Financing and Credit

Buy the way that’s right for you.

Pay for the products you love monthly and interest-free when you choose to check out with Apple Card Monthly Installments.¹ You’ll get 3% Daily Cash back every time. And if you’re buying a new iPhone, you can also pay monthly with your carrier and take advantage of special offers.

Special Carrier Deals at Apple

Save up to $800 on the newest iPhone after trade-in.†

Save up to $800

Get $400–$900 in credit

Save up to $440

Find your deal

Our Specialists can help you shop — online or in store. Connect with an iPhone Specialist

Apple Card Monthly Installments

Pay for your new Apple products over time, interest-free when you choose to check out with Apple Card Monthly Installments.^◊

Now when you shop at Apple using Apple Card, you can pay monthly at 0% APR for your new iPhone, iPad, Mac, Apple Watch, and eligible accessories when you choose to check out with Apple Card Monthly Installments. And you’ll get 3% Daily Cash back — all up front.

Learn moreLearn more

Get 3% Daily Cash back. All up front.

Trade in your current device. Pay even less per month.²

Only at Apple.

Start shopping with Apple Card Monthly Installments today.

iPhone

From $399 or

$16.62 per month for 24 months³

Shop iPhoneShop iPhone

Mac

From $699 or

$58.25 per month for 12 months⁴

Shop MacShop Mac

Watch

From $199 or

$8.29 per month for 24 months⁴

Shop Apple WatchShop Apple Watch

iPad

From $329 or

$27.41 per month for 12 months⁴

Shop iPadShop iPad

AirPods

From $129 or

$21.50 per month for 6 months⁴

Explore AirPodsExplore AirPods

Select accessories are also eligible for Apple Card Monthly Installments.

Buying with Apple Card gives you all these great benefits, too.

Unlimited Daily Cash back with every purchase, including 3% at Apple and 2% when you use Apple Card with Apple Pay.

No fees.⁵ Not even hidden ones.

The privacy and security you expect from iPhone.

An Apple-designed titanium card that can be used anywhere Mastercard is accepted.

See if you’re approved without impacting your credit score.⁶

Apply for Apple Card NowApply for Apple Card Now

Learn more

Already have Apple Card? There’s no additional application needed. Just choose Apple Card Monthly Installments when you check out.

Carrier Financing

Pay monthly, enjoy daily.

Buy your next iPhone directly from Apple to take advantage of special deals and the simplicity of paying for your new iPhone on your regular carrier bills. Whether you upgrade online or in-store, we make it simple to connect your new iPhone to a plan that works for you.

Buying an iPhone is easier with Apple.

Compare carrier deals and choose the one that’s best for you — we even make it simple to switch carriers or plans.

Trade in your current smartphone to lower your monthly payments.

Activate your new iPhone on the carrier of your choice. Keep your number and rate plan or even choose a new one — and save yourself a trip to the carrier store.

Need some help?

Chat now, call 1-800-MY-APPLE, or find a store.

Chat now

Buy your new iPhone from Apple. Pay for it with your carrier.

Choose from select carrier plans when you buy online. Or visit an Apple Store for even more options.

iPhone 13

BuyiPhone 13

iPhone 13 Pro

BuyiPhone 13 Pro

iPhone 12

BuyiPhone 12

Small-business financing

Get the Apple products you need with financing options that work for you.

Learn more

Get help buying

Have a question? Call a Specialist or chat online. Call 1‑800‑MY‑APPLE.

† AT&T Special Deal: Offer pricing will reflect application of AT&T trade‑in credit up to $800 applied over 36 months after trade‑in of eligible smartphone. Requires upgrade of an existing line or activation of a new line and purchase of a new iPhone 13 mini, iPhone 13, iPhone 13 Pro, or iPhone 13 Pro Max on qualifying 36‑month 0% APR installment plan, subject to carrier credit qualification. AT&T Installment Plan with Next Up is not eligible for this promotion. $0 down for well-qualified customers only, or down payment may be required and depends on a variety of factors. Tax on full retail price due at sale. Requires activation on eligible unlimited plan. If you cancel eligible wireless service, credits will stop and you will owe device the remaining device balance. Activation/Upgrade Fee: $30. Trade‑in device may not be on existing installment plan. Bill credits are applied as a monthly credit over the 36-month installment plan. Credits start within 3 bills. Will receive catch-up credits once credits start. Wireless line must be on an installment agreement, active, and in good standing for 30 days to qualify. Installment agreement starts when device is shipped. To get all credits, device must remain on agreement for entire term and you must keep eligible service on device for entire installment term. Limited-time offer; subject to change. Limits: one trade‑in per qualifying purchase and one credit per line. May not be combinable with other offers, discounts, or credits. Purchase, financing, other limits, and restrictions apply. Price for iPhone 13 and iPhone 13 mini includes $30 AT&T instant discount. Activation required.

