The new iPhone: Does it have the X Factor?

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The new iPhone: Does it have the X Factor?

Every year, around this time, Apple dominates the internet realm as they prepare to launch a new model of their iPhone. This year, the chatter is doubly prominent as they have two new models on the market. While the iPhone 8 was released recently, come this Friday, 3 November 2017, Apple will debut the hyped-up iPhone X.

Between the iPhone 8’s traditional look and the X’s modern and sleek design, it’s easy to see why the former’s launch was so underwhelming. Apple’s Sydney store used to see crowds of hundreds on launch days, but this year less than 30 people turned up that morning. This was a sentiment shared worldwide, with indifferent reviews of the phone being published online. Part of the reason for this was the hefty starting price of A$1,079 for the iPhone and A$1,229 for the iPhone Plus.

Although the iPhone X is not any cheaper, starting at A$1,579, its glass and stainless-steel casing, and the edge-to-edge display is a giant modern leap forward for the classic iPhone. The question now on everyone’s mind is if it’s worth it.

iPhoneX

iPhone 8 vs iPhone X: Which one’s better?

As Apple’s largest smartphone screen, measuring 5.8”, the iPhone X is catching up with its Android counterparts, although it still doesn’t have anything on XiaoMi Max’s 6.44” screen. True to Apple style, this phone comes with a powerful dual lens 12-MP rear camera and improved battery consumption. This is thanks to its faster bionic processor and wireless charging capability. The one truly different feature about this phone is the lack of a home button. Due to the new display, the fingerprint lock has been replaced with facial recognition capability, garnering some hilarious memes from the internet realm.

On the other hand, the iPhone 8 has kept to its classic 4.7” screen. While it too comes with a dual lens rear camera and longer battery life, the only real change to this model is the lack of a headphone jack and wireless charging capability.

Logically speaking, there isn’t much of an incentive to upgrade to the iPhone X if we consider the costs and benefits of the two iPhones. Essentially, all you’re paying for is a phone that, admittedly, looks very pretty. However, if a bigger screen is something that you need, there are several cheaper alternatives to choose from.

samsung s9 concept

Waste or Worth? Alternatives to the iPhone

Expected to launch sometime March 2018, the Samsung Galaxy S9 is a good midrange phone. Fitted with powerful Snapdragon 845 processor and screens ranging from 5.8” to 6.2”, this is a phone to watch out for. It is also rumoured to include a fingerprint lock and a camera that’s able to capture 1,000 frames per second! With its edge-to-edge screen, this phone, in spite of its rumoured A$1,200 price, is a worthy rival to the iPhone X.

Google Pixel 2 XL

Google has recently jumped on the phone bandwagon with the Pixel 2 XL, released in October 2017. The 6” screen has a higher pixel density when compared to the iPhone X. This is in addition to its fingerprint lock, waterproofing, 12-MP camera and Snapdragon 835 processor. While users reported some minor software issues with its Google View, which Google has promised to sort out, these can be ignored if we at its large battery life. This phone is a serious contender despite its A$1,399 price tag.

The LGV30 is the brand’s sleekest phone and in-keeping with today’s trend, has an edge-to-edge 6” screen. Potentially the lightest phone on this list at 158g, this compact phone is a good high-end phone. Although the water-resistant capabilities and the dual 16-MP camera is a definite plus, the true attraction of this phone is its audio capabilities. Reviews have cited its Bang & Olufsen earbuds to be the best currently on the market. For all the features this phone comes with, it’s surprising that you can get it at A$1,199. This high price means you might need to find a good budgeting app to find the money.

The most mysterious phone on this list is perhaps the OnePlus 5T. Although all we have right now are rumours and leaked images, predecessors of this phone were able to beat rival big-name brands while keeping an affordable price tag. However, what we know so far is that apart from its 6” screen, it will come with 16-MP and 20-MP dual cameras, the Snapdragon 835 processor and a giant battery life. Unfortunately, the jury is still out on the presence of a fingerprint lock, waterproofing and wireless charging capability. However, price estimates place this phone to debut at a mere A$700, making it the most affordable choice on this list.

iphone x or samsung s9

Get your budget flexibility

If you’re looking to upgrade your phone, we’d suggest thinking about what you want from your phone. What are your immediate needs? Do you want to take beautiful photos of memories? Are you a music lover and therefore need a phone with the best audio statistics? Although buying a phone is no longer a long-term commitment due to the rapid release of new models, it is still an investment. If you’ve decided to take the plunge and buy the new iPhone X but don’t have the cash on hand to secure one for yourself, visit Jacaranda Finance to find out how our personal loans can help you.

How customers rate Jacaranda

The new iPhone: Does it have the X Factor? Overall rating: 4.8 out of 5 based on 57 reviews.

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Small Personal Loan

Loan Amount

Minimum
$300


Maximum
$2,000

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Terms

Minimum
12 Months


Maximum
12 Months

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Costs

Up to 20% Establishment Fee
+ monthly fee up to 4%

Jacaranda Finance does not charge an annual interest rate on SACC loans. These small amount loans incur 'fees' instead of interest. The maximum comparison rate on our loans between $300 and $2000 is 199.43%.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
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Examples

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Loan Amount of $1,000 over 12 months repayable weekly (50 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

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Medium Personal Loan

Loan Amount

Minimum
$2,100


Maximum
$4,600

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Terms

Minimum
13 Months


Maximum
24 Months

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Costs

Annual Percentage Rate (APR) is 48%
Comparison Rate is 67.41% per annum.

This comparison rate is based on a medium amount credit contract of $2,500 repaid over 2 years with a $400 establishment fee and APR of 48%.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
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Examples

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest*) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $2,732.56 (reducing interest*) = $7,632.56 total repayable over 24 months with weekly installments of $73.39.

* Reducing intertest means that the 48% APR is applied to the outstanding balance on a loan. When a loan repayment is made, the loans outstanding balance goes down and the APR is applied to that lower balance. Therefore, the interest component of the loan will constantly reduce (as long as repayments are being made!) - thus it is called reducing interest.
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Large Personal Loan

Loan Amount

Minimum
$5,000


Maximum
$10,000

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Terms

Minimum
13 Months


Maximum
24 Months

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Costs

Annual Percentage Rate (APR) is 21.24%
Comparison rate is 48% per annum.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
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Examples

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $2,027.80 (Interest) = $7,027.80 total repayable over 18 months with weekly installments of $90.10.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

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