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. And if you’re buying a new iPhone, you can also pay monthly with your carrier and take advantage of special deals.^{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.^footnote 2

Only at Apple.

Start shopping with Apple Card Monthly Installments today.

iPhone

From $599 or $24.95 per month for 24 months^footnote 3

Shop iPhone
Mac

From $599 or $49.91 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 $349 or $29.08 per month for 12 months^footnote 4

Shop iPad
Apple Vision Pro

From $3499 or $291.58 per month for 12 monthsFootnote ⁴
Shop Apple Vision Pro
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

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

Carrier Financing Options

Buying an iPhone at Apple always pays off.

Enjoy the perks of shopping at Apple and the ease of financing through your carrier. Whether you’re online or in person at an Apple Store, we can help you compare options, trade in your current smartphone, and activate your new iPhone.

Carrier Deals

Get up to $800–$1000 in credit on a new iPhone with AT&T, Boost Mobile, T‑Mobile, or Verizon. Trade‑in may be required. Footnote †

Find your deal

Carrier Financing

Split the cost of your iPhone over 24 or 36 months at 0% APR. And the best part — it’s all on your regular carrier bill.

Sound good? Let’s shop.

Need some help?

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Small-business financing

Get the Apple products you need with financing options that work for you.

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Get help buying

Have a question? Call a Specialist or chat online. Call 1‑800‑MY‑APPLE.

† AT&T iPhone 16 Special Deal: Monthly price (if shown) reflects net monthly payment, after application of AT&T trade-in credit applied over 36 months with purchase of an iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16, or iPhone 16 Plus, and trade-in of eligible smartphone. Receive credit with purchase of an iPhone 16 Pro or iPhone 16 Pro Max of either $1000, $830, or $350 (based upon the model and condition of your trade-in smartphone). Receive credit with purchase of an iPhone 16 or iPhone 16 Plus, of either $800, 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 iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16, or iPhone 16 Plus, on qualifying 36 month 0% APR installment plan, subject to carrier credit qualification. Customers purchasing this offer through Apple cannot add the Next Up Anytime option. $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 AT&T unlimited plan. AT&T may temporarily slow data speeds if the network is busy. 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 iPhone 16 and iPhone 16 Plus includes $30 AT&T connectivity discount. Activation required.

AT&T iPhone 16e Special Deal: Buy an iPhone 16e 128 GB and get $383.36 in bill credits applied over 36 months. Buy an iPhone 16e 256 GB and get $303.36 in bill credits applied over 36 months. Buy an iPhone 16e 512 GB and get $323.36 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. Requires activation on eligible AT&T unlimited plan. AT&T may temporarily slow data speeds if the network is busy. 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.

AT&T iPhone 15 Special Deal: Buy an iPhone 15 128 GB and get $441.36 in bill credits applied over 36 months. Buy an iPhone 15 256 GB and get $361.36 in bill credits applied over 36 months. Buy an iPhone 15 512 GB and get $381.36 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. Requires activation on eligible AT&T unlimited plan. AT&T may temporarily slow data speeds if the network is busy. 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.

Boost Mobile iPhone 16 Special Deal: Buy an iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16, or iPhone 16 Plus and get $1000 in bill credits (not to exceed the cost of the iPhone) applied over 36 months. No trade-in required. If you are trading in a device with this deal, trade-in value will be applied as additional bill credits over 36 months. Monthly price (if shown) reflects net monthly payment, after application of $1000 in bill credit (not to exceed the cost of the iPhone purchased) and trade-in credit (if applicable) applied over 36 months respectively. Requires activation of a new line, Boost Mobile Infinite Access plan and purchase on qualifying 36-month 0% APR installment plan, subject to carrier credit qualification. After making 12 installment payments, you may upgrade to a new iPhone and get up to $1000 in bill credits (not to exceed the cost of the iPhone) applied over 36 months for the new iPhone on the Infinite Access plan and purchase on new qualifying 36-month 0% APR installment plan, subject to carrier credit qualification. 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. Bill credits are applied as a monthly credit over the 36-month installment plan. Trade-in credits start within 3 bills. 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 combined with other offers, discounts, or credits. Purchase, financing, other limits, and restrictions apply. Price for iPhone 16 and iPhone 16 Plus includes $30 Boost Mobile connectivity discount. Activation required.

