Apple no longer offers iPhone Payments for new U.S. purchases. Apple ended the former installment-loan option when it launched Apple Upgrade on July 28, 2026. Shoppers can now choose among Apple Upgrade, Apple Card Monthly Installments, carrier financing, paying in full, or another lender’s installment product.
The right choice depends on whether you want to own the iPhone, upgrade frequently, maximize a carrier trade-in promotion, or avoid carrier and credit obligations.
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What iPhone Payments was
Apple’s former iPhone Payments program was a monthly installment loan for an eligible iPhone. It generally required activation with an eligible wireless carrier and approval from the financing bank.
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For online purchases, taxes and certain fees based on the phone’s full retail price could be charged separately from the financed balance. The legal terms also allowed Apple to change or terminate the program and imposed promotional and eligibility restrictions.
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Those historical terms should not be treated as current enrollment instructions.
Is iPhone Payments still available?
No—not for new U.S. Apple purchases as of July 28, 2026. Apple’s announcement about Apple Upgrade says the new lease replaced both iPhone Payments and the iPhone Upgrade Program in the United States.
Existing customers should not assume that their payments automatically stop or convert. Review the loan or installment agreement and contact Apple or the current lender for servicing, payoff, trade-in, and return instructions. Apple’s replacement announcement does not by itself provide every detail about legacy contracts.
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| Option | Loan or lease? | Own the phone automatically? | Carrier required? | Best suited to |
|---|---|---|---|---|
| Apple Upgrade | Consumer lease through Klarna | No | AT&T, T-Mobile, or Verizon; prepaid plans excluded under disclosed terms | Frequent upgraders |
| Apple Card Monthly Installments | Purchase financing | Yes, after the installments are paid | No Apple Upgrade carrier requirement | Buyers who qualify for Apple Card and want ownership |
| Carrier financing | Device installment plan | Usually after the plan is satisfied | Yes | Customers pursuing carrier trade-in credits |
| Pay in full or use another lender | Purchase or separate loan | Usually yes, depending on the provider | Depends on the purchase | Maximum flexibility |
Apple Upgrade: a lease, not a purchase loan
Apple Upgrade is a consumer lease provided by Klarna. It is available through Apple’s online store, the Apple Store app, and U.S. Apple Store locations. Disclosed iPhone lease terms are generally 12 or 24 months, though availability varies by model.
Apple advertises iPhone leases starting at $17.99 per month, subject to the device, term, approval, taxes, trade-in credit, and availability. For example, Apple gave these illustrations for an iPhone 17 Pro 256GB priced at $1,099, excluding taxes and trade-in credit:
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No security deposit is required according to Apple. Klarna handles approval based on eligibility and creditworthiness, and Apple says the application uses a soft credit inquiry that does not affect the applicant’s credit score.
What happens at the end of the lease?
You can generally:
- Enter a new lease and return the old iPhone, subject to approval and the new lease terms.
- Buy the iPhone with a one-time purchase payment.
- Return it and exit the arrangement.
If you take no action, the lease may convert to a month-to-month lease for up to six months, with possible payment increases. You do not automatically own the iPhone after making the scheduled lease payments.
Early termination, loss, theft, or damage and failure to return the device in the required condition can result in additional charges. AppleCare may reduce some risks, but it is an added cost and does not erase every lease obligation.
Apple says leased iPhones are unlocked, but the disclosed terms require an eligible AT&T, T-Mobile, or Verizon pairing. Carrier terms still apply.
How to apply for Apple Upgrade
- Shop for an eligible product through Apple’s online store, the Apple Store app, or a U.S. Apple Store.
- Select Apple Upgrade when it is offered and choose an available term.
- Apply through Klarna and complete identity verification.
- Review the payment schedule, return condition, purchase option, and termination terms.
- Choose delivery or pickup and track billing through the Klarna app.
Apple Card Monthly Installments
Apple Card Monthly Installments (ACMI) offers 0% APR on eligible Apple purchases when you select ACMI at checkout and pay with Apple Card. The purchase is divided into monthly installments, and the installment is included in the minimum Apple Card payment due.
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Apple also says eligible Apple purchases can earn 3% Daily Cash up front. You must qualify for Apple Card, have enough available credit, and select ACMI for the purchase. Apple Card is available only to qualifying U.S. applicants and is issued by Goldman Sachs Bank USA.
