Look up the Easy Payment and Bring-it-Back programs. Either give you options to pay varying amounts up front, and a monthly rate. I screenshot options for you below showing what it would look like for an iPhone 11 Pro with 256 GB of storage. The amounts will change based on the phone you're buying. The difference in cost is because with Bring-it-Back, after 24 months you either have to trade your phone in or pay the difference.