Unfortunately, all of the major carriers are currently charging roughly the same price for Apple's latest smartphones, which means your best bet for saving money is to take advantage of the trade-in specials, some of which can lower your price by as much as $300. Credit: Apple
Alternatively, there's one retailer who's taking $100 off all iPhone 8 and iPhone 8 Plus purchases, albeit, with a catch. You must purchase the phone at a Walmart brick and mortar store.
Here are the best iPhone 8 and 8 Plus deals we could find. We haven't seen any iPhone X deals yet, but remember pre-orders for Apple's new flagship won't start until Oct. 27.
Verizon is offering 24-month installment plans for the iPhone 8 (starting at $29.16 per month) and iPhone 8 Plus (starting at $33.33 per month).
Of course, Big Red is also offering the iPhone at its full retail price, which starts at $699 for the iPhone 8 (64GB) and $799 for the iPhone 8 Plus (64GB).
Verizon is also offering a discount of up to $300, provided that users trade in a device and sign up for a Verizon Unlimited data plan. That works out to $16 per month for the iPhone 8 and about $20 per month for the iPhone 8 Plus. It's currently your best bet if you're a Verizon subscriber.
Credit: Philip Michaels
For Verizon, the X in iPhone X stands for to-be-announced pricing, as the telecom isn't sharing its sales or monthly plans for that handset yet.
AT&T offers both monthly plans and full, pay-up-front pricing. Its Next payment plans, which stretch its price out over a 30-month span, amount to the same price you'd pay up front, but it also means that you'll still be paying off the device when Apple releases the next two generations of iPhones.
Those 30 monthly payments of $23.34 for the 64GB iPhone 8 add up to $700.20, only 21 cents more than that model's $699.99 asking price. Likewise, 30 monthly payments of $26.67 for the 64GB iPhone 8 Plus comes to $800.10 (vs a $799.99 retail price). Similarly, 30 payments of $33.34 for the 64GB iPhone X stacks up to $1,000.20. (The model costs $999.99 in one fell swoop.)
T-Mobile currently advertises both full-retail pricing and its Equipment Installment Plan with eligible trade-in. Those taking advantage of the EIP with trade in will get a discount of up to $300 via a series of 24 monthly bill credits, which works out to $12.50 per month. That $12.50 knocks off less than half of the monthly payments for each device.
T-Mobile will either sell you the 64GB iPhone 8 for $699, or, with $0 down (for a limited time), charge you $29.17 per month over those 24 months. The 256GB version costs either $849.99 up front, or $28 per month for 24 months with a $177.99 down payment.
T-Mobile's monthly installment plans for the iPhone 8 Plus and iPhone X bill you $30 per month no matter which handset you select, and have you pay more upfront. This leaves $79.99 to be paid upfront for the 64GB iPhone 8 Plus, $229.99 at the start for the 256GB iPhone 8 Plus, $279.99 for the 64GB iPhone X or $429.99 for the 256GB iPhone X.
T-Mobile also announced a new iPhone upgrade program for those who always want the next iPhone. After you pay off 50 percent of an iPhone 8, 8 Plus or X using T-Mobile's monthly installment plan, T-Mobile will wipe off the rest of the remaining payments so you can upgrade to the next iPhone immediately.
Sprint: The best for trading in for an iPhone 8 Plus
Sprint just launched a new iPhone 8 and iPhone 8 Plus sale where you can save $350 on either Apple iPhone with Sprint Flex and an eligible trade-in. We especially like that the sale applies to all memory configurations of both iPhones. Prices range from $9.72/month for the 64GB iPhone 8 to $13.89/month for the 256GB iPhone 8 Plus.
Trade-ins include a diverse mix of phones including the iPhone 7, iPhone 7 Plus, iPhone 6, iPhoe 6 plus, iPhone 6s, iPhone 6s Plus, Samsung GS8, Samsung GS8+, Samsung GS7, Samsung GS7 Edge, Samsung Note 5, LG G5, LG G6, LG V20, Google Pixel, Google Pixel XL, Moto Z Droid, Moto Z Play, Moto Z2 Force, Moto Z Force Droid, Moto Z2 Play, BlackBerry KEYone, and the HTC U11.
Sprint Flex accounts pay off a phone over a series of 18 monthly payments. After 12 months, you're eligible for an upgrade.
You can also buy an iPhone from Comcast's Xfinity Mobile service—an Mobile Virtual Network Operator (MVNO) that operates on Verizon's network and is only available to Comcast internet customers. If you're not familiar with Xfinity Mobile, it attracts users with pay-per-gigabyte data plans that can enable savings for those who can rely on Wi-Fi for most of the time.
Xfinity offers the phones in both full-price up-front pricing, and in 24 monthly payment leases. lease the 64GB iPhone 8 for $29.17 per month (over 24 months) and the 256GB version $35.42 per month (for 24 months). For the iPhone 8 Plus, you'll spend $33.33 per month over 24 months for the 64GB version and $39.58 per month over 24 months.
Freedom Pop's Budget Data Plans
Even if you're not familiar with Freedom Pop, it's new iPhone deal is among the best we've seen. The carrier unveiled a new data plan that offers 500MB of data, 500 minutes, and 500 text messages for just 99 cents per month. For more realistic usage, they're also offering 5GB of LTE data for $18 per month.
Freedom Pop's data deals will work with any iPhone — not just the iPhone 8 and iPhone X. Moreover, they will give you up to $400 for a used iPhone, as long as the handset is in good condition. Just keep mind that they'll pay you in cash and you'll have to bring your own iPhone, since the carrier doesn't sell Apple's smartphones.
If you live near a Walmart and are willing to trek into a store, the big box retailer is taking $100 off the iPhone 8 and iPhone 8 Plus for AT&T, Verizon, and Sprint. The discount requires an installment agreement and the fine print mentions the deal is offered at select locations only, so we recommend you contact your local store beforehand to make sure they'll honor this discount. The offer ends October 31.