Financing and Credit (2024)

^∆ Apple Pay Later loans are subject to eligibility and approval. Available only in the U.S. May not be available in all states. Not available in U.S. territories. Loans made by Apple Financing LLC, NMLS #2154940. CA loans made or arranged pursuant to a California Financing Law license. To use Apple Pay Later, you must have an iPhone or iPad updated to the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Apple Pay Later loans are available for purchases between $75-$1,000. For more eligibility details, clickhere (Opens in a new window).

° Your bank may charge you fees if your debit card account contains insufficient funds to make loan repayments.

† AT&T iPhone 15 Special Deal: Monthly price reflects net monthly payment, after application of AT&T trade-in credit applied over 36 months with purchase of an iPhone15 Pro, iPhone15 ProMax, or iPhone15, and trade-in of eligible smartphone. Receive credit with purchase of an iPhone15 Pro or iPhone15 ProMax of either $1000, $700, or $350 (based upon the model and condition of your trade-in smartphone). Receive credit with purchase of an iPhone15 of either $700 or $350 (based upon the model and condition of your trade-in smartphone). Max bill credits will not exceed the cost of the device. Requires upgrade of an existing line or activation of a new line and purchase of a new iPhone15 Pro, iPhone15 ProMax, or iPhone15 on qualifying 36 month 0% APR installment plan, subject to carrier credit qualification. AT&T Installment Plan with Next Up is not eligible for this promotion. $0 down for well qualified customers only, or down payment may be required and depends on a variety of factors. Tax on full retail price due at sale. Requires activation on eligible unlimited plan. If you cancel eligible wireless service, credits will stop and you will owe the remaining device balance. Activation/Upgrade Fee: $35. Trade in device may not be on existing installment plan. Bill credits are applied as a monthly credit over the 36 month installment plan. Credits start within 3 bills. Will receive catchup credits once credits start. Wireless line must be on an installment agreement, active, and in good standing for 30 days to qualify. Installment agreement starts when device is shipped. To get all credits, device must remain on agreement for entire term and you must keep eligible service on device for entire installment term. Limited time offer; subject to change. Limits: one trade-in per qualifying purchase and one credit per line. May not be combinable with other offers, discounts, or credits. Purchase, financing, other limits, and restrictions apply. Price for iPhone15 and iPhone15 Plus includes $30 AT&T connectivity discount. Activationrequired.

T-Mobile iPhone 15 Special Deal: Monthly price reflects net monthly payment, after application of T-Mobile trade-in credit applied over 24 months with purchase of an iPhone 15 Pro, iPhone 15 Pro Max, iPhone 15, or iPhone 15 Plus and trade-in of eligible smartphone. Receive credit with purchase of an iPhone 15, iPhone 15 Plus, iPhone 15 Pro, or iPhone 15 Pro Max of $800 or $400 for customers on a Go5G Plus plan (based upon the model and condition of your trade-in smartphone); or $300 or $150 for customers on a Go5G, TMO ONE, TMO ONE Plus, Magenta, Magenta MAX, or Magenta Plus plan (based upon the model and condition of your trade-in smartphone). Max bill credits will not exceed the cost of the device. Credit comprised of (i) Apple instant trade-in credit at checkout and (ii) T-Mobile monthly bill credits applied over 24 months. Allow 2 bill cycles from valid submission and validation of trade-in. Tax on pre-credit price due at sale. Limited-time offer; subject to change. Qualifying credit, data plan, and trade-in in good condition required. Max 4 promotional offers on any iPhone per account. May not be combinable with some offers or discounts. Price for iPhone 15 and iPhone 15 Plus includes $30 T-Mobile connectivity discount. Activation required. Contact T-Mobile before cancelling service to continue remaining bill credits on current device, or credits stop & balance on required finance agreement is due.

