Mark Wilson writes: Today, Apple launched a new program called Trade Up With Installments, which makes it possible to upgrade to the latest iPhone in a more affordable way. As the name suggests, this is more than a straight trade-in program - upgraders can use the trade-in value of their old handset to reduce on-going monthly costs. This is something that will appeal not only to people with older iPhones who are looking to get their hands on a newer model, but also ex-Android fans. Apple is opening up the program, so Android handsets can be traded in and their value offset against the cost of a new iPhone. Windows Phone handsets are also eligible. Trade Up With Installments is slightly different to the existing iPhone Upgrade Program and trade-in option. After handing over your old handset (be it iOS, Windows Phone or Android powered) for part exchange for a new iPhone, you'll then (assuming you qualify) be extended credit and allowed to pay off the remaining balance over 24 months.