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. Find more information in the iPhone Upgrade Program terms and conditions(Opens in a new window). 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 your iPhone and AppleCare+ with Theft and Loss.

I just bought an iPhone with the iPhone Upgrade Program. Can I exchange it for iPhone 17, iPhone Air, or iPhone 17 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 iPhone 17, iPhone Air, or iPhone 17 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.

The easiest way to upgrade to the latest iPhone.

Get a new iPhone every year
AppleCare+ with Theft and Loss includedFootnote¹
Works with your carrier
Starting from $42.41/month Footnote²

Join now

Already a member?

Check your upgrade eligibility now

iPhone 17 Pro, back exterior in deep blue color, Pro camera system spanning across the top, iPhone Air, very thin titanium side, iPhone 17, back exterior in lavender color, Advanced dual-camera system in top left corner

Save time at iPhone pre-order. Get ready now.

Choose the iPhone you want and get preapproved for the iPhone Upgrade Program before 9:00 p.m. PDT on 9.11. Then speed through checkout on 9.12.

Get ready for iPhone pre-order

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+ with Theft and Loss is included in your monthly payments.¹ That way you’re covered for those everyday oops, umms, uh-ohs, and oh nos.

Here's what's included:

Unlimited repairs for accidental damage protection
Theft and loss coverage for up to two claims every 12 months
Express Replacement Service — we’ll ship you a replacement so you don’t have to wait for a repair
24/7 priority support from Apple experts

Learn more about your coverage

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, Boost Mobile, 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 AppleCare+ with Theft and Loss is spread out over 24 months with zero percent interest. And you can upgrade once you’ve made the equivalent of 12 payments.

iPhone 17 payments

Pre-order 9.12

256GB
From $42.41 per month
512GB
From $50.75 per month

iPhone Air payments

Pre-order 9.12

256GB
From $52.83 per month
512GB
From $61.16 per month
1TB
From $69.50 per month

iPhone 17 Pro payments

Pre-order 9.12

256GB
From $57.00 per month
512GB
From $65.33 per month
1TB
From $73.66 per month

iPhone 17 Pro Max payments

Pre-order 9.12

256GB
From $61.16 per month
512GB
From $69.50 per month
1TB
From $77.83 per month
2TB
From $94.50 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. Footnote²

More ways to buy iPhone.

You can pay in full, select carrier financing, or pay monthly and interest-free when you choose to check out with Apple Card Monthly Installments at Apple. Footnote ^◊

Still have questions? Chat now(Opens in a new window) or call 1‑800‑MY‑APPLE.