How to get on a payment plan for a new iPhone

See - iPhone Upgrade Program - Apple and Apple Financing with Barclaycard Credit Card - Apple

Those are your two options to finance an iPhone (at least in the USA - go to your country’s Apple web page to see options in your country).

Then those two finance options I provide the links for are the only options available from Apple. Their regular finance partner is BarclayBank and if going that route, BarClay would pay Apple in full at the time of purchase, and you assume a 0% interest, term limited consumer loan from Barclay. On the Apple Upgrade program, your 0% interest, term limited consumer loan will be with Citizens Bank. In both cases you must pass a US credit bureau credit check for either bank to approve your loan. And I understand the upgrade program requires you to active the device with one of the participating US carriers at the time of purchase.

Show up at the Apple Store and ask them.

Typically your cell phone provider— ex. Verizon offer payments folded into your monthly bill?

what is the issue?