Hi Juicy,
Of course it is much better to buy the phone. If you take any of the programs offered, you are financing the phone, and paying quite a fortune for that financing too.
To the phone company's credit, they do a fantastic job of disguising this. They make it soooooo easy to get a phone with little or nothing down. And even if you ask them, at least here in Canada, they don't use the word financing anymore. It's a "plan", with the cost of the phone buried deep into the monthly cost and service contract.
Want a phone? Shop around and buy it outright first, then shop for a carrier. You'll save a lot.
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