The Globe and Mail reports in its Monday edition Apple revealed a new way to buy its iPhones last week -- paying for unlocked through monthly instalments. The Globe's Christine Dobby writes, however, the arrangement is exclusive to U.S. customers. For the past two years, U.S. wireless carriers have been increasingly offering new smart phones through equipment instalment plans (known as EIPs) without a down payment. This separates the payments for the phone from the price of network access. For example, a current offer from T-Mobile U.S. lets customers put no money down and pick up an iPhone 6 for $27 (U.S.) per month for 24 months and add an unlimited talk, text and data plan, plus one gigabyte of LTE data, for $50 (U.S.) per month. Apple's leasing model will take that one step further and go directly to consumers. Canada has not embraced the EIP model, primarily because the competitive dynamics are different here and the Big Three carriers have not yet been pressured into abandoning their traditional subsidy model. "The main reason we don't have them is we don't have disruptive challenger companies like T-Mobile and Sprint [Corp.]," said Macquarie Capital's Greg MacDonald.