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 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 a new iPhone with the iPhone Upgrade Program. Can I exchange it for iPhone 13 or iPhone 13 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.

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 now

iPhone 13 Pro Max and iPhone 13 Pro

iPhone 13 and iPhone 13 mini

Upgrade to iPhone 13 or iPhone 13 Pro.

Now in new finishes.

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

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 13 mini

128GB

From $35.33 per month

256GB

From $39.50 per month

512GB

From $47.83 per month

iPhone 13

128GB

From $39.50 per month

256GB

From $43.66 per month

512GB

From $52.00 per month

iPhone 13 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 13 Pro Max

128GB

From $54.08 per month

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.

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.^◊

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 13 mini, iPhone 13, iPhone 13 Pro, and iPhone 13 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.
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 18 years old 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 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.
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 or back glass damage, and $99 for other accidental damage, plus applicable tax. The back glass damage service fee is only available for iPhone 12 and iPhone 13 models.
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 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 protection and up to two incidents of theft or loss coverage every 12 months. Each incident is subject to a service fee of $29 for screen or back glass damage, $99 for other accidental damage, or a deductible of $149 for theft or loss. The back glass damage service fee is only available for iPhone 12 and iPhone 13 models.

AppleCare+ benefits are separate from and in addition to the Apple Limited Warranty and any legal rights provided by consumer protection laws in your jurisdiction. AppleCare+ is subject to acceptance of the Terms and Conditions. Purchase of either plan is not required to purchase iPhone.

The company obligated under AppleCare+ in the United States is AppleCare Service Company, Inc., an Arizona corporation and wholly owned subsidiary of Apple Inc., doing business in Texas as Apple CSC Inc.

AppleCare+with Theft & Loss is an optional device protection program that provides combined benefits under AppleCare+ and a Theft & Loss insurance policy. Theft and loss insurance coverage is underwritten by New Hampshire Insurance Company (NAIC# 23841; Principal Address 175 Water Street, 18th Floor, New York, NY 10038; Phone (212) 770-7000) and is sold by AppleCare Service Company, Inc. (in California d/b/a Brogdan Insurance Services Lic#OL00763; Iowa License #26) and is sold in NY by Apple Inc. (License #926146). Theft and loss insurance coverage is provided under a group policy issued to AppleCare Service Company, Inc. in all states, except for New York where the policy is issued to Apple Inc. Coverage is subject to certain terms, conditions, and limitations. Theft and Loss can be purchased separately. Please refer to the certificate of coverage for your state for complete details, which can be found at www.aigtheftandloss.com/coveragedocs.

◊ Apple Card Monthly Installments (ACMI) is a 0% APR payment option available to select at checkout for certain Apple products purchased at Apple Store locations, apple.com, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See https://support.apple.com/kb/HT211204 for more information about eligible products. Variable APRs for Apple Card other than ACMI range from 11.24% to 22.24% based on creditworthiness. Rates as of April 1, 2022. If you choose the pay-in-full or one-time-payment option for an ACMI eligible purchase instead of choosing ACMI as the payment option at checkout, that purchase will be subject to the variable APR assigned to your Apple Card. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the Apple Card Customer Agreement for more information. 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. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Sprint, Verizon, or T-Mobile.

To access and use all the features of Apple Card, you must add Apple Card to Wallet on an iPhone or iPad with the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install.

Available for qualifying applicants in the United States.

Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

†† 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.