T-Mobile/Sprint Special Deal: Buy an iPhone 13 Series or iPhone 12 series and trade in a qualifying device (iPhone X, iPhone XS, iPhone XS Max, iPhone XR, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone 12, iPhone 12 mini, iPhone 12 Pro, and iPhone 12 Pro Max) to receive (i) Apple instant trade-in credit and (ii) an additional $200 back in bill credits on your T-Mobile/Sprint rate plan. Bill credits will be applied over 24 months toward your rate plan charges; must be active and in good standing to receive credits; allow 2 bill cycles from valid submission and validation of trade in. If you cancel or downgrade your wireless service before receiving 24 bill credits, credits will stop. Tax on pre-credit price due at sale. Limited-time offer; subject to change. Qualifying credit, service, and trade-in in good condition required. T-Mobile/Sprint in stores and on customer service calls, $30 assisted or upgrade support charge may be required. Max 4/account. May not be combinable with some offers or discounts. Price for iPhone 13, iPhone 13 mini, iPhone 12, and iPhone 12 mini includes $30 T-Mobile/Sprint instant discount. Activation required.

Verizon Special Deal: Offer pricing will reflect application of Verizon's trade-in credit up to $440 (iPhone 13, iPhone 13 Pro, and iPhone 13 Pro Max) or $412 (iPhone 13 mini) or $425 (iPhone 12) or $375 (iPhone 12 mini) after trade-in of eligible smartphone. Savings comprised of (i) Apple instant trade-in credit at checkout and (ii) Verizon monthly bill credits applied over 24 months (iPhone 13 mini and iPhone 13) or 30 months (iPhone 13 Pro and iPhone 13 Pro Max). Customer must remain in the Verizon Device Payment Program for 24 months (iPhone 12 mini, iPhone 12, iPhone 13 mini, and iPhone 13) or 30 months (iPhone 13 Pro and iPhone 13 Pro Max) to receive the full benefit of the Verizon bill credits. Bill credits may take 1-2 bill cycles to appear. If it takes two cycles for bill credits to appear, you’ll see the credit for the first cycle on your second bill in addition to that month’s credit. Requires purchase and activation of a new iPhone 12 mini, iPhone 12, iPhone 13 mini, iPhone 13, iPhone 13 Pro, or iPhone 13 Pro Max with the Verizon Device Payment Program at 0% APR for 24 months (iPhone 12 mini, iPhone 12, iPhone 13 mini, and iPhone 13) or 30 months (iPhone 13 Pro and iPhone 13 Pro Max), subject to carrier credit qualification, and iPhone availability and limits. Taxes and shipping not included in monthly price. Sales tax may be assessed on full value of new iPhone. Requires eligible unlimited service plan. Requires trade-in of eligible device in eligible condition. Must be at least 18 to trade-in. Apple or its trade-in partners reserve the right to refuse or limit any trade-in transaction for any reason. In-store trade-in requires presentation of a valid, government-issued photo ID (local law may require saving this information). In-store promotion availability subject to local law; speak to a Specialist to learn more. Limited-time offer; subject to change. Additional terms from Apple, Verizon, and Apple’s trade-in partners may apply. Price for iPhone 12 mini, iPhone 12, iPhone 13 mini, and iPhone 13 includes $30 Verizon instant discount. Activation required.

Apple Card Monthly Installments (ACMI) is a 0% APR payment option available to select at checkout for certain 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 https://support.apple.com/kb/HT211204 (Opens in a new window) for more information about eligible products. Variable APRs for Apple Card other than ACMI range from 10.99% to 21.99% based on creditworthiness. Rates as of April 1, 2020. If you choose the pay-in-full or one-time-payment option for an ACMI eligible purchase instead of choosing ACMI as the payment option at checkout, that purchase will be subject to the variable APR assigned to your Apple Card. 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 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. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Sprint, Verizon, or T-Mobile.
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 toward 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 estimate was made. Sales tax may be assessed on full value of a new device purchase. In-store trade-in requires presentation of a valid photo ID (local law may require saving this information). Offer may not be available in all stores, and may vary between in-store and online trade-in. Some stores may have additional requirements. Apple or its trade-in partners reserve the right to refuse or limit 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.
Available to qualified customers and requires 24-month installment loan when you select Citizens One or Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple. iPhone activation required with AT&T, T-Mobile, Sprint, or Verizon for purchases made with ACMI at an Apple Store. Subject to credit approval and credit limit. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. Additional Apple Card Monthly Installments terms are in the Customer Agreement. Additional iPhone Payments terms are here. 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.
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 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.
Variable APRs range from 10.99% to 21.99% based on creditworthiness. Rates as of April 1, 2020.
Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.

To access and use all the features of Apple Card, you must add Apple Card to Wallet on an iPhone or iPad with the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install.

Available for qualifying applicants in the United States.

Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

†† We approximate your location from your internet IP address by matching it to a geographic region or from the location entered during your previous visit to Apple.

Buy the way that’s right for you.

Save up to $800 on the newest iPhone after trade-in.†

Apple Card Monthly Installments

Pay for your new Apple products over time, interest-free when you choose to check out with Apple Card Monthly Installments.◊

Start shopping with Apple Card Monthly Installments today.

iPhone

Mac

Watch

iPad

AirPods

Buying with Apple Card gives you all these great benefits, too.

Carrier Financing

Pay monthly, enjoy daily.

Buying an iPhone is easier with Apple.

Need some help?

Buy your new iPhone from Apple. Pay for it with your carrier.

Small-business financing

Get help buying

Pay for your new Apple products over time, interest-free when you choose to check out with Apple Card Monthly Installments.^◊