- A note about credit freezes
- Any more questions?
- Apple card — monthly installments
- Buy ipad 10.2-inch
- Can i buy an iphone for someone else on the iphone payments plan?
- Can i get a sim-free iphone?
- Can i pay off my loan early?
- Can i trade in an old iphone?
- Do i have to get applecare with it?
- Do i have to pay anything upfront?
- Duet display
- How is apple iphone payments different from the iphone upgrade program?
- Is the cost of the carrier plan included in the loan installment?
- So i can’t upgrade every year on the iphone payments plan?
- What do i need to apply for the iphone payments program
- What if i want to cancel or switch my carrier service plan?
- What if i’m already on the iphone upgrade program?
- What if my loan isn’t approved?
- What is the interest rate?
- Who is eligible?
- Will there be a hard credit pull?
A note about credit freezes
If you’ve put a credit freeze on your credit report, there are a few things you should know about applying for your iPhone Payments loan.
A credit freeze is a way for you to restrict access to your credit report to protect you from identity theft. If you’ve put a freeze on your credit report, it doesn’t affect your credit score or keep you from being able to apply for loans. There are some caveats though.
When applying for a loan through the iPhone Payments plan for the first time, you can allow Citizens One run a credit check, but you’ll want to first temporarily lift the freeze specifically for the credit report agency Citizen One will request your report from (either Equifax, Experian, or TransUnion).
You can request a credit freeze lift for a specific amount of time or for a specific agency, in this case, Citizens One Bank.
To find out which agency Citizens One will request your report from, call them at 1-888-201-6306. If you are unable to get this information, you can temporarily lift the freeze for all three agencies.
Here are the numbers for the U.S. credit report agencies:
- Equifax — 1-800-349-9960
- Experian — 1‑888‑397‑3742
- TransUnion — 1-888-909-8872
You’ll need to provide your name, address, date of birth, Social Security number and some other personal information.
Any more questions?
Please let us know what questions you have about the iPhone Payments plan and we’ll find the answer and drop it into this FAQ as soon as possible.
Apple card — monthly installments
Buy ipad 10.2-inch
There are two SIM options for connecting your WiFi Cellular iPad model to a data plan: a physical SIM card or eSIM technology.* (Note: Wi-Fi iPad models cannot connect to cellular networks.)
Physical SIM card: All Wi-Fi Cellular iPad models have a physical nano-SIM tray that will hold a carrier nano-SIM card (also called 4FF SIM card). Your iPad may have a carrier SIM card already installed if you purchased it from a carrier. If not, you can contact your carrier to obtain an appropriate card for your iPad. Some iPad models also support an Apple SIM card. For more information, go to https://support.ipad-mobile.ru/en-us/HT203089.
eSIM technology: Newer Wifi Cellular iPad models include built-in eSIM technology that essentially acts as a digital SIM card. There are a few ways to activate an eSIM on your iPad, including downloading it right on the iPad itself, scanning a QR code, or using an app from a carrier. With eSIM, you can choose cellular data plans from select carriers in the U.S. and in more than 180 countries and regions around the world. For more information on setting up eSIM, go to https://support.ipad-mobile.ru/en-us/HT203089.
More information on iPad support for LTE networks by carrier and country or region
All iPad Wi-Fi Cellular models include a nano-SIM tray that supports a carrier SIM card.
Wi-Fi Cellular iPad models with embedded eSIM technology include: 12.9-inch iPad Pro (3rd and 4th generation), 11-inch iPad Pro (1st and 2nd generation), iPad Air (3rd and 4th generation), iPad (7th and 8th generation), and iPad mini (5th generation).
Wi-Fi Cellular iPad models with a physical Apple SIM card include: 12.9-inch iPad Pro (1st generation), iPad Air (2nd generation), iPad (5th and 6th generation), and iPad mini (3rd and 4th generation).
Wi-Fi Cellular iPad models with an embedded Apple SIM include: 12.9-inch iPad Pro (2nd generation), 10.5-inch iPad Pro, and 9.7-inch iPad Pro.
*Not all carriers support Apple SIM and eSIM. See your carrier for more details. Not available in China mainland. The eSIM technology works with iPad Pro 11-inch (2nd generation), iPad Pro 12.9-inch (4th generation), iPad Air (3rd and 4th generation), iPad (7th and 8th generation), and iPad mini (5th generation). Apple SIM works with iPad Pro 9.7-inch, iPad Pro 10.5-inch, iPad (5th and 6th generation), iPad Air 2, iPad mini 3, and iPad mini 4.
Can i buy an iphone for someone else on the iphone payments plan?
You can buy the iPhone for anyone you want, but you’re the one responsible for payments. If you want to get your kid or spouse the new iPhone, go for it! Just remember that you’re the one Citizens One will contact if the payments are late. It’s just like any loan.
Can i get a sim-free iphone?
Unfortunately not. The iPhone Payments plan is Apple’s financing option for buying an iPhone with a carrier plan. You’ll be buying an unlocked iPhone (the only locked iPhone that you can purchase through Apple right now is on the AT&T Installment plan), but you will be required to select a carrier plan to use for the next two years.
Can i pay off my loan early?
Though payments are automatically charged on a monthly basis, just like any loan, you can pay multiple payments in a single month or pay the entire amount off early. You’ll need to contact Citizens Bank directly to find out how to pay multiple payments or pay off your loan entirely.
Can i trade in an old iphone?
