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. Find more information in the iPhone Upgrade Program terms and conditions(Opens in a new window). 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.

What do my monthly payments cover?

Your monthly payments cover the full cost of your iPhone and AppleCare+ with Theft and Loss.

I just bought an iPhone with the iPhone Upgrade Program. Can I exchange it for iPhone 16 or iPhone 16 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.

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.

The easiest way to upgrade to a new iPhone.

Get a new iPhone every year
AppleCare+ with Theft and Loss included^Footnote1
Works with your carrier
Starting from $42.41/month Footnote ²

Join now

Already a member?

Check your upgrade eligibility now

iPhone 16 Pro and iPhone 16 Pro Max with Pro camera system, all-screen design, Dynamic Island, thin black display border, iPhone 16 and iPhone 16 Plus with Advanced dual-camera system, all-screen design, Dynamic Island, thin black display border

New iPhone models, box displays iPhone 16 back exterior with Ultramarine finish, and iPhone 16 Pro front, wallpaper displays minimal light streams

Get a new iPhone every year.

You’re eligible to upgrade to a new iPhone once you’ve made 12 payments. Just trade in your current iPhone and start a new plan.³ It’s that easy.

See how to upgrade

Peace of mind. Included with AppleCare.

When you join the iPhone Upgrade Program, AppleCare+ with Theft and Loss is included in your monthly payments.¹ That way you’re covered for those everyday oops, umms, uh-ohs, and oh nos.

Here's What's Included

Unlimited repairs for accidental damage protection
Theft and loss coverage for up to two claims every 12 months
Express Replacement Service — we’ll ship you a replacement so you don’t have to wait for a repair
24/7 priority support from Apple experts

Learn more about your coverage

Works with your carrier.

You’re buying directly from Apple. Which means no more financing your iPhone through your carrier or committing to a multiyear service contract. We connect your new iPhone to your carrier for you. So you won’t have to make any changes to your rate plan. And if you ever decide to switch carriers after you activate your iPhone with AT&T, Boost Mobile, T‑Mobile, or Verizon, you can easily do that, too.

Low monthly payments.

You don’t have to pay for your new iPhone all at once. You can simply pay over time. The full cost of your iPhone and AppleCare+ with Theft and Loss is spread out over 24 months with zero percent interest. And you can upgrade once you’ve made the equivalent of 12 payments.

iPhone 16, back, Advanced dual-camera system, two vertical lens, microphone and flash, front, Dynamic Island

iPhone 16 payments

128GB
From $42.41 per month
256GB
From $46.58 per month
512GB
From $54.91 per month

iPhone 16 Plus, back, Advanced dual-camera system, two vertical lens, microphone and flash, front, Dynamic Island

iPhone 16 Plus payments

128GB
From $47.83 per month
256GB
From $52.00 per month
512GB
From $60.33 per month

iPhone 16 Pro, back, Pro camera system, three lens, microphone and flash, front, Dynamic Island

iPhone 16 Pro payments

128GB
From $52.83 per month
256GB
From $57.00 per month
512GB
From $65.33 per month
1TB
From $73.66 per month

iPhone 16 Pro Max, back, Pro camera system, three lens, microphone and flash, front, Dynamic Island

iPhone 16 Pro Max payments

256GB
From $61.16 per month
512GB
From $69.50 per month
1TB
From $77.83 per month

The iPhone Upgrade Program is financed through:

Subject to eligibility.

Easy to join. Simple to upgrade.

Sign up online, in an Apple Store, or with the Apple Store app.² If you’re already enrolled, check your upgrade status. Footnote²

More ways to buy iPhone.

You can pay in full, select carrier financing, or pay monthly and interest-free when you choose to checkout with Apple Card Monthly Installments. Footnote ^◊

Still have questions? Chat now(Opens in a new window) or call 1‑800‑MY‑APPLE.

Service coverage is available only for the covered Apple device and its original included accessories for protection against (i) defects in materials or workmanship, (ii) batteries that retain less than 80% of their original capacity, and (iii) unlimited incidents of accidental damage. Accidental Damage means physical damage from handling due to unexpected and unintentional events. Replacement equipment that Apple provides as part of the repair or replacement service may contain new or previously used genuine Apple parts that have been tested and pass Apple functional requirements. There are no service fees for mechanical failures. Each incident of accidental damage protection is subject to a service fee plus applicable tax. Each incident of theft or loss is subject to a deductible plus applicable tax. For complete details, see the AppleCare+ Terms and Conditions and the Theft and Loss Insurance Documentation applicable to your state.

Theft and loss claims are for Apple Watch, iPhone, and iPad. Each claim is subject to a deductible. While the plan is active and in effect, claim limits reset every 12 months: two claims under AppleCare+ and three claims under AppleCare One.

Theft and loss coverage requires you to have Find My enabled on your device at the time it is lost or stolen. Find My should remain enabled and your device should remain associated with your Apple Account throughout the theft or loss claim process. During the theft or loss claims process, you will be asked to erase your missing device, disable it, and transfer ownership before you can be issued a new device. After initiating your theft or loss claim with Apple, you will be asked to finalize your claim on AIG’s website at www.aigtheftandloss.com. International replacement of lost or stolen devices is subject to availability and options may vary by region, device, and model. Same-day replacement is not available for theft and loss claims.

Theft and loss coverage does not apply to an Apple Pencil or Apple-branded keyboard even if lost or stolen with a covered iPad. For any covered Apple Watch theft or loss incidents, including those involving Nike and Hermès watch bands, the replacement band will be an Apple-branded band, which may differ in band style, material, and/or color from the band lost with the covered Apple Watch, subject to Apple’s discretion. Theft or loss claims cannot be made for watch bands only; bands are covered only when the Apple Watch is lost or stolen.

AppleCare+ plan 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+ plans are subject to acceptance of the Terms and Conditions. Purchase of either plan is not required to purchase your Apple device. For complete details, see terms at Legal - AppleCare+ - Apple.

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 and Loss is an optional device protection program that provides combined benefits under AppleCare+ and a Theft and 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 doing business as Brogdan Insurance Services License #0L00763; Iowa License #26) and is sold in New York 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 New York, where the policy is issued to Apple Inc. Coverage is subject to certain terms, conditions, and limitations. Theft and loss coverage can be purchased separately. Please refer to the certificate of coverage for your state for complete details, which can be found at Legal - AppleCare+ Theft and Loss - Apple.
Program available for iPhone 16 and iPhone 16 Pro. Upgrade subject to eligible models. 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, Boost Mobile, T-Mobile, or Verizon. Sales tax and any applicable fees due at time of purchase. Full terms apply.
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 the age of majority 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, cancel, 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.

◊ Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. for eligible 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 support.apple.com/102730 (Opens in a new window) for more information about eligible products. Existing customers: See your Customer Agreement for your variable APR. As of January 1, 2025, the variable APR on new Apple Card accounts ranges from 18.24% to 28.49%. You must elect to use ACMI at checkout. If you buy an ACMI-eligible product with a one-time payment on Apple Card at checkout, that purchase is subject to your Apple Card’s variable APR, not the ACMI 0% APR. Taxes and shipping on items purchased using ACMI are subject to your Apple Card’s variable APR, not the ACMI 0% APR. In order to buy an iPhone with ACMI, you must select one of the following carriers: AT&T, Boost Mobile, T-Mobile, or Verizon. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carrier’s terms. 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. The last month’s payment for each product will be the product’s purchase price, less all other payments at the monthly payment amount. ACMI is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See the Apple Card Customer Agreement (Opens in a new window) for more information about ACMI.

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.

Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.

If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.