iPhone Payments Terms & Conditions

United Kingdom

Apple offers iPhone Payments described below under the following terms and conditions (“Terms & Conditions”).  When you enrol in iPhone Payments, you are agreeing to these Terms & Conditions.

  1. iPhone Payments. iPhone Payments is available to eligible customers and consists of the purchase of an eligible iPhone under a monthly instalment loan.
    1. Instalment Loan. You will be required to apply for and enter into a 20-month 0% APR instalment loan (“Instalment Loan”) for the price of the eligible iPhone (“Financed iPhone”). You will enter into the Instalment Loan with Apple’s bank partner, Barclays Partner Finance, a trading name of Clydesdale Financial Services Limited, a wholly owned subsidiary of Barclays Bank PLC, (“Bank”). Additional terms and conditions required by the Bank apply.
      • UK bank account.  To enrol in iPhone Payments you will need a valid and eligible UK bank account. Your use of your bank account is subject to the terms and conditions in your bank account agreement.
      • UK resident. To enrol in the iPhone Payments you must be at least 18 years old and have been a UK resident or registered at a BFPO for the last three (3) years.
      • VAT.  All applicable taxes due on the purchase of the Financed iPhone are included in your instalment payments.
      • Subsequent Instalment Payments.  At the time of purchase, you will set up a direct debit to pay the monthly instalments towards your Instalment Loan and your bank account will be automatically charged monthly by the Bank.
      • Bank Account Interest and other fees.  You will be charged 0% APR on the Instalment Loan.  However, your bank account may charge you interest or other fees under the terms and conditions in your bank account agreement. This may include any applicable interest on overdraft balances.
  2. Extended Fraud Alert.  If you have placed an extended fraud alert on your credit, your identity must be verified by Bank before you can enrol in iPhone Payments. 
  3. General
    1. Credit check required. iPhone Payments is available to eligible end-user customers only.
    2. An eligible iPhone includes iPhones that are designated for inclusion in iPhone Payments by Apple.
    3. iPhone Payments cannot be combined with any other promotions, discounts, or offers (“Offers”), unless specifically provided for in the Offers terms and conditions.
    4. Enrolment limits may apply.
    5. By enroling in iPhone Payments, you understand and agree that Apple, its subsidiaries and agents, and the Bank may collect, process, transmit, maintain, share, and use certain of your personal information, such as your name, mailing address, email address, and information related to your loan and loan status, in order to perform the service and support obligations under iPhone Payments. You may receive periodic iPhone Payments-related texts, emails, or other communications from Apple, such as changes to iPhone Payments Terms & Conditions. You may also receive requests to participate in surveys related to the iPhone Payments. At all times Apple will treat your information in accordance with the Apple Privacy Policy.  Any information collected by the Bank will be subject to their privacy policy.
    6. If any provision (or part of any provision) of these Terms & Conditions is found to be illegal, invalid or unenforceable under any applicable law, such term shall, insofar as it is severable from the remaining terms, be deemed omitted from these Terms & Conditions and shall in no way affect the legality, validity or enforceability of the remaining terms.
    7. You should keep copies of these Terms & Conditions and any sales receipt or other materials relevant to your purchase of the Financed iPhone and Instalment Loan for your records. Apple reserves the right to substitute, change, cancel or add to any part of these Terms & Conditions at any time, including terminating iPhone Payments. Visit https://www.apple.com/uk/legal/sales-support/iphonepayments_uk/ for the most current Terms & Conditions. In the event iPhone Payments is terminated, you will still be responsible for any outstanding balances due under the terms of your Instalment Loan with the Bank.
    8. Contingent upon product availability.
    9. iPhone Payments may not be available in all locations.
    10. iPhone Payments eligibility and approval is not transferrable.
    11. For questions about your Instalment Loan or your application, please contact Barclays at 0800 15 22 888.

iPhone Payments UK