prices for the 20 months option, but when you actually go to reserve now and check out it gives you the prices when you spread it across 24 months.
Although once you’ve reserved the handset it’s up to you what option you choose when you go to collect it instore, so you could even just pay in full if you’ve changed your mind.
Currently however it seems for reservation the iPhone 11 Pro is completely sold out for reservation on either of the programmes listed above.
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