How does the upgrade offer work?

If the financing plan you select for your device purchase includes an upgrade offer, you will be eligible for an upgrade benefit once you’ve made the required number of monthly payments. For example, if you choose the 20‑month financing offer, you can upgrade after completing 11 payments. We’ll send you a reminder ahead of time. When you are ready to upgrade, simply apply the trade‑in value of your current device to pay off your remaining Creation balance. If your trade‑in device is in good condition, the upgrade benefit guarantees that its value will pay off your remaining loan balance.

What are the benefits of upgrading to a new device through an eligible financing offer?

Selecting an upgrade‑eligible financing offer means you won’t need to wait for your loan agreement to end in order to get the latest iPhone. Depending on the offer you choose, you’re eligible to upgrade every year or two. Simply shop at Apple for a new iPhone when it’s time to upgrade, trade in your current device in good condition, and we’ll use that value to pay off your remaining loan balance.

Do I have to re‑apply for financing if I want to upgrade and pay over time again?

If you have an open line of credit from your original device purchase with Creation, you won’t need to reapply for financing. Learn more about monthly payments (opens in new window)

What happens to my AppleCare+ coverage plan when I come back to upgrade to a new device?

If you added a fixed‑term plan (two or three years of coverage) to your upgrade‑eligible device, we’ll automatically cancel it and refund you for any unused portion. If you added a recurring plan (charged monthly or yearly until cancelled), it will automatically be cancelled as soon as your trade‑in is complete.

Upgrade Your iPhone or MacBook Pro

Explore your upgrade options.

Use your Flexible Finance Account to buy an eligible device with an upgrade option, and we’ll close your loan if you come back to trade up to the latest model. footnote ^◊

LOWEST MONTHLY PAYMENT

30-Month Offer

From £26.63/mo. at 0% interest※

Upgrade option starts after 23 monthly payments

ANNUAL UPGRADE OPTION

20-Month Offer

From £39.95/mo. at 0% interest※

Upgrade option starts after 11 monthly payments

Take your pick.

Find the eligible model that's best for you. At checkout, select a Flexible Finance Account offer with an upgrade option.

iPhone 17 Pro Max
iPhone 17 Pro
iPhone Air
iPhone 17

Shop iPhone

Even more ways to save.

Get credit with Apple Trade In. Footnote **

Learn more about Apple Trade In
Pay over time with a Flexible Finance Account. Footnote ^※

Learn more about monthly payments
Shop for Mac and save with Education pricing.

Learn more about education savings

Example purchase with a Flexible Finance Account by Creation

A Flexible Finance Account is a line of credit provided by Creation for purchases from Apple. Once opened, you can use it for multiple orders. Learn more about a Flexible Finance Account

Representative example

12 mos. at 14.9% APR (variable)

Purchase amount: £1,200.00
Rate: 14.9%
Interest rate (variable): 14.9%
Term: 12 months
Monthly Payment: £107.72
Total cost of interest: £92.73

Illustrative examples

36 mos. at 14.9% Interest

Purchase amount: £1,200.00
Rate: 14.9%
Interest rate (variable): 14.9%
Term: 36 months
Monthly Payment: £40.99
Total cost of interest: £275.64

36 mos. at 4.9% Interest

Purchase amount: £1,200.00
Rate: 4.9%
Interest rate (variable): 4.9%
Term: 36 months
Monthly Payment: £35.85
Total cost of interest: £90.60

36 mos. at 0% Interest

Purchase amount: £1,200.00
Rate: 0%
Interest rate (variable): 0%
Term: 36 months
Monthly Payment: £33.33
Total cost of interest: £0.00

Frequently Asked Questions

If the financing plan you select for your device purchase includes an upgrade offer, you will be eligible for an upgrade benefit once you’ve made the required number of monthly payments. For example, if you choose the 20‑month financing offer, you can upgrade after completing 11 payments. We’ll send you a reminder ahead of time.

When you are ready to upgrade, simply apply the trade‑in value of your current device to pay off your remaining Creation balance. If your trade‑in device is in good condition, the upgrade benefit guarantees that its value will pay off your remaining loan balance.
Selecting an upgrade‑eligible financing offer means you won’t need to wait for your loan agreement to end in order to get the latest iPhone. Depending on the offer you choose, you’re eligible to upgrade every year or two. Simply shop at Apple for a new iPhone when it’s time to upgrade, trade in your current device in good condition, and we’ll use that value to pay off your remaining loan balance.
If you have an open line of credit from your original device purchase with Creation, you won’t need to reapply for financing.

Learn more about monthly payments (opens in new window)
If you added a fixed‑term plan (two or three years of coverage) to your upgrade‑eligible device, we’ll automatically cancel it and refund you for any unused portion. If you added a recurring plan (charged monthly or yearly until cancelled), it will automatically be cancelled as soon as your trade‑in is complete.

◊

Offers on the Flexible Finance Account with an eligible upgrade option will enable you to trade in your current device during the eligibility window and close out your outstanding balance without paying your remaining instalments. Your account with Creation must be in good standing under the terms of your Flexible Finance Account, and you must have made sufficient monthly payments in line with your agreed payment schedule. It is not possible to bring forward your eligibility window by making additional ad-hoc payments with Creation. The traded in device must be in good physical and operational condition, as determined solely by the requirements of the Apple Trade In program. https://www.apple.com/uk/legal/sales-support/trade-in/uk/(opens in new window) For more details of monthly payment plans with eligible upgrade offers and their associated eligibility windows, please visit the upgrade offer page (opens in new window). Apple reserves the right to change the eligible Upgrade Offers at any time without prior notice.

※

Flexible Finance Account Terms: Consumer finance on the Apple Store Online is brokered by Apple Retail UK Limited, which acts as a credit broker and not the lender. Apple offers finance from a restricted range of finance providers, including the Flexible Finance Account. Subject to eligibility, application and status. Full terms apply.

Flexible Finance Account is a flexible line of credit where, once opened, you can reuse your line of credit to make further purchases from Apple and choose how long you want to make your repayments for.

Flexible Finance Account is provided by Creation Consumer Finance Limited, trading as Creation. Creation is authorised and regulated by the Financial Conduct Authority (registration number 311518) with registered office: 6th floor, Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT. Offers available on the Flexible Finance Account can be subject to change. The currently displayed offers are only available to customers who make a qualifying purchase on the Apple Store for Consumer.

Representative Example:

14.9% APR representative. 14.9% interest rate (variable). Presumed Credit Limit of £1,200.

Trading in your device on the Flexible Finance Account

Your trade-in value can be applied to the purchase of a qualifying new device or used to pay off your current associated plan. The actual recognised value is based on the receipt of a qualified device that matches the description provided in the estimate. If you do not return your device for trade-in within 14 days or accept a changed estimate for the trade-in value, Creation will create an additional draw-down on your Flexible Finance Account which will adjust your overall monthly payment amount to take into account full cost without trade-in value or changed trade-in value.

If you select to use your trade-in value to pay off your existing financing plan, it will be applied to your existing monthly payment plan and any remaining trade-in value will be credited to your new device (unless you are closing off an existing monthly payment plan with Barclays in which case you will be issued with an Apple Gift Card for the remaining trade-in value). If either the estimated trade-in value or a revised trade-in value is lower than your remaining balance, you’ll need to pay the remaining monthly instalments for the existing financing plan.

** 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 towards a 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 the estimate was made. In‑store trade‑in requires presentation of a valid photo ID. Offer may not be available in all stores, and may vary between in‑store and online trade‑in. Desktop computer trade‑in is currently only available online and some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse, cancel or limit the 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.