T-Mobile iPhone 16 Special Deal: Monthly price (if shown) reflects net monthly payment, after application of T-Mobile trade-in credit applied over 24 months with purchase of an iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16, or iPhone 16 Plus and trade-in of eligible smartphone.

Existing customers: Receive credit with purchase of an iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16, or iPhone 16 Plus (based upon the model and condition of your trade-in smartphone) of $1000, $800, or $400 for customers on a Go5G Next plan (excluding 55, Military, First Responder plans) ($100+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on a Go5G Plus plan (excluding 55, Military, First Responder plans) ($85+/mo. plan after AutoPay discount if applicable); or $800, $600, or $300 for customers on a Go5G Next 55, Military, or First Responder plan ($85+/mo. plan after AutoPay discount if applicable); or $600 or $300 for customers on a Go5G Plus 55, Military, or First Responder plan ($75+/mo. plan after AutoPay discount if applicable); or $300 or $150 for customers on a Go5G, Magenta, Magenta MAX, or Essentials plan ($60+/mo. plan after AutoPay discount if applicable). Must be an existing T-Mobile customer.

Add-a-Line customers: Receive credit with purchase of an iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16, or iPhone 16 Plus (based upon the model and condition of your trade-in smartphone) of $1000, $800, or $400 for customers on a Go5G Next plan (excluding 55, Military, First Responder plans) ($100+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on a Go5G Plus plan (excluding 55, Military, First Responder plans) ($85+/mo. plan after AutoPay discount if applicable); or $800, $600, or $300 for customers on a Go5G Next 55, Military, or First Responder plan ($85+/mo. plan after AutoPay discount if applicable); or $600 or $300 for customers on a Go5G Plus 55, Military, or First Responder plan ($75+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on an Essentials, Magenta/MAX or Go5G plan (excluding 55, Military, First Responder plans) ($60+/mo. plan after AutoPay discount if applicable); or $600 or $300 for customers on an Essentials 55 Choice, Magenta/MAX, or Go5G 55, Military, or First Responder plan ($45+/mo. plan after AutoPay discount if applicable). Must be a T-Mobile customer adding a new line to an existing T-Mobile account.

New customers: Receive credit with purchase of an iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16, or iPhone 16 Plus (based upon the model and condition of your trade-in smartphone) of $1000, $800, or $400 for customers on a Go5G Next plan (excluding 55, Military, First Responder plans) ($100+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on a Go5G Plus plan (excluding 55, Military, First Responder plans) ($85+/mo. plan after AutoPay discount if applicable); or $800, $600, or $300 for customers on a Go5G Next 55, Military, or First Responder plan ($85+/mo. plan after AutoPay discount if applicable); or $600 or $300 for customers on a Go5G Plus 55, Military, or First Responder plan ($75+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on an Essentials or Go5G plan (excluding 55, Military, First Responder plans) ($60+/mo. plan after AutoPay discount if applicable; or $600 or $300 for customers on an Essentials 55 Choice, or Go5G 55, Military, or First Responder plan ($45+/mo. plan after AutoPay discount if applicable). Must be a new T-Mobile customer.

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; subject to change. Qualifying credit, data plan, and trade-in (e.g., iPhone 15 Pro Max) in good condition required. Max 4 promotions on any iPhone per account. May not be combinable with some offers, discounts, or promotions. Activation required. Contact T-Mobile before cancelling entire account to continue remaining bill credits, or credits stop & balance on required finance agreement is due. Bill credits end if you pay off early.

T-Mobile iPhone 16e Special Deal: Monthly price (if shown) reflects net monthly payment, after application of T-Mobile trade-in credit applied over 24 months with purchase of an iPhone 16e and trade-in of eligible smartphone.

Existing customers: Receive credit with purchase of an iPhone 16e (based upon the model and condition of your trade-in smartphone) of $899, $800, or $400 for customers on a Go5G Next plan (excluding 55, Military, First Responder plans)($100+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on a Go5G Plus plan (excluding 55, Military, First Responder plans) ($85+/mo. plan after AutoPay discount if applicable); or $800, $600, or $300 for customers on a Go5G Next 55, Military, or First Responder plan ($85+/mo. plan after AutoPay discount if applicable); or $600 or $300 for customers on a Go5G Plus 55, Military, or First Responder plan ($75+/mo. plan after AutoPay discount if applicable); or $300 or $150 for customers on a Go5G, Magenta, Magenta MAX, or Essentials plan ($60+/mo. plan after AutoPay discount if applicable). Must be an existing T-Mobile customer.

