Just to add, a store person in Modesto Apple told me in order to get 0% apr for 24 months on new phone, that phone has to be tied/locked with a carrier for the duration of loan. I knew that was a load of crap, as 24 months is between me & bank/apple card/goldman. Its not like phone will be held as security. So I paid in full by apple card, and called apple card customer service right outside of store right away, and they made it a 0% apr 24 month plan, with no change to unlocked phone.