Upgrade to your favorite iPhone. Year after year.

As a member of the iPhone Upgrade Program, you can get a new iPhone once you’ve made the equivalent of at least 12 payments.¹ And you’ll get your choice of AppleCare+ coverage, too.

Check upgrade eligibility

Here’s how to upgrade:

Start by checking your upgrade eligibility.

Once you’ve confirmed that you’re eligible, just choose the iPhone you’d like to upgrade to. Or stop by an Apple Store, and a Specialist will help you choose your new iPhone.²
Choose your level of AppleCare+ coverage.

Decide between standard AppleCare+ or AppleCare+ with Theft and Loss.³
Provide your carrier account details.

If you currently have a wireless account, you’ll need your password and any other relevant account information.
Have your personal information and credit or debit 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 or debit card. 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 (Opens in a new window)
Get your new iPhone. And return your current iPhone to Apple.

If you’re upgrading online or with the Apple Store app, you can have your new iPhone delivered right to your door for free. Once it ships, we’ll send you a Trade-in Kit so you can send your current iPhone back to Apple. You’ll also have the option to pick up your new iPhone in a store — often the same day. When you come to the store, remember to bring your current iPhone with you to trade in.

Be sure you back up your data (Opens in a new window) on your current iPhone to your computer or iCloud before trading it in.

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

FAQs about upgrading

Can I use Apple Card for my monthly payments?

Yes, you can use Apple Card as your monthly payment method. You’ll get 3% Daily Cash back each time you make a payment.⁴
Learn more

How do I find my Apple Card number?

Open the Wallet app on your iPhone and tap Apple Card. Then tap the more button in the top-right corner and choose Card Information. You can then verify your identity using Face ID, Touch ID, or your iPhone passcode.

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. 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 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.

If I choose to upgrade to iPhone 15 or iPhone 15 Pro, 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.

I just bought a new iPhone. Can I exchange it for the iPhone 15 or iPhone 15 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 I upgrade to a new iPhone with the iPhone Upgrade Program, what happens to my existing AppleCare+ coverage?

When you complete the iPhone Upgrade Program trade-in process, we’ll cancel the associated AppleCare+ coverage. Your new AppleCare+ or AppleCare+ with Theft and Loss coverage will be registered to your new iPhone on the day you purchase your device.

What if I want to leave the iPhone Upgrade Program?

If you want to upgrade but do not want to stay in the iPhone Upgrade Program, you should not complete the preapproval process.

If I paid off my previous loan, am I still part of the iPhone Upgrade Program?

After 24 payments, the iPhone is yours, and your iPhone Upgrade Program contract is complete. You can rejoin the iPhone Upgrade Program online or at an Apple Store.

What do my monthly payments cover?

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

Why do I need to make a payment to be eligible for an upgrade?

In order to upgrade, you need to make or have made the equivalent of at least 12 payments. You can pay any remaining balance needed to meet your 12 payments at the time of upgrade.

Do I still need to make payments for my current iPhone while I wait for my new iPhone to ship?

Yes. Once it ships, we’ll pause the payments on your current loan, and the payments for your new iPhone will begin. After we receive your old device and determine that it’s in good working condition, we’ll close out the associated loan.

I agreed to make a payment to upgrade my iPhone early. Why am I still being billed monthly?

You’ll continue to be charged monthly for your existing loan until your new iPhone has shipped or you pick it up in a store. At that time, your new loan will begin, and the early upgrade payment you made for your original loan will be reassessed. Any amount you paid in excess will be refunded to you.

Can someone else upgrade my iPhone?

Yes. The person who upgrades your iPhone will be responsible for starting a new iPhone Upgrade Program loan agreement.

Can I trade in my current iPhone with Apple Trade In?

Yes. If you satisfied your current iPhone Upgrade Program loan, you own the iPhone outright. But if there is a remaining balance due, you are responsible for paying the balance of the loan to Citizens Bank.

My current iPhone is damaged. Can I still upgrade to a new iPhone?

Yes. If you upgrade online, you may be charged an incident fee after your iPhone is received and assessed for damage. If you upgrade at an Apple Store, you may be charged an incident fee at that time. For more information on fees associated with your AppleCare+ coverage, visit here.

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.

Program available for iPhone 15 and iPhone 15 Pro. Available to qualified customers with a credit check and eligible U.S. credit or debit card. Requires a 24-month installment loan with a 0% APR from Citizens Bank, N.A. (subject to any interest, fees, or other costs payable to the card issuer), purchase of AppleCare+ for iPhone, and iPhone activation with one of these national carriers: AT&T, T-Mobile, or Verizon. Sales tax and any applicable fees due at time of purchase. Full terms apply.
Availability may be limited and will be determined on a first-come, first-served basis.
You are not required to purchase AppleCare+ with Theft and Loss to participate in the iPhone Upgrade Program. If you select it, the full cost of the plan will be spread out over 24 monthly payments. AppleCare+ with Theft and Loss requires you to have the Find My feature enabled on your device at the time it is lost or stolen. AppleCare+ with Theft and Loss provides unlimited incidents of accidental damage from handling and up to two incidents of theft or loss coverage every 12 months. Each incident is subject to a service fee of $29 for screen damage and back glass, $99 for other accidental damage, or a deductible of $149 for theft or loss. The back glass damage service fee is only available for iPhone 12, iPhone 13, iPhone 14, and iPhone 15 models. AppleCare+ benefits are separate from and in addition to the Apple Limited Warranty and any legal rights provided by consumer protection laws in your jurisdiction. AppleCare+ is subject to acceptance of the Terms and Conditions. Purchase of either plan is not required to purchase iPhone. The company obligated under AppleCare+ in the United States is AppleCare Service Company, Inc., an Arizona corporation and wholly owned subsidiary of Apple Inc., doing business in Texas as Apple CSC Inc.

AppleCare+ with Theft & Loss is an optional device protection program that provides combined benefits under AppleCare+ and a Theft & Loss insurance policy. Theft and loss insurance coverage is underwritten by New Hampshire Insurance Company (NAIC# 23841; Principal Address 175 Water Street, 18th Floor, New York, NY 10038; Phone (212) 770-7000) and is sold by AppleCare Service Company, Inc. (in California d/b/a Brogdan Insurance Services Lic#OL00763; Iowa License #26) and is sold in NY by Apple Inc. (License #926146). Theft and loss insurance coverage is provided under a group policy issued to AppleCare Service Company, Inc. in all states, except for New York where the policy is issued to Apple Inc. Coverage is subject to certain terms, conditions, and limitations. Theft and Loss can be purchased separately. Please refer to the certificate of coverage for your state for complete details, which can be found at apple.com/legal/applecare/applecareplus/theftandloss/.

Daily Cash is earned when each monthly payment is made.

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.