Do you need excellent credit in order to qualify for a new iPhone 11 in monthly installments?

[PutThatMoneyOnTheTable]

This is a typical example of trying to live above ones mean.

I see you also mentioned a 27k car, I hope you are taking us for a joy ride in this thread.

If you are indeed serious please heed the advices given above.

[Grizzly1]

If storage is your issue with your only issue with your current phones, I can fix that for you and it won't cost you a dime. Go into tour settings>General>iphone storage. Near the top I'd wager a bet that there will be a box that says "Review large attatchments". Those are all pics that were either sent or recieved in texts. Go through that and delete every picture. Don't worry, if you have these pics saved they won't delete from your albums. Just will delete pictures from your text history.

After that go through all your apps in that same folder and delete any apps you never use. If you still don't have enough storage after that, then buy 200 gig's of icloud storage from apple for a mere $2.99 a month.

If your hell bent on getting a new iphone, why not wait for the S model to come out next fall? They are usually a better phone anyway and you can get your financial picture in shape in the meantime.

[iced]

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@Aim_High wrote:

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@IcyCool7227 wrote:

When I get a job I was planning on getting the new iPhone 11

But my credit is in the fair range

I cannot afford to buy it one lump sum.

I was thinking of having my aunt pay it and then I could pay her back every month.

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Time to regroup and reassess here.  So much wrong with this line of thought.

As @Jannelo pointed out, you have huge unpaid debts already.

You have no job ... yet.

You have no savings to buy the phone.

Your credit is tanked due to prior irresponsibility.

Yet you want the latest and greatest and brand new iPhone? 

As subtly suggested by  @FinStar, perhaps an adjustment of expectations is in order?  Maybe after you actually get the job and your first paycheck, you can begin saving towards the new phone, maybe even find a gently-used older model online for sale that would be sufficient for awhile?  And use the extra money towards paying off debts and getting your credit back in order, which are both much more important than having the latest iPhone. 

Please don't take advantage of your aunt's goodwill to buy an expensive phone that you probably will never be able to pay her back for.  Your relationship with your family is more important than that. 

This.

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@IcyCool7227 wrote:
That and the new or a year old Ford Fusion Hybrid Electric car. Retail price is $27k.

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@IcyCool7227 wrote:
I have 5 phones right now but none of them have very much storage space and 2 are old iPhone 4s's.

[OmarGB9]

Not sure if you're serious, but as other people have said, you have $10k in charge offs and another $2,500 you're trying to BT and you don't understand why lenders won't approve you for a BT card, and then you're asking about getting a new $1k phone AND a $27k car...???? I think some rearranging of priorities and a serious intervention is in order here.

[RSX]

We have been the intervention so far. Up to the OP on whether they want to listen or not

[IcyCool7227]

Here is another reason I want the latest iPhone, besides the yellow color. It has iOs 11 and that would allow me to take iOs 11 only compatible usability tests to make even more money with.

[RSX]

I don't fully understand this post, but iPhone 11 comes with IOS 13

[Jnbmom]

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@IcyCool7227 wrote:

Here is another reason I want the latest iPhone, besides the yellow color. It has iOs 11 and that would allow me to take iOs 11 only compatible usability tests to make even more money with.

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Priorities, If I am to be brutally honest, you need to work on your debt and your charge offs, not worry about getting the lastest phone.

[IcyCool7227]

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@RSX wrote:

I don't fully understand this post, but iPhone 11 comes with IOS 13

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Sorry I didn't know. Those usability tests require at least iOs 11 so I could go with a previous iPhone but I'd rather have the latest. With a job I could afford the monthly payments if I do a budget check and not pay so much on other stuff.

[OmarGB9]

No offense, but I feel like you're completely ignoring everyone's advice and the big picture here.