This clause was updated on October 15 , 2018 .
Upgrading to a novel iPhone is always an exciting process , but there ’s one face that ’s never fun : the cost . Apple ’s latest harvest of smartphones are the company ’s most expensive yet , with the iPhone XS start at $ 999 , the iPhone XS Max at $ 1,099 , and theiPhone XRat $ 749 . And that ’s only for the base poser — if you want more storage , it ’ll cost you more . Toss in extra fee for AppleCare+ , and you ’re suddenly make out with some serious sticker cushion .
To help buffer the blow , Apple rolled out theiPhone Upgrade Programyears ago , which allows customer to make monthly defrayment on the iPhone instead of buying the twist in full up front . Even better , the programme allows you to deal in your phone for a new one after 12 payments — which mean you may get the latest and greatest iPhone every year , if you ’d like .
Apple is go forward its iPhone Upgrade Program for its current iPhone card . Read on for all of the detail .
iPhone Upgrade Program: How much are the payments?
This computer program allows you to upgrade to a novel iPhone every twelvemonth by paying monthly installments straightaway to Apple via a third - party loanword . Here ’s the price breakdown :
iPhone 7 : Not available through the iPhone Upgrade Program . Carrier financing available .
iPhone 8 : Not usable through the iPhone Upgrade Program . aircraft carrier financing available .
iPhone XR :
iPhone XS :
iPhone XX Max :
iPhone Upgrade Program: Does it include AppleCare+?
The price of the iPhone Upgrade Program includes Apple Care+ , which would be an additional charge if you were to pay for the phone in full up front of $ 199 ( $ 299 for AppleCare+ with Theft and Loss ) for the iPhone XS and XS Max , or $ 149/$249 for the iPhone XR .
With AppleCare+ , you get two years of hardware repair insurance coverage starting from the original purchase date of your iPhone . You get two incident of accidental price reporting , which lets you unsex your screen for $ 29 or vivify any other damage for $ 99 . AppleCare+ with Theft and Loss include Apple ’s Express Replacement Service , but you must have discover My iPhone enable .
iPhone Upgrade Program: Does my carrier support it?
The four major U.S. carriers — AT&T , Sprint , T - Mobile , and Verizon — all give up for their customers to inscribe in the iPhone Upgrade Program , but you have to grease one’s palms your machine from an Apple store rather of through your carrier . If you ’re on AT&T , Sprint , or Verizon , you’re able to check blue-ribbon this choice during check-out procedure in the on-line Apple store ; if you ’re on T - Mobile , you have to go to an Apple retail store and enroll in the program in person .
Each of the four carriers have their own ironware leasing options as well , so you may want to ensure your option before recruit in the iPhone Upgrade Program .
iPhone Upgrade Program: How do I enroll?
you may enroll in the iPhone Upgrade Program during checkout when you ’re pre - ordering your iPhone , or when you ’re purchasing your iPhone in an Apple store . However , there is a pre - approval process , because you find funding for your raw iPhone through an interest - spare loan from Citizens One . The pre - approval process involves submit your name , middleman information , Social Security issue , and cite wag info for a credit check .
iPhone Upgrade Program: Do I need to get pre-approved?
Whether you ’re new to the iPhone Upgrade Program or an existing user , Apple propose that you get pre - approved for your loanword ahead of time .
Curiously , the only path to get pre - approved is to employ the Apple Store app on your iPhone . set in motion the app , and look for the “ Get a head embark on on your raise ” streamer at the top of the Discover page . From there , the app will walk you through the pre - approval process , which involves selecting your preferred iPhone , affirm your carrier , and provide your Social Security number and date of birth for a course credit confirmation . Once approved , you ’ll have five daylight to nail your purchase after the pre - guild begin — otherwise , you ’ll have to get pre - approvedagain .
iPhone Upgrade Program: What are the terms and requirements of the loan?
The loan is an interest - free loanword from Citizens One . It ’s distribute out over 24 monthly payments , but you may upgrade your iPhone once you ’ve made 12 payments . You ’ll need a valid U.S. mention carte for your monthly payments ( sorry , no debit entry lineup ) , and if you ’re signing up in an Apple retail store , you ’ll need a valid primary and secondary manakin of ID .
It ’s important to take note that every time you upgrade your gimmick as part of the iPhone Upgrade Program , you ’re signing up for a new loan . I had no issues signing up and getting approved for the program last yr , but others have reported some complications . If you ever need to switch loanword defrayal methods , that ’s possible as well .
iPhone Upgrade Program: Will the Equifax breach impact the loan process?
bighearted shoutout to @ekylefor raising this point on Twitter . If you point a credit freeze with the major deferred payment bureaus in wake of the Equifax hack , you may have to temporarily thaw your account to fill in your Citizens One loan .
If the latter point sounds confusing , the policy is a little muzzy . When we spoke with Citizens One ’s customer servicing line , we were assure there ’s “ no rime or reason ” to hard acknowledgment pulls , which require an unfrozen account at a quotation bureau .
As a result , Citizens One can choose to cede pre - approval after performing a soft credit check ( an alternative available to creditors you already have a family relationship with ) . So some live customer ( like @ekyle ) will obtain pre - approval without having to melt their credit . Other customers , however , may be denied even if they ’re in good standing with Citizens One and have a history of on - time payment .
So what should you do ? It depends on where you hold up and how intent you are on getting your new iPhone as before long as possible .
If you ’re in a Department of State that blame to melting a freeze , and you do n’t sense an urgent rush to pre - edict , you may test for pre - approving without first thawing the freezing . That means , if you ’re approved , you could bring through some money . If you ’re not , compensate to thaw the freeze and try again . ( I got pre - approved for my iPhone X without make to unthaw my credit , but I ca n’t say definitively that this will be everyone ’s experience ! )
If you really want to pre - order of magnitude as soon as possible , or you live in a DoS where it ’s free to temporarily sneak a freeze , then thaw the freezing and practice for pre - approval .
iPhone Upgrade Program: How do I trade in my current device?
If you are an existing member of the iPhone Upgrade Program and have an iPhone to switch out , you have two ways to return it .
The first is with Apple ’s Trade - in Kit . If you raise online or through the Apple Store iOS app , your new iPhone will be shipped directly to you , and Apple will also send out you a Trade - in Kit . Once your new sound arrives , apply the outfit to pop your old phone in the mail and send it back to Apple .
The second is in store . If you opt to pick up your new earphone from an Apple retail store , just bring your current iPhone with you and the Apple retail associates will take forethought of the residuum .
iPhone Upgrade Program: What if I have a device to trade in, but I’m not part of the program?
Apple has a different option for you : theTrade Up With Installments plan . Just bring your sometime gadget in to an Apple store or request a craft - in online , and you could get up to $ 260 towards a new iPhone . you may apply this to the up - front cost of the iPhone , or you may prefer for tighten monthly payments via your immune carrier .
iPhone Upgrade Program: Do I have to upgrade my iPhone?
Nope ! If you sleep together your current phone , you could keep it — you’ll keep make defrayal until you ’ve paid it off in full ( based on a 24 payment cycle ) , and then the sound is yours . Once you ’ve made your 24 defrayment on a single equipment , your iPhone Upgrade Program contract is staring .
If you decide you want to exit the iPhone Upgrade Program AND buy a new equipment , you could do that , too — just bring in your current iPhone to return to conclude out your declaration ( which you could do after 12 payments ) and then purchase your new iPhone in full from Apple , or through alternate financing from your carrier .
For more info…:
For even more on the iPhone Upgrade Program , check out out Apple ’s complete FAQ :
