iPhone Upgrade Program

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

Join now

Already a member?

Check your upgrade eligibility

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.

Learn more about your coverage options

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

64GB

$49.91 per month

128GB

——

256GB

$56.16 per month

512GB

$64.50 per month

iPhone 11 Pro Max

64GB

$54.08 per month

128GB

——

256GB

$60.33 per month

512GB

$68.66 per month

iPhone 11

64GB

$35.33 per month

128GB

$37.41 per month

256GB

$41.58 per month

512GB

——

The iPhone Upgrade Program is financed through:

Subject to eligibility.

Easy to join. Simple to upgrade.

Join now Check your upgrade eligibility

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.

The iPhone Upgrade Program doesn’t require that you purchase AppleCare+ with Theft and Loss to participate.
Program available for iPhone 11, iPhone 11 Pro, and iPhone 11 Pro Max. Available to qualified customers with a credit check and eligible U.S. credit or debit card. Requires a 24-month installment loan with a 0% APR from Citizens Bank, N.A. (subject to any interest, fees, or other costs payable to the card issuer), purchase of AppleCare+ for iPhone, and iPhone activation with one of these national carriers: AT&T, Sprint, Verizon, or T-Mobile. Sales tax and any applicable fees due at time of purchase. Full terms apply.
Offer only available on presentation of a valid, government-issued photo ID. You must be at least 18 years old. Value of your current device may be applied toward purchase of a new Apple device. Trade-in values may vary based on the condition and model of your smartphone trade-in. Offer may not be available in all stores and not all devices are eligible for credit. To see if your device is eligible, please visit Apple’s approved partner for the trade-in and recycling of eligible devices. Some stores may have additional requirements. You will be required to agree to the full terms and conditions available at the Apple Store. Online and in-store values may vary. Apple reserves the right to refuse or limit the quantity of any device for any reason.
AppleCare+ for iPhone provides coverage for up to two incidents of accidental damage from handling. Each incident is subject to a service fee of $29 for screen damage, and $99 for any other damage, plus applicable tax.
You are not required to purchase AppleCare+ with Theft and Loss to participate in the iPhone Upgrade Program. If you select it, the full cost of the plan will be spread out over 24 monthly payments. AppleCare+ with Theft and Loss requires you to have the Find My iPhone feature enabled on your device at the time it is lost or stolen. AppleCare+ with Theft and Loss provides up to two incidents of accidental damage from handling (ADH), theft, or loss. Each incident of ADH is subject to a $29 deductible for screen-only ADH and $99 for all other ADH. Theft and Loss deductibles apply and vary by model: $199 for iPhone 7 and iPhone 8, $229 for iPhone 7 Plus and iPhone 8 Plus, $229 for iPhone XR and iPhone 11, and $269 for iPhone XS, iPhone XS Max, iPhone 11 Pro, and iPhone 11 Pro Max.

^†† We approximate your location from your internet IP address by matching it to a geographic region or from the location entered during your previous visit to Apple.