The iPhone Upgrade Program doesn’t require that you purchase AppleCare+ with Theft and Loss to participate.
Program available for iPhone 16 and iPhone 16 Pro. Available to qualified customers with a credit check and eligible U.S. credit or debit card. Requires a 24-month installment loan with a 0% APR from Citizens Bank, N.A. (subject to any interest, fees, or other costs payable to the card issuer), purchase of AppleCare+ for iPhone, and iPhone activation with one of these national carriers: AT&T, Boost Mobile, T-Mobile, or Verizon. Sales tax and any applicable fees due at time of purchase. Full terms apply.
Trade-in values will vary based on the condition, year, and configuration of your eligible trade‑in device. Not all devices are eligible for credit. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. Trade‑in value may be applied toward qualifying new device purchase, or added to an Apple Gift Card. Actual value awarded is based on receipt of a qualifying device matching the description provided when estimate was made. Sales tax may be assessed on full value of a new device purchase. In‑store trade‑in requires presentation of a valid photo ID (local law may require saving this information). Offer may not be available in all stores, and may vary between in‑store and online trade‑in. Some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse or limit quantity of any trade‑in transaction for any reason. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Restrictions and limitations may apply.
AppleCare+ for iPhone provides coverage for unlimited incidents of accidental damage from handling. Each incident is subject to a service fee of $29 for screen or back glass damage, and $99 for other accidental damage, plus applicable tax. The back glass damage service fee is only available for iPhone 12, iPhone 13, iPhone 14, iPhone 15, and iPhone 16 models.
You are not required to purchase AppleCare+ with Theft and Loss to participate in the iPhone Upgrade Program. If you select it, the full cost of the plan will be spread out over 24 monthly payments. AppleCare+ with Theft and Loss requires you to have the Find My feature enabled on your device at the time it is lost or stolen. AppleCare+ with Theft and Loss provides unlimited incidents of accidental damage protection and up to two incidents of theft or loss coverage every 12 months. Each incident is subject to a service fee of $29 for screen or back glass damage, $99 for other accidental damage, or a deductible of $149 for theft or loss.
AppleCare+ benefits are separate from and in addition to the Apple Limited Warranty and any legal rights provided by consumer protection laws in your jurisdiction. AppleCare+ is subject to acceptance of the Terms and Conditions. Purchase of either plan is not required to purchase iPhone.
The company obligated under AppleCare+ in the United States is AppleCare Service Company, Inc., an Arizona corporation and wholly owned subsidiary of Apple Inc., doing business in Texas as Apple CSC Inc.
AppleCare+ with Theft & Loss is an optional device protection program that provides combined benefits under AppleCare+ and a Theft & Loss insurance policy. Theft and Loss insurance coverage is underwritten by New Hampshire Insurance Company (NAIC# 23841; Principal Address 175 Water Street, 18th Floor, New York, NY 10038; Phone (212) 770-7000) and is sold by AppleCare Service Company, Inc. (in California d/b/a Brogdan Insurance Services Lic#OL00763; Iowa License #26) and is sold in NY by Apple Inc. (License #926146). Theft and loss insurance coverage is provided under a group policy issued to AppleCare Service Company, Inc. in all states, except for New York where the policy is issued to Apple Inc. Coverage is subject to certain terms, conditions, and limitations. Theft and Loss can be purchased separately. Please refer to the certificate of coverage for your state for complete details, which can be found at apple.com/legal/applecare/applecareplus/theftandloss/.
◊ 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. See support.apple.com/kb/HT211204 (Opens in a new window) for more information about eligible products. APR ranges may vary based on when you accepted an Apple Card. Cardholders who accept an Apple Card on and/or after August 1, 2024: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. Rates as of August 1, 2024. Existing cardholders: See your Customer Agreement for applicable rates and fee. If you buy an ACMI-eligible product by choosing to pay in full with Apple Card (instead of using ACMI), that purchase is subject to the Apple Card variable APR, not 0% APR. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. When you buy an iPhone with ACMI, you’ll need to select AT&T, Boost Mobile, T-Mobile, or Verizon as your carrier when you check out. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. ACMI is not available for purchases made online at the following special stores: 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 financing is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See support.apple.com/kb/HT211204 (Opens in a new window) for information about upcoming changes to ACMI financing. See the Apple Card Customer Agreement (Opens in a new window) for more information about ACMI financing.
To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.
If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.
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