You can buy an iPhone 12 Mini on Swappa for less than $300 right now, so if that offer is valid with VZ, that might be the way to get it. Other than credit spread over 36 months, I wonder why they are giving such high valuation on an older, less expensive model? Apple only gives $250 for the same phone. I have an iPhone 8 I bought for $100 6 months ago for a trade in I never did, but I am keeping it as a spare/hot spot for travel.