The iPhone Upgrade Program allows customers to get a new iPhone annually with AppleCare+ included for a monthly fee. It essentially provides a 0% APR, 20 or 24-month loan, usually with an upfront payment. After 11-12 payments, users can upgrade to the latest model, provided they trade in their current device in good condition.

Understanding the Context

So you configure your iPhone then at checkout you can pay in full, with a carrier deal, over 2 years with Apple Card or the iPhone Upgrade Program. Anyone who has done it more recently please feel free to correct. You can have the iPhone delivered or pick it up in an Apple store. As for the financials, it depends of course.

Key Insights

I’ve always gotten an unlocked iPhone on the upgrade program…. Trying to get my preorder set up and it’s saying you have to select one of their 4 carriers for the upgrade program or Apple financing deals!? I have Spectrum mobile…. Do I really have no options for a launch day financed phone now!? iPhone 15 Pro is $49.91 which is $676 with tax iPhone 15 is $39.50 which is $535 with tax from what I remember Is it worth it and can you use an Apple gift card $300 to pay the monthly for the iPhone 15 under the upgrade program?

Final Thoughts

Hi All, Thinking of doing the iPhone Upgrade program and getting an Iphone 16 Max pro. Currently I am on T-Mobile which isn't an issue, but I was thinking of driving down to Delaware to purchase the phone and was wondering if I can do the iPhone Upgrade Program while on Mint? I know of some... "iPhone Upgrade Program We never received your iPhone. Order Number: W1304****** Because you didn’t trade in your iPhone, we are unable to complete the trade-in process. The associated loan on this iPhone will resume." I can't find my current loan number and Citizens One is showing my account as closed.

Looks like the current isn't on there ... If you buy a new phone every year, maybe. But even then, the iPhone Upgrade Program forces you into buying Apple Care+, requires credit checks, and you’d save money if you went through the inconvenience of reselling your iPhone every year instead. Hi all.