Add-a-Line customers: Receive credit with purchase of an iPhone 16e (based upon the model and condition of your trade-in smartphone) of $899, $800, or $400 for customers on a Go5G Next plan (excluding 55, Military, First Responder plans) ($100+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on a Go5G Plus plan (excluding 55, Military, First Responder plans) ($85+/mo. plan after AutoPay discount if applicable); or $800, $600, or $300 for customers on a Go5G Next 55, Military, or First Responder plan ($85+/mo. plan after AutoPay discount if applicable); or $600 or $300 for customers on a Go5G Plus 55, Military, or First Responder plan ($75+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on an Essentials, Magenta/MAX or Go5G plan (excluding 55, Military, First Responder plans) ($60+/mo. plan after AutoPay discount if applicable); or $600 or $300 for customers on an Essentials 55 Choice, Magenta/MAX, or Go5G 55, Military, or First Responder plan ($45+/mo. plan after AutoPay discount if applicable). Must be a T-Mobile customer adding a new line to an existing T-Mobile account.

New customers: Receive credit with purchase of an iPhone 16e (based upon the model and condition of your trade-in smartphone) of $899, $800, or $400 for customers on a Go5G Next plan (excluding 55, Military, First Responder plans) ($100+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on a Go5G Plus plan (excluding 55, Military, First Responder plans) ($85+/mo. plan after AutoPay discount if applicable); or $800, $600, or $300 for customers on a Go5G Next 55, Military, or First Responder plan ($85+/mo. plan after AutoPay discount if applicable); or $600 or $300 for customers on a Go5G Plus 55, Military, or First Responder plan ($75+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on an Essentials or Go5G plan (excluding 55, Military, First Responder plans) ($60+/mo. plan after AutoPay discount if applicable; or $600 or $300 for customers on an Essentials 55 Choice, or Go5G 55, Military, or First Responder plan ($45+/mo. plan after AutoPay discount if applicable). Must be a new T-Mobile customer.

T-Mobile iPhone 15 Special Deal: Monthly price (if shown) reflects net monthly payment, after application of T-Mobile trade-in credit applied over 24 months with purchase of an iPhone 15 or iPhone 15 Plus and trade-in of eligible smartphone.

Existing customers: Receive credit with purchase of an iPhone 15 or iPhone 15 Plus (based upon the model and condition of your trade-in smartphone) of $1000, $800, or $400 for customers on a Go5G Next plan (excluding 55, Military, First Responder plans) ($100+/mo. plan after AutoPay discount if applicable); or $800 or $400 for customers on a Go5G Plus plan (excluding 55, Military, First Responder plans) ($85+/mo. plan after AutoPay discount if applicable); or $800, $600, or $300 for customers on a Go5G Next 55, Military, or First Responder plan ($85+/mo. plan after AutoPay discount if applicable); or $600 or $300 for customers on a Go5G Plus 55, Military, or First Responder plan ($75+/mo. plan after AutoPay discount if applicable); or $300 or $150 for customers on a Go5G, Magenta, Magenta MAX, or Essentials plan ($60+/mo. plan after AutoPay discount if applicable). Must be an existing T-Mobile customer.

Add-a-Line customers: Receive credit with purchase of an iPhone 15 or iPhone 15 Plus (based upon the model and condition of your trade-in smartphone) of $1000, $800, or $400 for customers on a Go5G Next plan (excluding 55, Military, First Responder plans); or $800 or $400 for customers on a Go5G Plus plan (excluding 55, Military, First Responder plans); or $800, $600, or $300 for customers on a Go5G Next 55, Military, or First Responder plan; or $600 or $300 for customers on a Go5G Plus 55, Military, or First Responder plan; or $800 or $400 for customers on an Essentials, Simple Choice, TMO ONE/Plus, Magenta/MAX or Go5G plan (excluding 55, Military, First Responder plans); or $600 or $300 for customers on an Essentials 55 Choice, TMO ONE/Plus, Magenta/MAX & Go5G 55, Military, or First Responder plan. Must be a T-Mobile customer adding a new line to an existing T-Mobile account.