Verizon iPhone 15 Special Deal: Monthly price reflects net monthly payment, after application of Verizon trade‑in credit applied over 36 months with purchase of an iPhone15, iPhone15 Plus, iPhone15 Pro, or iPhone15 ProMax of $830 or $415 for customers on an Unlimited Ultimate, One Unlimited, or 5G GetMore plan (based upon the model and condition of your trade‑in smartphone); or $415 or $200 for customers on an Unlimited Plus, 5G DoMore, or 5G PlayMore plan (based upon the model and condition of your trade‑in smartphone). Max bill credits will not exceed the cost of the device. Must be an existing Verizon customer. Credit comprised of (i) Apple instant trade‑in credit at checkout and (ii) Verizon monthly bill credits applied over 36 months. Customer must remain in the Verizon Device Payment Program for 36 months to receive the full benefit of the Verizon bill credits. Bill credits may take 1‑2 bill cycles to appear. If it takes two cycles for bill credits to appear, you'll see the credit for the first cycle on your second bill in addition to that month's credit. Requires purchase and activation of a new iPhone15 Pro, iPhone15 ProMax, iPhone15, or iPhone15 Plus with the Verizon Device Payment Program at 0% APR for 36 months, subject to carrier credit qualification, and iPhone availability and limits. Taxes and shipping not included in monthly price. Sales tax may be assessed on full value of new iPhone. Requires eligible unlimited service plan. Requires trade‑in of eligible device in eligible condition. Must be at least 18 to trade‑in. Apple or its trade‑in partners reserve the right to refuse or limit any trade‑in transaction for any reason. In‑store trade‑in requires presentation of a valid, government‑issued photo ID (local law may require saving this information). In‑store promotion availability subject to local law; speak to a Specialist to learn more. Limited‑time offer; subject to change. Additional terms from Apple, Verizon, and Apple's trade‑in partners may apply. Price for iPhone15 and iPhone15 Plus includes $30 Verizon connectivity discount. Activationrequired.

AT&T iPhone 14 Special Deal: Buy an iPhone 14 128 GB and get $514.36 in bill credits applied over 36 months. Buy an iPhone 14 256 GB and get $434.36 in bill credits applied over 36 months. Buy an iPhone 14 512 GB and get $454.36 in bill credits applied over 36 months. Requires upgrade of an existing line (or activation of a new line) and purchase on qualifying 36-month 0% APR installment plan, subject to carrier credit qualification. $0 down for well-qualified customers only, or down payment may be required and depends on a variety of factors. Tax on full retail price due at sale. If you cancel eligible wireless service, credits will stop and you will owe the remaining device balance. Activation/Upgrade Fee: $35. Bill credits are applied as a monthly credit over the 36-month installment plan. Credits start within 3 bills. Will receive catch-up credits once credits start. Wireless line must be on an installment agreement, active, and in good standing for 30 days to qualify. Installment agreement starts when device is shipped. To get all credits, device must remain on agreement for entire term and you must keep eligible service on device for entire installment term. Limited-time offer; subject to change. Limits: one credit per line. May not be combinable with other offers, discounts, or credits. Purchase, financing, other limits, and restrictions apply. Activation required.

T-Mobile iPhone 14 Special Deal: Monthly price reflects net monthly payment, after application of T-Mobile trade-in credit applied over 24 months with purchase of an iPhone 14 or iPhone 14 Plus and trade-in of eligible smartphone. Receive credit with purchase of an iPhone 14 or iPhone 14 Plus of $800 or $400 on a Go5G Plus plan (based upon the model and condition of your trade-in smartphone); or $300 or $150 for customers on a Go5G, TMO ONE, TMO ONE Plus, Magenta, Magenta MAX, or Magenta Plus plan (based upon the model and condition of your trade-in smartphone). Max bill credits will not exceed the cost of the device. Credit comprised of (i) Apple connectivity trade-in credit at checkout and (ii) T-Mobile monthly bill credits applied over 24 months. Allow 2 bill cycles from valid submission and validation of trade in. Tax on pre-credit price due at sale. Limited-time offer; subject to change. Qualifying credit, data plan, and trade-in in good condition required. Max 4 promotional offers on any iPhone per account. May not be combinable with some offers or discounts. Price for iPhone 14 and iPhone 14 Plus includes $30 T-Mobile connectivity discount. Activation required. Contact T-Mobile before cancelling service to continue remaining bill credits on current device, or credits stop & balance on required finance agreement is due.

AT&T iPhone SE 3 Special Deal: Buy an iPhoneSE 64GB and get $358.36 in bill credits applied over 36 months. Buy an iPhoneSE 128GB and get $264.36 in bill credits applied over 36 months. Buy an iPhoneSE 256GB and get $184.36 in bill credits applied over 36 months. Requires upgrade of an existing line (or activation of a new line) and purchase on qualifying 36‑month 0% APR installment plan, subject to carrier credit qualification. $0 down for well‑qualified customers only, or down payment may be required and depends on a variety of factors. Tax on full retail price due at sale. If you cancel eligible wireless service, credits will stop and you will owe the remaining device balance. Activation/Upgrade Fee: $35. Bill credits are applied as a monthly credit over the 36‑month installment plan. Credits start within 3 bills. Will receive catch‑up credits once credits start. Wireless line must be on an installment agreement, active, and in good standing for 30 days to qualify. Installment agreement starts when device is shipped. To get all credits, device must remain on agreement for entire term and you must keep eligible service on device for entire installment term. Limited‑time offer; subject to change. Limits: one credit per line. May not be combinable with other offers, discounts, or credits. Purchase, financing, other limits, and restrictions apply. Activationrequired.

