Apple closed the unlocked iPhone loophole for T-Mobile and Verizon buyers. If you’ve financed an iPhone through any of these carriers, it used to stay unlocked. Not anymore.
Every iPhone financed through T-Mobile or Verizon will now stay locked to that carrier until you fully pay it off. This is exactly how AT&T’s financing has always worked. It means no more SIM swapping, joining an MVNO or popping in a travel eSIM on the go.