More ways than ever to pay for the Apple products you love.

Pay in full with your Apple Card or choose an Apple financing option that works for you. Use Apple Pay Later to split purchases into four interest-free payments.^{footnote ∆}

Apple Card Monthly Installments

Pay for your new Apple products over time, interest-free when you choose to check out with Apple Card Monthly Installments.^footnote 1

Now when you shop at Apple using Apple Card, you can pay monthly at 0% APR for your new iPhone, iPad, Mac, Apple Watch, Apple Vision Pro, and eligible accessories when you choose to check out with Apple Card Monthly Installments. And you’ll get 3% Daily Cash back — all up front.

Learn more

Get 3% Daily Cash back. All up front.

Trade in your current device. Pay even less per month.²

Only at Apple.

Start shopping with Apple Card Monthly Installments today.

iPhone

From $429 or $17.87 per month for 24 months^footnote 3

Shop iPhone
Mac

From $499 or $41.58 per month for 12 months^footnote 4

Shop Mac
Watch

From $249 or $20.75 per month for 12 months^footnote 4

Shop Apple Watch
iPad

From $309 or $25.75 per month for 12 months^footnote 4

Shop iPad
AirPods

From $129 or $21.50 per month for 6 months^footnote 4

Explore AirPods

Select accessories are also eligible for Apple Card Monthly Installments.

Buying with Apple Card gives you all these great benefits, too.

Unlimited Daily Cash back with every purchase, including 3% at Apple and 2% when you use Apple Card with Apple Pay.

No fees.^footnote 5 Not even hidden ones.

The privacy and security you expect from iPhone.
An Apple-designed titanium card that can be used anywhere Mastercard is accepted.

See if you’re approved without impacting your credit score.^{footnote ⁶}

Apply for Apple Card NowApply for Apple Card Now

Learn more

Already have Apple Card? There’s no additional application needed. Just choose Apple Card Monthly Installments when you check out.

Apple Pay Later

Shop now. Pay over time.

With Apple Pay Later, purchases between $75 and $1000 can be split into four interest-free payments over six weeks.^{footnote ∆} To apply for a loan and make a purchase, simply choose Apple Pay at checkout and select the Pay Later tab. And you can easily view your payment schedule to track deadlines and payoff progress in Wallet.

Learn more about Apple Pay Later

0% interest and no fees, including no late fees^footnote °

Available with Apple Pay in apps and online, on iPhone or iPad

Check out with Apple Pay and select Pay Later to get started

An iPhone displaying the Apple Pay Later card in the Wallet app, card design shows solid ovals of blue, purple, pink, yellow, and orange sprinkled on a black background

Need some help?

Chat now, call 1-800-MY-APPLE, or find a store

Chat now

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 (Opens in a new window), the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See support.apple.com/kb/HT211204 (Opens in a new window) 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 support.apple.com/kb/HT211204 (Opens in a new window) for information about upcoming changes to ACMI financing. See the Apple Card Customer Agreement (Opens in a new window) for more information about ACMI financing.
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.
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.
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.
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.
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.

More ways than ever to pay for the Apple products you love.

Apple Card Monthly Installments

Start shopping with Apple Card Monthly Installments today.

iPhone

Mac

Watch

iPad

AirPods

Buying with Apple Card gives you all these great benefits, too.

Apple Pay Later

Need some help?