New customers: Receive credit with purchase of an iPhone 15 or iPhone 15 Plus(based upon the model and condition of your trade-in smartphone) of $1000, $800, or $400 for customers on a Go5G Next plan (excluding 55, Military, First Responder plans); or $800 or $400 for customers on a Go5G Plus plan (excluding 55, Military, First Responder plans); or $800, $600, or $300 for customers on a Go5G Next 55, Military, or First Responder plan; or $600 or $300 for customers on a Go5G Plus 55, Military, or First Responder plan; or $800 or $400 for customers on an Essentials or Go5G plan (excluding 55, Military, First Responder plans); or $600 or $300 for customers on an Essentials 55 Choice, or Go5G 55, Military, or First Responder plan. Must be a new T-Mobile customer.

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. 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 16 Special Deal: Monthly price (if shown) reflects net monthly payment, after application of Verizon trade-in credit applied over 36 months with purchase of an iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16, or iPhone 16 Plus.

Existing customers: Customers on an Unlimited Ultimate plan, Unlimited Plus plan, or Unlimited Welcome plan (min. $65/mo w/Auto Pay (+taxes/fees) for 36 mos) receive: $1000 credit (based upon the model and condition of your trade-in smartphone) with purchase of an iPhone 16 Pro or iPhone 16 Pro Max; $930 credit (based upon the model and condition of your trade-in smartphone) with purchase of an iPhone 16 Plus; or $830 credit (based upon the model and condition of your trade-in smartphone) with purchase of an iPhone 16. Must be an existing Verizon customer.

New or Add-a-Line customers: Customers on an Unlimited Ultimate plan, Unlimited Plus plan, or Unlimited Welcome plan (min. $65/mo w/Auto Pay (+taxes/fees) for 36 mos) receive: $1000 credit (based upon the model and condition of your trade-in smartphone) with purchase of an iPhone 16 Pro or iPhone 16 Pro Max; $930 credit (based upon the model and condition of your trade-in smartphone) with purchase of an iPhone 16 Plus; or $830 credit (based upon the model and condition of your trade-in smartphone) with purchase of an iPhone 16. Must be a new Verizon customer or adding a new line to an existing Verizon account.

Max bill credits will not exceed the cost of the device. 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 iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16, or iPhone 16 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 iPhone 16 and iPhone 16 Plus includes $30 Verizon connectivity discount. Activation required.

Verizon iPhone 16e Special Deal: Monthly price (if shown) reflects net monthly payment, after application of Verizon trade-in credit applied over 36 months with purchase of an iPhone 16e.

Existing customers: Customers on an Unlimited Ultimate plan, Unlimited Plus plan, or Unlimited Welcome plan (min. $65/mo w/Auto Pay (+taxes/fees) for 36 mos) receive $600 credit (based upon the model and condition of your trade-in smartphone) with purchase of an iPhone 16e. Must be an existing Verizon customer.

Max bill credits will not exceed the cost of the device. 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 iPhone 16e 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. Activation required.

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/102730 (Opens in a new window) for more information about eligible products. Existing customers: See your Customer Agreement for your variable APR. As of January 1, 2025, the variable APR on new Apple Card accounts ranges from 18.24% to 28.49%. You must elect to use ACMI at checkout. If you buy an ACMI-eligible product with a one-time payment on Apple Card at checkout, that purchase is subject to your Apple Card’s variable APR, not the ACMI 0% APR. Taxes and shipping on items purchased using ACMI are subject to your Apple Card’s variable APR, not the ACMI 0% APR. In order to buy an iPhone with ACMI, you must select one of the following carriers: AT&T, Boost Mobile, T-Mobile, or Verizon. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carrier’s terms. 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 is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See the Apple Card Customer Agreement (Opens in a new window) for more information about ACMI.
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.
Financing available to qualified customers, subject to credit approval and credit limit, and requires you to select Citizens One Apple iPhone Payments or Apple Card Monthly Installments (ACMI) as your payment type at checkout at Apple. You’ll need to select AT&T, Boost Mobile, T‑Mobile, or Verizon as your carrier when you checkout. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carrier’s terms. Taxes and shipping on items purchased using ACMI are subject to your card’s variable APR, not the ACMI 0% APR. 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 the Apple Card Customer Agreement (Opens in a new window) for more information about ACMI. Additional Citizens One Apple iPhone Payments terms are here (Opens in a new window).
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 18.24% to 28.49% based on creditworthiness. Rates as of January 1, 2025. 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.

Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.

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.

Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.

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