How much is Apple's monthly financing for the iPhone?

I want an iPhone 5, but I don't want to pay for all of it at once in December! I'm getting it on Sprint, because Sprint is much cheaper, and I go over data limits FAST. If i get the 16gb iPhone 5 at $199 how much is the monthly payment for the phone itself?(not the Phone service)

Added (1). I'm not talking about unlocked prices! Apple let's you pay a fraction of the price monthly, like you do a car payment!

It will be like around 8 hundred without a contract for AT&T. But I'm really not sure for Sprint. And sprints network sucks in my opinion.