Apple announced a program on Wednesday that will allow users to finance unlocked versions of the new iPhones through monthly installments starting at $32, regardless of carrier. “We think this program should act as a tailwind for iPhone sales, since they serve to shorten the replacement cycle…,” Susquehanna analysts wrote in a note on Thursday. The deal for iPhone owners, which will initially apply to the United States and 11 other key markets including China, emerged as one of the most positive announcements at Apple’s annual launch event.