"Get a new iPhone every year. Just trade in your current iPhone for a new one after 12 payments" reads the email I was recently sent by Apple themselves. Partnered with AT&T, Verizon, Sprint and T-Mobile, Apple wants users to pay off an iPhone at a minimum of $32.41 per month, handing it in and getting a new one every year.
What's interesting is not only that it's coming from Apple themselves, but you have to hand your iPhone back when you're done. This seems inferior to carriers in Australia, for example, who generally allow you to keep the device after this time, meaning many users are able to sell their second hand smartphones for a few hundred dollars or hand them down to siblings out of good will.
Available through Apple stores directly, this plan seems to need a consultant ready on hand to process your request - clicking the link out of hours tells you to come back in the morning.
For those looking to save money off a new iPhone purchase (outright), Apple is also offering $230 credit to users handing in an older model.