iPhone Payments Terms & Conditions

United States

Apple offers iPhone Payments described below under the following terms and conditions (“Terms & Conditions”). When you enroll in iPhone Installments, you are agreeing to these Terms & Conditions.

  1. iPhone Payments. iPhone Payments is available to qualified customers and consists of the purchase of an eligible iPhone under a monthly installment loan, and the wireless service activation with an eligible carrier.
    1. Installment Loan. You will be required to apply for and enter into a 24-month 0% APR installment loan (“Installment Loan”) for the full retail price of the eligible iPhone (“Financed iPhone”), and if purchased at an Apple Store, applicable taxes and fees. If purchased on apple.com or the Apple Store app (collectively, “apple.com”), applicable taxes and fees will be charged separately by Apple and will not be included in the Installment Loan. You will enter into the Installment Loan with Apple’s bank partner, Citizens Bank, N.A., doing business as Citizens One (“Bank”). Additional terms and conditions required by the Bank apply.
      • Credit or Debit Card. To enroll in iPhone Payments you will need a valid and eligible U.S.-issued personal, small business, or corporate/commercial credit or debit card. Prepaid cards are not accepted. Your use of your credit or debit card is subject to the terms and conditions in your cardmember agreement.
      • First Installment Payment. Your first installment payment under your Installment Loan will be authorized on your credit or debit card at the time of purchase, pickup, or shipment and will be processed within three days. For purchases made at an Apple Store, all applicable taxes and fees due on the purchase of the Financed iPhone are included in your first installment payment to Bank. For purchases made on apple.com, your credit or debit card will be charged with two separate transactions: (1) applicable taxes and fees on the full retail price of the Financed iPhone will be paid to Apple; and (2) the first payment of your Installment Loan will be paid to Bank.
      • Subsequent Installment Payments. After the first installment payment, your credit or debit card will be automatically charged on a monthly basis by Bank under the terms of the Installment Loan.
      • Credit Card Interest and Other Fees. You will be charged 0% APR on the Installment Loan. However, your credit card issuer may charge you interest or other fees under the terms and conditions in your cardmember agreement. This may include any applicable interest on unpaid balances or late payments. Your eligibility to receive certain card benefits in connection with installment payments will be determined by your card issuer.
    2. Wireless Service Activation. The Financed iPhone requires wireless service activation on a new or existing wi