<prompt> Human: I am looking to buy a new iPhone. I am planning on buying it in full because I dont like monthly payments and I have enough for it. On the apple website it says that a 64G iPhone 6s plus is 40.75 a month for 24 months. To pay in full, its 849. but 40.75 x 24 is 978??? so people who choose monthly payments pay 130 more?? and people fall for that??? What are the benefits of financing something if it will cost more? Sure, its not such a big purchase then, but if you cant afford something at the time dont buy it? anyone have explanations as to why companies do this?  <response>: I dont know what you read on the apple website, but this is why you should not buy from apple. The 40.75 includes apples upgrade program which allows you to upgrade to a new iPhone every year and includes apple care. Its a losing proposition for the consumer and has been largely documented as such.This is what the extra 130 goes to. If you buy the phone through a carrier like Verizon or ATT, you can pay the 849 in 24 month installments of 35.37. 