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The true price of a smartphone used to be hidden in the price of cell phone service. So an $850 phone might cost only $200 up-front, but the carrier would extract the other $650 from you during the life of the mandatory contract. Now we're seeing more unlocked phones. If you pay the full $850...

I think I may have found the $40.xx option. I went through pre-order pages for the iPhone 7+ (256 GB, Verizon) and for the Apple iPhone Upgrade program. Eventually I landed on a page titled "How would you like to pay?". The first box said "Apple iPhone Upgrade Program – $45.75/mo for 24 mo."...

The Terms and Conditions ( http://www.apple.com/legal/sales-support/iphoneupgrade_us/ ) indicate that the upgrade is a trade-in deal. When you upgrade, you must return the old iPhone and take out a new 24-month installment agreement on the new one. Once you've paid off the first installment on...