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class="ac-ln-menu-link current" role="link" aria-disabled="true" aria-current="page" data-analytics-title="monthly-installments">Monthly Installments</span> </li> <li class="ac-ln-menu-item"> <a href="/web/20210614052202/https://www.apple.com/apple-card/how-to/" class="ac-ln-menu-link" data-analytics-title="how-to">How-To Videos</a> </li> </ul> </div> <div class="ac-ln-actions"> <div class="ac-ln-action ac-ln-action-menucta" aria-hidden="true"> <label for="ac-ln-menustate" class="ac-ln-menucta"> <span class="ac-ln-menucta-chevron"></span> </label> </div> <div class="ac-ln-action ac-ln-action-button"> <a class="ac-ln-button ac-ln-button-apply" href="https://web.archive.org/web/20210614052202/https://wallet.apple.com/apple-card/setup/feature/ccs?referrer=cid%3Dapy-200-100001" data-analytics-title="apply now" aria-label="apply now for apple card" data-rid-relay="{"287":"referrer"}" data-analytics-exit-link> Apply now <span class="ac-ln-action-product"></span> </a> </div> </div> </div> </div> </div> </nav> <label id="ac-ln-curtain" for="ac-ln-menustate"></label> <script type="text/javascript" src="/web/20210614052202js_/https://www.apple.com/ac/localnav/5/scripts/ac-localnav.built.js"></script> <main id="main" class="main" role="main" data-page-type="monthly-installments"> <section class="section section-hero no-pad-bottom" data-analytics-section-engagement="name:hero"> <div class="section-content no-pad"> <div class="row hero-copy"> <h1 class="bg-gradient typography-acmi-hero-headline large-12 medium-11 medium-offset-1 small-offset-0" data-text-zoom-max="1.4">Pay for your new<br class="small"/> Apple products<br class="small"/> over time,<br class="small"/> interest‑free</h1> <p class="typography-acmi-hero-eyebrow large-12 medium-10 medium-offset-1 small-12 small-offset-0">when you choose to<br class="small"/> check out with<br class="large"/><br class="medium"/> Apple Card<br class="small"/> Monthly Installments.<sup class="footnote footnote-number"><a href="#footnote-3" aria-label="Footnote 1">1</a></sup></p> <figure class="hero-image"></figure> </div> <div class="hero-features"> <div class="feature-item item-0" data-component-list="TriggerAnimation" data-anim-keyframes="[{"start": "a0t - 95vh", "end": "a0b"}]"> <div class="feature-keyline"></div> <div class="features-copy-block "> <figure class="feature-icon icon-low-monthly"></figure> <p class="feature-headline typography-headline-reduced" data-text-zoom-max="1.4">Low monthly payments. Interest‑free.</p> </div> </div> <div class="feature-item item-1" data-component-list="TriggerAnimation" data-anim-keyframes="[{"start": "a0t - 95vh", "end": "a0b"}]"> <div class="feature-keyline"></div> <div class="features-copy-block "> <figure class="feature-icon icon-daily-cash"></figure> <p class="feature-headline typography-headline-reduced" data-text-zoom-max="1.4">Get 3% Daily Cash back. All up front.</p> </div> </div> <div class="feature-item item-2" data-component-list="TriggerAnimation" data-anim-keyframes="[{"start": "a0t - 95vh", "end": "a0b"}]"> <div class="feature-keyline"></div> <div class="features-copy-block "> <figure class="feature-icon icon-trade-in"></figure> <p class="feature-headline typography-headline-reduced" data-text-zoom-max="1.4">Trade in your current device. Pay even less per month.<sup class="footnote footnote-number"><a href="#footnote-4" aria-label="Footnote 2">2</a></sup></p> </div> </div> <div class="feature-item item-3" data-component-list="TriggerAnimation" data-anim-keyframes="[{"start": "a0t - 95vh", "end": "a0b"}]"> <div class="feature-keyline"></div> <div class="features-copy-block "> <figure class="feature-icon icon-easy-apply"></figure> <p class="feature-headline typography-headline-reduced" data-text-zoom-max="1.4">Choose Apple Card Monthly Installments when you check out.</p> </div> </div> </div> </div> </section> <section class="section section-how-it-works background-alt" data-analytics-section-engagement="name:how it works"> <div class="section-borders" data-component-list="BorderComponent"> <div data-scale="{"start": "a0b - 50vh", "end":"a0b - 10vh"}"> <div class="white-border left-border"></div> <div class="white-border right-border"></div> </div> </div> <div class="section-content small-content" data-component-list="StickyGallery"> <h2 class="large-12 medium-10 medium-offset-1 small-12 small-offset-0 bg-gradient typography-hiw-section-headline hiw-headline">How does Apple Card Monthly Installments work?</h2> <div class="container row"> <div class="sticky-content large-5"> <div class="device-container"> <figure class="image-iphone-hardware" data-anim-lazy-image></figure> <figure class="image-screen-daily-cash screen" data-anim-lazy-image></figure> <figure class="image-screen-balance screen" data-anim-lazy-image></figure> <figure class="image-screen-installments screen" data-anim-lazy-image></figure> <figure class="image-screen-checkout screen" data-anim-lazy-image></figure> <figure class="image-screen-wallet screen" data-anim-lazy-image></figure> </div> </div> <div class="hiw-gallery-copy large-6 large-offset-1 small-12 small-offset-0"> <div class="copy-block"> <h3 class="typography-hiw-gallery-headline">Apple Card <br/>Monthly Installments<br class="small"/> is an option when you<br class="small"/> pay with Apple Card.