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        ? Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. for eligible products purchased at Apple Store locations, apple.com (Opens in a new window), the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. View Products you can buy from Apple with Apple Card Monthly Installments (Opens in a new window) for more information about eligible products. Existing customers: See your Customer Agreement for your variable APR. As of January 1, 2026, the variable APR on new Apple Card accounts ranges from 17.49% to 27.74%. You must elect to use ACMI at checkout. If you buy an ACMI-eligible product with a one-time payment on Apple Card at checkout, that purchase is subject to your Apple Card’s variable APR, not the ACMI 0% APR. Taxes and shipping on items purchased using ACMI are subject to your Apple Card’s variable APR, not the ACMI 0% APR. In order to buy an iPhone with ACMI, you must select one of the following carriers (prepaid carrier plans are not supported): AT&T, Boost Mobile, T-Mobile, or Verizon. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carrier’s terms. ACMI is not available for purchases made at the following special storefronts or when using these discounts in-store at Apple: Apple Employee Purchase Plan; participating corporate Employee Purchase Programs; Apple at Work for small businesses; Government and Veterans and Military Purchase Programs; or on refurbished devices. The last month’s payment for each product will be the product’s purchase price, less all other payments at the monthly payment amount. ACMI is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See the Apple Card Customer Agreement (Opens in a new window) for more information about ACMI.

        * Financing available to qualified customers, subject to credit approval and credit limit, and requires you to select Apple Card Monthly Installments (ACMI) as your payment type at checkout at Apple. Financing terms vary by product. Taxes and shipping on items purchased using ACMI are subject to your card’s variable APR, not the ACMI 0% APR. ACMI is not available for purchases made at special storefronts or when using such special discounts in-store at Apple, except ACMI is available at the Education storefront and with the Education discount. The last month’s payment for each product will be the product’s purchase price, less all other payments at the monthly payment amount. ACMI is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See the Apple Card Customer Agreement (Opens in a new window) for more information about ACMI.

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        1 Testing conducted by Apple in August 2017 using preproduction iPhone X, iPhone 8, and iPhone 8 Plus units and software, and in August 2018 using preproduction iPhone XS, iPhone XS Max, and iPhone XR units and software, with accessory Apple USB-C Power Adapters (18W Model A1720, 29W Model A1540, 30W Model A1882, 61W Model A1718, 87W Model A1719). Testing conducted by Apple in August 2019 using preproduction iPhone 11, iPhone 11 Pro, and iPhone 11 Pro Max units and software and accessory Apple USB-C Power Adapters (18W Model A1720, 29W Model A1540, 30W Model A1882, 61W Model A1947, and 87W Model A1719). Testing conducted by Apple in February 2020 using preproduction iPhone SE (2nd generation) units and software and accessory Apple USB-C Power Adapters (18W Model A1720 and 30W Model A1882). Testing conducted by Apple in September 2020 using preproduction iPhone 12, iPhone 12 mini, iPhone 12 Pro, and iPhone 12 Pro Max units and software and accessory Apple USB-C Power Adapter (20W Model A2305). Fast-charge testing conducted with drained iPhone units. Charge time varies with environmental factors; actual results will vary. Testing conducted by Apple in August 2021 using preproduction iPhone 13 mini, iPhone 13, iPhone 13 Pro, and iPhone 13 Pro Max units and software and accessory Apple USB-C Power Adapter (20W Model A2305). Testing conducted by Apple in February 2022 using preproduction iPhone SE (3rd generation) units and software and accessory Apple USB-C Power Adapter (20W Model A2305). Testing conducted by Apple in August 2022 using preproduction iPhone 14, iPhone 14 Plus, iPhone 14 Pro, and iPhone 14 Pro Max units and software and accessory Apple USB-C Power Adapter (20W Model A2305). Fast-charge testing conducted with drained iPhone units. Testing conducted by Apple in August 2023 using preproduction iPhone 15, iPhone 15 Plus, iPhone 15 Pro, and iPhone 15 Pro Max units and software and accessory Apple USB-C Power Adapter (20W Model A2305). Fast-charge testing conducted with drained iPhone units. Charge time varies with settings and environmental factors; actual results will vary. Testing conducted by Apple in August 2024 using preproduction iPhone 16, iPhone 16 Plus, iPhone 16 Pro, and iPhone 16 Pro Max units and software, USB?C Charge Cable with Apple USB-C Power Adapter (20W Model A2305). Fast-charge testing conducted with drained iPhone units. Times measured from the appearance of the Apple logo as the unit started up. Charge time varies with settings and environmental factors; actual results will vary.

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