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The best source for refurb (and discounted) iPhone 12 deals in general is Back Market. This site not only has a wide range of stock at great prices but you'll also get one full year of warranty ...

What holds it back is its older design (it's the only new iPhone that still uses Touch ID), small screen size, and short battery life. The next budget option is the 2020 iPhone 12 (starting at $599).