T-Mobile iPhone SE 3 Special Deal: Monthly price reflects net monthly payment, after application of T-Mobile trade-in credit applied over 24 months with purchase of an iPhone SE 3 and trade-in of eligible smartphone. Receive credit with purchase of an iPhone SE 3 of $579 or $400 on a Go5G Plus plan (based upon the model and condition of your trade-in smartphone); or $300 or $150 for customers on a Go5G, TMO ONE, TMO ONE Plus, Magenta, Magenta MAX, or Magenta Plus plan (based upon the model and condition of your trade-in smartphone). Max bill credits will not exceed the cost of the device. Credit comprised of (i) Apple connectivity trade-in credit at checkout and (ii) T-Mobile monthly bill credits applied over 24 months. Allow 2 bill cycles from valid submission and validation of trade in. Tax on pre-credit price due at sale. Limited-time offer; subject to change. Qualifying credit, data plan, and trade-in in good condition required. Max 4 promotional offers on any iPhone per account. May not be combinable with some offers or discounts. Activation required. Contact T-Mobile before cancelling service to continue remaining bill credits on current device, or credits stop & balance on required finance agreement is due.

1. Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. for eligible products purchased at Apple Store locations, apple.com, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See https://support.apple.com/kb/HT211204 for more information about eligible products. APR ranges may vary based on when you accepted an Apple Card. Cardholders who accept an Apple Card on and/or after February 1, 2024: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. Rates as of February 1, 2024. Existing cardholders: See your Customer Agreement for applicable rates and fee. If you buy an ACMI-eligible product by choosing to pay in full with Apple Card (instead of using ACMI), that purchase is subject to the Apple Card variable APR, not 0% APR. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. When you buy an iPhone with ACMI, you’ll need to select AT&T, T-Mobile, or Verizon as your carrier when you check out. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. ACMI is not available for purchases made online at the following special stores: Apple Employee Purchase Plan; participating corporate Employee Purchase Programs; Apple at Work for small businesses; Government, and Veterans and Military Purchase Programs, or on refurbished devices. The last month’s payment for each product will be the product’s purchase price, less all other payments at the monthly payment amount. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See https://support.apple.com/kb/HT211204 for information about upcoming changes to ACMI financing. See the Apple Card Customer Agreement for more information about ACMI financing.
2. Trade‑in values will vary based on the condition, year, and configuration of your eligible trade‑in device. Not all devices are eligible for credit. You must be at least the age of majority to be eligible to trade in for credit or for an Apple Gift Card. Trade‑in value may be applied toward qualifying new device purchase, or added to an Apple Gift Card. Actual value awarded is based on receipt of a qualifying device matching the description provided when estimate was made. Sales tax may be assessed on full value of a new device purchase. In‑store trade‑in requires presentation of a valid photo ID (local law may require saving this information). Offer may not be available in all stores, and may vary between in-store and online trade‑in. Some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse, cancel, or limit quantity of any trade‑in transaction for any reason. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Restrictions and limitations may apply.
3. Available to qualified customers and requires 24-month installment loan when you select Citizens One or Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple. You’ll need to select AT&T, T-Mobile, or Verizon as your carrier when you check out. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. Subject to credit approval and credit limit. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. Additional Apple Card Monthly Installments terms are in the Apple Card Customer Agreement (Opens in a new window). Additional iPhone Payments terms are here. ACMI is not available for purchases made online at special storefronts. The last month’s payment for each product will be the product’s purchase price, less all other payments at the monthly payment amount. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See https://support.apple.com/kb/HT211204 (Opens in a new window) for information about upcoming changes to ACMI financing.
4. Monthly pricing is available when you select Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple, and is subject to credit approval and credit limit. Financing terms vary by product. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the Apple Card Customer Agreement (Opens in a new window) for more information. ACMI is not available for purchases made online at special storefronts. The last month’s payment for each product will be the product's purchase price, less all other payments at the monthly payment amount. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See https://support.apple.com/kb/HT211204 (Opens in a new window) for information about upcoming changes to ACMI financing.
5. Variable APRs for Apple Card range from 19.24% to 29.49% based on creditworthiness. Rates as of February 1, 2024. Existing customers can view their variable APR in the Wallet app or card.apple.com Apple Card.
6. Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.

To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.

If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.

This amount is the estimated total of all initial Apple Card Monthly Installments in this order, the actual monthly installment amount is shown when you check out. Each item will be charged to your account and reflected on your monthly statement as of the day it ships. Your first installment payment may be less than this amount if items are not charged or shipped in the same month. Taxes, shipping, and other additional charges are subject to your standard purchase APR and separately billed on the shipping date, but are not included in your installment amount. The last month’s payment for each product will be the product's purchase price, less all other payments at the monthly payment amount.