</h3> <p class="typography-hiw-gallery-body">Apple Card lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it right away.<sup class="footnote footnote-number"><a href="#footnote-5" aria-label="Footnote 3">3</a></sup></p> <div class="wallet-copy-container"> <figure class="image image-wallet" aria-hidden="true"></figure> <p class="typography-hiw-gallery-caption wallet-caption">To apply, open the Wallet app <br class="small"/>on your iPhone and tap<span class="visuallyhidden"> plus sign</span></p> </div> <button aria-label="apply for apple card" class="button button-apply" data-apply-action="https://wallet.apple.com/apple-card/setup/feature/ccs?referrer=" data-referrer="cid%3Dapy-200-100002" data-analytics-click="prop3:click | apply for apple card" data-analytics-title="click | apply for apple card" data-rid-relay="{"287": "referrer"}">Apply for Apple Card</button> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-wallet screen-small"></figure> </div> </div> <div class="copy-block" data-change-screen> <h3 class="typography-hiw-gallery-headline">Choose Apple Card Monthly Installments when you shop at Apple.</h3> <p class="typography-hiw-gallery-body">Whether you shop on apple.com, on the Apple Store app, or at an Apple Store, simply choose Apple Card Monthly Installments as your payment option when you make your purchase.</p> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-checkout screen-small"></figure> </div> </div> <div class="copy-block" data-change-screen> <h3 class="typography-hiw-gallery-headline">Easily view your installments in the <br class="small"/>Wallet app.</h3> <p class="typography-hiw-gallery-body">Your monthly installments live alongside your everyday Apple Card purchases in the Wallet app. So it’s easy to see your installments, remaining balance, and payment history.</p> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-installments screen-small"></figure> </div> </div> <div class="copy-block" data-change-screen> <h3 class="typography-hiw-gallery-headline">One balance to track and pay.</h3> <p class="typography-hiw-gallery-body">Your monthly installment is automatically added to the minimum payment due on your Apple Card — including any associated AppleCare+ coverage. If you share your card with a Co‑Owner,<sup class="footnote footnote-number"><a href="#footnote-6" aria-label="Footnote 4">4</a></sup> you’re both responsible for the monthly installment payment. And if you or your Apple Card Family members<sup class="footnote footnote-number"><a href="#footnote-7" aria-label="Footnote 5">5</a></sup> have purchased multiple products, you’ll still only have one balance to pay.<sup class="footnote footnote-number"><a href="#footnote-8" aria-label="Footnote 6">6</a></sup></p> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-balance screen-small"></figure> </div> </div> <div class="copy-block" data-change-screen> <h3 class="typography-hiw-gallery-headline">Get Daily Cash <br class="medium"/>you can use right away.</h3> <p class="typography-hiw-gallery-body">Everyone in the family gets 3% Daily Cash back<sup class="footnote footnote-number"><a href="#footnote-9" aria-label="Footnote 7">7</a></sup> on their own purchases of Apple products — all up front. It’s deposited to your Apple Cash card in the Wallet app right away, and it’s ready to use whenever and however you want.<sup class="footnote footnote-number"><a href="#footnote-10" aria-label="Footnote 8">8</a></sup></p> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-daily-cash screen-small"></figure> </div> </div> </div> </div> </div> </section> <section class="section section-featured-products" data-analytics-section-engagement="name:featured products"> <div class="section-content no-pad"> <h2 class="typography-hiw-section-headline section-headline bg-gradient large-12">Featured products.</h2> <div class="product-table row large-12 large-centered"> <div class="content-row"> <div class="content-column large-4 small-6"> <div class="content-wrapper"> <figure class="product-image image-option-iphone"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">iPhone</h3> <p class="description typography-featured-products-description"> <span aria-label="From 399 dollars or 16 dollars and 62 cents per month for 24 month with trade-in" role="text">From $399 or<br/>$16.62/mo. for 24 mo.<br/>with trade‑in</span><sup class="footnote footnote-number"><a href="#footnote-11" aria-label="Footnote 9">9</a></sup> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper"> <figure class="product-image image-option-mac"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">Mac</h3> <p class="description typography-featured-products-description"> <span aria-label="From 999 dollars or 83 dollars and 25 cents per month for 12 months" role="text">From $999 or<br/>$83.25/mo. for 12 mo.</span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol">*</a></span> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper"> <figure class="product-image image-option-ipad"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">iPad</h3> <p class="description typography-featured-products-description"> <span aria-label="From 329 dollars or 27 dollars and 41 cents per month for 12 months" role="text">From $329 or<br/>$27.41/mo. for 12 mo.