What is the most affordable way to buy an iPhone 5s?

I really want a new phone but I don't know how to go about it. I want an iPhone 5s, but I can't afford full price. I've seen websites that make you pay $15 a month or so, but I don't know if that's the smart way to go at it. How should I go at it?

You can get an iPhone 5S at Walmart for $199 I think no contract

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