What information is needed to apply for a loan with the iPhone Upgrade Program?

If you’re joining the iPhone Upgrade Program for the first time, you’ll be asked to provide your date of birth, Social Security number, and annual income for a credit check. You’ll also need a valid U.S. credit or debit card. Prepaid cards are not accepted at this time. Click here for full terms and conditions.(Opens in a new window) If you’re a current member of the iPhone Upgrade Program and enter the Social Security number you used when you first joined the program, your application will be conveniently autofilled with the information that’s already on file with Citizens One. Citizens One reserves the right to perform a credit inquiry as needed to determine loan eligibility. Depending on your account performance and transactional history in the iPhone Upgrade Program, Citizens One may approve your new loan application without your credit being impacted.

What happens to my new loan if I choose to pick up my new iPhone at an Apple Store but then fail to pick it up?

If you do not pick up your new iPhone within 14 days after the scheduled pickup date, it will be returned to store inventory. Your new loan will be cancelled, and any charges applied to your credit or debit card will be refunded. The monthly payments associated with your current iPhone will continue. Any credit inquiry used to determine loan eligibility during preapproval will not be removed.

What do my monthly payments cover?

Your monthly payments cover the full cost of iPhone, as well as the AppleCare+ coverage option you’ve chosen.

I just bought an iPhone with the iPhone Upgrade Program. Can I exchange it for iPhone 16 or iPhone 16 Pro?

If you purchased your iPhone within the last 14 days, you can return it by calling 1‑800‑MY‑APPLE or by visiting an Apple Store.

What is Citizens One?

Citizens One is the official financing partner for the iPhone Upgrade Program. Monthly charges from Citizens One will appear on your card statement per the terms of your installment loan. You will also receive communications from Citizens One about your loan. Citizens One is a brand name of Citizens Bank, N.A.

iPhone Upgrade Program

The easiest way to upgrade to the latest iPhone.

Get a new iPhone every year
AppleCare+ coverage included¹ Footnote
Works with your carrier
Starting from $39.50/month Footnote ²

Join now

Already a member?

Check your upgrade eligibility now

iPhone 16 Pro and iPhone 16 Pro Max with Pro camera system, all-screen design, Dynamic Island, thin black display border, iPhone 16 and iPhone 16 Plus with Advanced dual-camera system, all-screen design, Dynamic Island, thin black display border

New iPhone models, box displays iPhone 16 back exterior with Ultramarine finish, and iPhone 16 Pro front, wallpaper displays minimal light streams

Get a new iPhone every year.

You’re eligible to upgrade to a new iPhone once you’ve made 12 payments. Just trade in your current iPhone and start a new plan.³ It’s that easy.

See how to upgrade

Peace of mind. Included with AppleCare+.

When you join the iPhone Upgrade Program, AppleCare+ is included in your monthly payments.⁴ You also have the option to expand your coverage to AppleCare+ with Theft and Loss for an additional cost.⁵ Simply choose the coverage that’s right for you.

Learn more about your coverage options(Opens in a new window)

Works with your carrier.

You’re buying directly from Apple. Which means no more financing your iPhone through your carrier or committing to a multiyear service contract. We connect your new iPhone to your carrier for you. So you won’t have to make any changes to your rate plan. And if you ever decide to switch carriers after you activate your iPhone with AT&T, Boost Mobile, T-Mobile, or Verizon, you can easily do that, too.

Low monthly payments.

You don’t have to pay for your new iPhone all at once. You can simply pay over time. The full cost of your iPhone and selected AppleCare+ coverage is spread out over 24 months with 0% interest. And you can upgrade once you’ve made the equivalent of 12 payments.

iPhone 16

128GB

From $39.50 per month

256GB

From $43.66 per month

512GB

From $52.00 per month

iPhone 16 Plus

128GB

From $44.91 per month

256GB

From $49.08 per month

512GB

From $57.41 per month

iPhone 16 Pro

128GB

From $49.91 per month

256GB

From $54.08 per month

512GB

From $62.41 per month

1TB

From $70.75 per month

iPhone 16 Pro Max

256GB

From $58.25 per month

512GB

From $66.58 per month

1TB

From $74.91 per month

The iPhone Upgrade Program is financed through:

Subject to eligibility.

Easy to join. Simple to upgrade.

Sign up online, in an Apple Store, or with the Apple Store app.² If you’re already enrolled, check your upgrade status.^Footnote2

More ways to buy iPhone.

You can pay in full, select carrier financing, or pay monthly and interest-free when you choose to checkout with Apple Card Monthly Installments. Footnote ^◊

Still have questions? or call 1‑800‑MY‑APPLE.