Upgrading
If I have paid 12 months of payments on my iPhone XS can I still get a trade-in value if I preorder through apple instead of Verizon or does the phone have to be completely paid off?
iPhone XS
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Who did you purchase your phone from and make payments to?
If you purchased through the iPhone Upgrade program, normally you can upgrade.
Since you mention Verizon, if you purchased through them you will need to contact them and inquire as to their policies.