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How to use ACMI
- Apply for Apple Card if you do not already have it.
- At Apple checkout, select Apple Card Monthly Installments.
- Review the displayed term, financed amount, taxes, trade-in credit, and monthly payment.
- Complete the purchase.
- Manage the installment through Apple Card in the Wallet app.
Carrier financing
Apple’s financing overview describes carrier iPhone financing as generally 0% APR over 24 or 36 months through AT&T, T-Mobile, or Verizon. Payments appear on the regular carrier bill.
A carrier’s credit approval is separate from Apple Card and Klarna approval. Device installments and wireless-service charges are separate obligations even when they appear on one bill.
The largest advertised savings often come from promotional bill credits after a trade-in. Those credits may require a particular phone, qualifying plan, new line or port-in, and continued service for the full promotion period. Leaving early, changing plans, or paying off the device can affect remaining credits. Calculate the device cost and the required service cost before comparing a low or $0 monthly device payment.
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Carrier device-lock rules and unlock timing vary. Do not assume a carrier-financed iPhone is immediately unlocked just because Apple says Apple Upgrade and ACMI iPhones are unlocked.
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Choose Apple Upgrade if you upgrade frequently
It may fit if you want a predictable lease payment and expect to return or replace the phone after 12 or 24 months. It is a poor fit if you keep phones for three or more years, want uncomplicated ownership, may change carriers, or dislike return-condition and end-of-lease obligations.
Choose ACMI if you want to own the phone
ACMI is usually the clearest Apple-linked route for an eligible Apple Card customer who wants 0% APR, eventual ownership, and an Apple-purchased unlocked iPhone. Compare it with carrier promotions, and make sure the installment will not consume too much available credit.
Choose carrier financing for the strongest promotion
Carrier financing can be cheapest when a large trade-in credit outweighs the cost of the required plan and you will remain with that carrier until the credits finish. It is less suitable if you may switch soon or need immediate unlocking.
Pay in full for maximum flexibility
Paying in full avoids leases, credit approval, carrier lock-in, and installment servicing. Consider Apple Trade In, independent resale, a previous-generation iPhone, or a refurbished model to reduce the upfront cost. Apple’s Trade In estimate is not final until inspection, and a separate outstanding loan is not automatically erased by Apple’s trade-in value.
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Important edge cases
- Financed trade-in: Check the current lender and carrier rules before trading in a phone with an unpaid balance. You may need to satisfy the balance first.
- Changing carriers: Review whether bill credits stop and whether the device can be unlocked.
- Prepaid service: Apple’s disclosed Apple Upgrade iPhone terms exclude prepaid plans. Consider ACMI, paying in full, or another provider.
- Lease damage or loss: Return-condition, theft, loss, and early-termination charges can materially change the lease’s cost.
- Apple Pay installments: Apple Pay is a wallet and checkout system, not the lender. Participating banks and providers set their own APRs, fees, terms, approval standards, and repayment consequences.
Apple Card, Apple Pay, Apple Pay Later, and Apple Upgrade are different
Apple Card is a credit card that can provide ACMI. Apple Pay is a payment system that may display installment products from participating lenders. Apple Pay Later was a separate Apple-operated buy-now-pay-later product that Apple discontinued in 2024. Apple Upgrade is Klarna’s consumer lease. iPhone Payments was Apple’s former iPhone installment-loan program, no longer offered for new U.S. purchases.
Apple Support explains the current third-party installment approach through Apple Pay.
What existing iPhone Upgrade Program customers should do
Apple says eligible customers currently enrolled in the iPhone Upgrade Program may be offered a choice among Apple Upgrade, ACMI, an outright purchase, or carrier financing. Eligibility is not necessarily automatic for every option.
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Bottom line
For new U.S. purchases, stop looking for iPhone Payments: it has been replaced. Choose Apple Upgrade only if the flexibility of leasing and frequent upgrades outweighs the cost and return obligations. Choose ACMI if you qualify and want to own the phone at 0% APR. Choose carrier financing when its trade-in credits genuinely beat the alternatives and you will accept the carrier commitment. Otherwise, paying in full or using a carefully compared independent loan offers the most control.
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