- DO I HAVE TO BUY MY IPHONE FROM APPLE TO PURCHASE APPLECARE UPGRADE
- DO I HAVE TO BUY MY IPHONE FROM APPLE TO PURCHASE APPLECARE FULL
- DO I HAVE TO BUY MY IPHONE FROM APPLE TO PURCHASE APPLECARE PLUS
You can buy the iPhone for anyone you want, but you're the one responsible for payments. Can I buy an iPhone for someone else on the iPhone Payments plan? You'll also need a valid U.S.-issued credit or debit card in order to enroll. Who is eligible?Ĭurrently, the iPhone Payments loan program is only available to U.S. You'll need to provide your name, address, date of birth, Social Security number and some other personal information. If you are unable to get this information, you can temporarily lift the freeze for all three agencies.
To find out which agency Citizens One will request your report from, call them at 1-88. You can request a credit freeze lift for a specific amount of time or for a specific agency, in this case, Citizens One Bank. 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). 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. 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.Ī credit freeze is a way for you to restrict access to your credit report to protect you from identity theft.
DO I HAVE TO BUY MY IPHONE FROM APPLE TO PURCHASE APPLECARE UPGRADE
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. Will there be a hard credit pull?Īpple' 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. Once you're approved for the loan, you can use your Apple Card as your monthly payment option, which gives you that sweet 3% cashback reward every time you make a payment. Can I use my Apple Card as a payment option?
DO I HAVE TO BUY MY IPHONE FROM APPLE TO PURCHASE APPLECARE PLUS
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. You can, however, make monthly payments for AppleCare+ now. In fact, if you want it, you have to purchase it separately from your loan.
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.
DO I HAVE TO BUY MY IPHONE FROM APPLE TO PURCHASE APPLECARE FULL
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). The iPhone Payments plan is a loan financing program that lets you make monthly payments across 24 months on an iPhone. So I can't upgrade every year on the iPhone Payments plan?Ĭorrect. 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. 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. In fact, if you want it, you have to purchase it separately, which you can do on installments now. On the iPhone Payments plan, you don't have to buy AppleCare+. It's just the cost of an iPhone with AppleCare+ divided by 24 months. 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. You have to pay the full loan (though you could pay the loan off early if you wanted to). You won't be able to trade it in for an upgrade after one year. 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. Also of note: so far, the iPhone Upgrade Program has only been open to Apple's very latest iPhone models, which currently means the iPhone 12.
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. 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. They are entirely different finance programs with different features and restrictions. On the surface, it may seem like the iPhone Upgrade Program and the iPhone Payments plan are the same, but they're not. Here's everything you need to know! How is Apple iPhone Payments different from the iPhone Upgrade Program? The iPhone Payments plan is different from the iPhone Upgrade program in two major ways: you're not trading in your iPhone to upgrade next year, and AppleCare+ isn't included.
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