You sure can! You can trade in a phone as old as the iPhone SE for up to $30 off, all the way up to the iPhone 11 Pro Max for up to $500 off
Trade-in values for your old iPhone
- iPhone SE (First generation): Up to $30
- iPhone SE (Second generation): Up to $210
- iPhone 6: Up to $30
- iPhone 6 Plus: Up to $50
- iPhone 6s: Up to $60
- iPhone 6s Plus: Up to $80
- iPhone 7: Up to $100
- iPhone 7 Plus: Up to $140
- iPhone 8: Up to $140
- iPhone 8 Plus: Up to $210
- iPhone X: Up to $250
- iPhone XR: Up to $250
- iPhone XS: Up to $300
- iPhone XS Max: Up to $370
- iPhone 11: Up to $350
- iPhone 11 Pro: Up to $450
- iPhone 11 Pro Max: Up to $500
Do i have to get applecare with it?
Nope! One complaint I heard from some people interested in the iPhone Upgrade Program is that they’re forced to have AppleCare , but with the iPhone Payments plan, you don’t have to.
In fact, if you want it, you have to purchase it separately from your loan. You can, however, make monthly payments for AppleCare now.
Do i have to pay anything upfront?
Your first installment will include the first payment for the phone, plus all applicable taxes and fees. Your first installment will be processed on the day you buy your new iPhone.
Duet display
Duet Display is simply an app that acts as a second screen for your Mac or PC, but it’s note «simple». Developed by a team of ex-Apple engineers, Duet lets you interact with your Mac or PC on the touch level. You can perform pinch zooms and use two-finger scrolling as though you were working solely on your iPad.
Love using your Apple Pencil? Dynamite. You can actually use it with Duet Display, so that you’re essentially drawing on your Mac or PC.
How is apple iphone payments different from the iphone upgrade program?
On the surface, it may seem like the iPhone Upgrade Program and the iPhone Payments plan are the same, but they’re not. They are entirely different finance programs with different features and restrictions.
The iPhone Upgrade program allows you to begin a sort-of leasing program with Apple, wherein you can trade in your current iPhone and upgrade to a new one in as early as six months with fees, or one year without additional fees. If, after two years, you want to upgrade, you can, but you don’t have to trade in the iPhone you’ve been using on the iUP, it’s yours to keep. Also of note:
With the iPhone Payments plan, you’re simply taking out a two-year loan on an iPhone with a carrier plan, and the loan is done through Apple’s financial collaborator, Citizens One, the same institution that finances the iPhone Upgrade Program. You won’t be able to trade it in for an upgrade after one year. You have to pay the full loan (though you could pay the loan off early if you wanted to).
On the iPhone Upgrade Program, AppleCare is folded into the cost, so your monthly payments are slightly higher, though you’re not paying any fees. It’s just the cost of an iPhone with AppleCare divided by 24 months.
On the iPhone Payments plan, you don’t have to buy AppleCare . In fact, if you want it, you have to purchase it separately, which you can do on installments now.
If you just want an iPhone, and don’t need AppleCare and don’t plan to upgrade every year, or even have a plan for future iPhone upgrading, the iPhone Payments plan will work for you.
One final note: the iPhone SE (2020), iPhone 11, and iPhone XR are not eligible for the iPhone Upgrade Program, so if that’s the phone you’re buying, the iPhone Payments Plan is what you want.
Is the cost of the carrier plan included in the loan installment?
No. The iPhone Payments plan only covers the cost of the iPhone. You’ll pay for the carrier service separately and directly through your carrier.
So i can’t upgrade every year on the iphone payments plan?
Correct. The iPhone Payments plan is a loan financing program that lets you make monthly payments across 24 months on an iPhone. Even if you get rid of the iPhone a year or the day after you’ve made your final payment, you must pay the full amount (though you can pay the loan off early).
What do i need to apply for the iphone payments program
As mentioned above, you must be a U.S. resident over the age of 18 and you must have a valid U.S.-issued credit or debit card. Pre-paid cards are not accepted.
You’ll also need to make sure to temporarily unfreeze your credit report if you’ve frozen it.
When you apply, you’ll need to choose a carrier. If you already have a carrier account and want to add your new iPhone to the plan, you’ll need your carrier account information, including your account PIN if you’re with Verizon, so that Apple can confirm your eligibility.
If you don’t have it memorized, you should also have your social security number on hand for the credit approval process. You’ll be asked to provide some information about yourself, such as your address, phone number, and annual income.
What if i want to cancel or switch my carrier service plan?
If you decide, within the 24 months, that you want to switch carriers, you can’t take your iPhone Payments loan with you. You’ll have to pay the full balance of the loan in order to get out of your carrier plan.
So choose wisely, my young Padawan.
What if i’m already on the iphone upgrade program?
You can’t transfer the payment of the iPhone on your iPhone Upgrade Program plan to the iPhone Payments plan. If you’re in the middle of your 24-month contract on the iPhone Upgrade Program, I recommend you finish off the program unless you’re willing to either pay off what you owe for the iPhone on the iPhone Upgrade Program in its entirety or carry two different installment plans at the same time (one for the iPhone Upgrade Program and one for the iPhone Payments plan). The latter would mean you’d have two phones.
What if my loan isn’t approved?
Citizens One Bank may decline your loan request for any reason. If that happens, the Bank may send you a letter detailing the reasons why. You can also call Citizens One at 1-888-201-6306 for questions about your loan or decline of one.
What is the interest rate?
Zero percent financing, my friend. That’s right. You won’t pay more than the actual cost of the iPhone plus taxes (through Apple), as if you were paying for it with cash upfront.
Who is eligible?
Currently, the iPhone Payments loan program is only available to U.S. residents over the age of 18.
You’ll also need a valid U.S.-issued credit or debit card in order to enroll.
Will there be a hard credit pull?
Apple’ states that «a credit check is required,» but doesn’t give a lot of detail as to whether it’s a soft or hard pull on your credit report. If it’s anything like the iPhone Upgrade Program, however, it’ll be a soft pull until Citizens One determines it needs a deeper credit check.