</span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol">*</a></span> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper"> <figure class="product-image image-option-watch"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">Apple Watch</h3> <p class="description typography-featured-products-description"> <span aria-label="From 199 dollars or 8 dollars and 29 cents per month for 24 month" role="text">From $199 or<br/>$8.29/mo. for 24 mo.</span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol">*</a></span> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper"> <figure class="product-image image-option-airpods"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">AirPods</h3> <p class="description typography-featured-products-description"> <span aria-label="From 159 dollars or 26 dollars and 50 cents per month for 6 months" role="text">From $159 or<br/>$26.50/mo. for 6 mo.</span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol">*</a></span> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper"> <figure class="product-image image-option-tv"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">Apple TV 4K</h3> <p class="description typography-featured-products-description"> <span aria-label="From $179 or $29.83/mo. for 6 mo." role="text">From $179 or<br/>$29.83/mo. for 6 mo.</span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol">*</a></span> </p> </div> </div> </div> <div class="button-row"> <a aria-label="see all eligible products" href="https://web.archive.org/web/20210614052202/https://support.apple.com/kb/HT211204" data-analytics-click="" data-analytics-title="support | see all eligible products" data-analytics-exit-link="true" class="button button-gray button-size">See all eligible products</a> </div> </div> </div> </section> <section class="section section-router" data-component-list="RevealRouter FocusHandler" data-anim-scroll-group="Router"> <div class="router-container" data-analytics-activitymap-region-id="router"> <div class="router"> <div class="section-content" data-y data-fade="{"start": "a0b - 75vh", "end":"a0b - 70vh", "breakpointMask":"S", "disabledWhen": ["text-zoom"]}" data-analytics-section-engagement="name:get started"> <figure class="image-router" data-scale data-anim-lazy-image></figure> <div class="row"> <div class="column large-10 large-offset-1 large-centered small-12 small-centered" data-fade="{"start": "a0b - 75vh", "end": "a0b - 55vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}"> <h2 class="router-headline typography-router-headline">Get started<br/> with Apple Card.</h2> </div> </div> <div class="row"> <div class="column large-10 medium-9 small-12 large-centered"> <p class="router-subhead typography-router-subhead" data-fade="{"start": "a0b - 80vh", "end": "a0b - 70vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}">Apply in minutes to see if you are approved with no impact to your credit score.<span class="footnote footnote-supglyph"><a href="#footnote-2" aria-label="Footnote ** symbol">**</a></span></p> </div> </div> <div class="row"> <a href="https://web.archive.org/web/20210614052202/https://wallet.apple.com/apple-card/setup/feature/ccs?referrer=cid%3Dapy-200-100003" aria-label="apply now for apple card" class="button button-apply button-light button-just-right" data-analytics-title="apply now" data-rid-relay="{"287":"referrer"}" data-analytics-exit-link data-fade="{"start": "a0b - 85vh", "end": "a0b - 75vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}">Apply now</a> </div> </div> </div> <div class="scrim"></div> </div> </section> </main>  <footer id="ac-globalfooter" class="no-js" lang="en-US" dir="ltr" data-analytics-region="global footer" role="contentinfo" aria-labelledby="ac-gf-label"> <div class="ac-gf-content"> <h2 class="ac-gf-label" id="ac-gf-label">Apple Footer</h2> <section class="ac-gf-sosumi" aria-label="Footnotes"> <ul> <li id="footnote-1"><small>*</small> Monthly pricing is available when you select Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple, and is subject to credit approval and credit limit. Financing terms vary by product. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the <a href="https://web.archive.org/web/20210614052202/https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf">Apple Card Customer Agreement</a> for more information. The last month’s payment for each product will be the product's purchase price, less all other payments at the monthly payment amount.</li> <li id="footnote-2"><small>**</small> Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.</li> </ul> <ol> <li id="footnote-3">Apple Card Monthly Installments (ACMI) is a payment option available to select at checkout for certain Apple products purchased at Apple Store locations, <a href="https://web.archive.org/web/20210614052202/https://www.apple.com/">apple.com</a>, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See <a href="https://web.archive.org/web/20210614052202/https://support.apple.com/kb/HT211204">https://support.apple.com/kb/HT211204</a> for more information about eligible products. Variable APRs for Apple Card other than ACMI range from 10.99% to 21.99% based on creditworthiness. Rates as of April 1, 2020. If you choose the pay-in-full or one-time-payment option for an ACMI eligible purchase instead of choosing ACMI as the payment option at checkout, that purchase will be subject to the variable APR assigned to your Apple Card. