Can I pay for the iPhone with a Debit card instead of credit?

Topic and if so how would they do the monthly payment thing

All merchants are tied into credit checking agencies. You don't have to do anything. Either they will approve your credit, or they will offer to "extend" you credit by having you put down a deposit, which ranges from 200.00 to 1000.00 depending on your situation.
Any purchases you have made in the past with your debit checking card will be available through the credit checking agencies.
Note that you usually have to have had the debit credit cared for 12 - 18 months before someone will extend you credit.

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