∆ Apple Pay Later loans are subject to eligibility and approval. Available only in the U.S. May not be available in all states. Not available in U.S. territories. Loans made by Apple Financing LLC, NMLS #2154940. CA loans made or arranged pursuant to a California Financing Law license. To use Apple Pay Later, you must have an iPhone or iPad updated to the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Apple Pay Later loans are available for purchases between $75-$1,000. For more eligibility details, click here (Opens in a new window).

^◊ Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. for eligible Apple products purchased at Apple Store locations, apple.com (Opens in a new window), the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See Apple Support (Opens in a new window) for more information about eligible products. APR ranges may vary based on when you accepted an Apple Card. Cardholders who accept an Apple Card on and/or after August 10, 2023: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. Rates as of August 10, 2023. Existing cardholders: See your Customer Agreement for applicable rates and fee. If you buy an ACMI-eligible product by choosing to pay in full with Apple Card (instead of using ACMI), that purchase is subject to the Apple Card variable APR, not 0% APR. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. You’ll need to select AT&T, T-Mobile, or Verizon as your carrier when you check out. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. 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. The last month’s payment for each product will be the product’s purchase price, less all other payments at the monthly payment amount. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See Apple Support (Opens in a new window) for information about upcoming changes to ACMI financing. See the Apple Card Customer Agreement (Opens in a new window) for more information about ACMI financing.

* Monthly pricing is available when you select Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple, and is subject to credit approval and credit limit. Financing terms vary by product. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the Apple Card Customer Agreement (Opens in a new window) for more information. ACMI is not available for purchases made online at special storefronts. The last month’s payment for each product will be the product's purchase price, less all other payments at the monthly payment amount. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See https://support.apple.com/kb/HT211204 (Opens in a new window) for information about upcoming changes to ACMI financing.

To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.

If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.