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the <a href="https://web.archive.org/web/20210614052202/https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a> for more information. 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. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Sprint, Verizon, or T‑Mobile.</li> <li id="footnote-4">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.</li> <li id="footnote-5">Subject to credit approval.</li> <li id="footnote-6">Coming July 2021: You will be able to invite another Apple Card owner to combine credit limits and form one co-owned account in an upcoming iOS release. Each co-owner is individually liable for all balances on the co-owned Apple Card including amounts due on the existing co-owner’s account before the accounts are merged. Each co-owner will be reported to credit bureaus as an owner on the account. In addition, co-owners will have full visibility into all account activity and each co-owner is responsible for the other co-owner’s instructions or requests. Co-ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of a new co-owner is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, see <a href="https://web.archive.org/web/20210614052202/https://support.apple.com/en-us/HT209218">https://support.apple.com/en-us/HT209218</a>. Either co-owner can close the account at any time which may negatively impact your credit and you will still be responsible for paying all balances on the account. For details on account sharing options including some of the risks and benefits, see <a href="https://web.archive.org/web/20210614052202/https://support.apple.com/en-us/HT212020">https://support.apple.com/en-us/HT212020</a>.</li> <li id="footnote-7">Apple Card Family participants and co-owners do not need to have a familial relationship, but must be part of the same Apple Family Sharing group.</li> <li id="footnote-8">Apple Card minimum payments are due at the end of the month.</li> <li id="footnote-9">An Apple Cash card is required. Participants under 18 on Apple Card Family accounts must have the family organizer of their Apple Cash Family set up their own Apple Cash card. If you do not have an Apple Cash account, Daily Cash can be applied as a credit on account owner’s statement balance by contacting Goldman Sachs Bank USA. The Apple Cash card is issued by Green Dot Bank, Member FDIC.</li> <li id="footnote-10">An Apple Cash card is required. The Apple Cash card is issued by Green Dot Bank, Member FDIC. See <a href="/web/20210614052202/https://www.apple.com/apple-pay/">apple.com/apple-pay</a> for more information. If you do not have an Apple Cash account, Daily Cash can be applied by you as a credit on your statement balance. Daily Cash is subject to exclusions, and additional details apply. See the <a href="https://web.archive.org/web/20210614052202/https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a> for more information.</li> <li id="footnote-11">Trade-in: iPhone SE pricing based on trade‑in of iPhone 8 in good condition. Additional trade‑in values require purchase of a new iPhone SE, subject to availability and limits. 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. Monthly pricing: Available to qualified customers and requires 0% APR, 24‑month installment loan with Citizens One or Apple Card Monthly Installments and iPhone activation with AT&T, T‑Mobile, or Verizon for purchases in an Apple Store. Taxes and shipping not included. Additional Apple Card Monthly Installments terms are in the <a href="https://web.archive.org/web/20210614052202/https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Customer Agreement</a>. Additional iPhone Payments terms are <a href="https://web.archive.org/web/20210614052202/https://www.apple.com/legal/sales-support/iphoneinstallments_us/">here</a>.</li> </ol> <ul> <li>To access and use all the features of Apple Card, you must add Apple Card to Wallet on an iPhone or iPad with the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install.</li> <li>Software is subject to change.</li> <li>Learn more about how Apple Card applications are evaluated at <a href="https://web.archive.org/web/20210614052202/https://support.apple.com/kb/HT209218">support.apple.com/kb/HT209218</a>.</li> <li>Available for qualifying applicants in the United States.</li> <li>Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.</li> </ul> </section> <nav class="ac-gf-breadcrumbs" aria-label="Breadcrumbs" role="navigation"> <a href="/web/20210614052202/https://www.apple.com/" class="home ac-gf-breadcrumbs-home"> <span class="ac-gf-breadcrumbs-home-icon" aria-hidden="true"></span> <span class="ac-gf-breadcrumbs-home-label">Apple</span> <span class="ac-gf-breadcrumbs-home-chevron"></span> <span class="ac-gf-breadcrumbs-home-mask"></span> </a> <div class="ac-gf-breadcrumbs-path"> <ol class="ac-gf-breadcrumbs-list" vocab="http://schema.org/" typeof="BreadcrumbList"> <li class="ac-gf-breadcrumbs-item" 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