Easy to join. Easy to love.

Getting the latest iPhone with AppleCare+ has never been easier. You can pay over time with 0% interest, and upgrade to a new iPhone after only 12 payments. Just sign up for the program online, in an Apple Store, or with the Apple Store app.1

Join now

Here’s how to join:

  1. Join online. Or visit us at a store.

    Visit apple.com or use the Apple Store app and buy either iPhone XS or iPhone XR. Choose your model, carrier, and capacity, then select Apple iPhone Upgrade Program as your payment option. Or visit an Apple Store and ask a Specialist about the program.

  2. Choose your level of AppleCare+ coverage.

    Decide between standard AppleCare+ or AppleCare+ with Theft and Loss.2

  3. Provide your carrier account details.

    If you currently have a wireless account, you’ll need your password and any other relevant account information.

  4. Back up the data on your current mobile phone.

    If you’re joining the iPhone Upgrade Program for the first time, remember to back up your data to your computer or iCloud, and take note of your Apple ID.

  5. Have your personal information and credit card on hand.

    You’ll be asked to provide your Social Security number and date of birth for a credit check. You’ll also need a valid U.S. credit card. Debit cards and prepaid cards are not accepted. If you’re signing up at an Apple Store, you’ll also need valid primary and secondary forms of ID, and the first and last names on both must match. View acceptable forms of ID

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

Questions 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 card. Debit cards and 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 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.

If I choose to upgrade to iPhone XS, iPhone XS Max, or iPhone XR, what happens to my iPhone Upgrade Program eligibility next year?

You will still be eligible to upgrade next year. However, your new upgrade eligibility date will be determined by the start date of your new iPhone Upgrade Program loan. Please note that you are eligible to upgrade after six months in the program, as long as you have made the equivalent of at least 12 payments.

What do my monthly payments cover?

Your monthly payments cover the full cost of iPhone, as well as AppleCare+ coverage.

I just bought a new iPhone. Can I exchange it for the new iPhone XS, iPhone XS Max or iPhone XR?

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 XS, iPhone XS Max, or iPhone XR.

Can I trade in my current smartphone with Apple GiveBack?

Yes. You can trade in your eligible device, online or in an Apple Store, for an Apple Store Gift Card. If your device is not eligible for credit, we’ll recycle it for free. No matter the model or condition, we can turn it into something good for you and good for the planet. Please note that if the phone is associated with your iPhone Upgrade Program account, you are still responsible for paying the remaining balance of your loan with Citizens Bank.

Who is Citizens One?

Citizens One is Apple’s official financing partner for the iPhone Upgrade Program. Monthly charges will appear on your credit card statement from Citizens One 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

How to upgrade