The easiest way to upgrade to the latest iPhone.

  • Get a new iPhone every year
  • AppleCare+ coverage included1
  • Works with your carrier
  • Starting from $35.33/month2

iPhone 11

iPhone 11 Pro Max and iPhone 11 Pro

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 And now you 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.

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, Sprint, 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 11 Pro



$49.91 per month




$56.16 per month


$64.50 per month

iPhone 11 Pro Max



$54.08 per month




$60.33 per month


$68.66 per month

iPhone 11



$35.33 per month


$37.41 per month


$41.58 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.

FAQs about joining

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.

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 iPhone within 14 days after the scheduled pickup date, it will be returned to store inventory. Your new loan will be canceled, 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 a new iPhone with the iPhone Upgrade Program. Can I exchange it for iPhone 11 or iPhone 11 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. When pre-order begins, you’ll be able to purchase the new iPhone 11 or iPhone 11 Pro.

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.

More ways to buy iPhone.

You can pay in full, choose carrier financing, or spread the cost with iPhone Payments.

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