Apple Card Monthly Installments

From what I have learned so far, Apple Card Monthly Installments is tied to having the Apple Card which lives in your Apple wallet. This payment method is only visible through your device which has the Apple Card in your wallet app. As far as I can tell, the Apple Store personnel cannot see this payment option on the iPads they use because they do not have your apple card in their wallet. Maybe in the future the store will be able to select your apple card (or enter it) and then be able to offer it. But for now, it seems you can only get this payment method through your own device.

As noted, you must also select a carrier for this option to be available (unlocked and SIM Free option is always a one-time payment) AND

1. your device must have the apple wallet app with your apple card (meaning the device has touch or facial ID)
2. The device must be IOS 13 minimum to use the Apple Store app, otherwise
3. with a device running an older IOS or Mac OS as noted above, you must use the Safari browser to buy through apple.com

Bottom line, this is an online selection and if the Apple Card Monthly Installment payment option does not appear in the apple store app or via apple.com in your safari browser, then something doesn't meet the above criteria.

You cannot buy the unlocked on the installments. You have to buy one of the ones assigned to a carrier.

Well, Apple iPhone support tried to help me purchase on installments. They instructed me to select one-time payment (because Apple Card Monthly Installments wasn't a listed option) then enter my Apple Cared credit card number for payment. They said it would automatically do the installments because I used the Apple Card. NOT TRUE. I was billed the full one time amount.

Several folks, including someone at an Apple Store said that installments are only available when a carrier is selected. That appears to be the case because I have only seen the Apple Card installment option after having selected a carrier.

But, maybe by now the Apple Store has some other options available.

Unfortunately, this information is not accurate. No one at apple knows how to sell you a phone using Apple card monthly installments. They don't know the difference between Apple iPhone payments (financed by citizens bank) and aApple card monthly installments (financed by your apple card through goldman sachs). I wanted an unlocked iPhone 11 with applecare and apple card monthly installments. Apple iPhone payments do not include AppleCare UNLESS you sign up for their iPhone upgrade program. There is no option to select monthly installments when using your apple card. I did an online chat with apple; they told me to select one-time payment and then use my apple card, but there was no installment option. Went to the apple store; they had no clue how to do installments with the apple card; didn't even know what I was talking about. Called their support line and they told me to use one time payment and it would automatically do installments because it was a December promotion on any purchase of an iPhone with the apple card. It was a LIE.

They do say that my older IOS phone will not display the installments but they also say that the statement will show the installments. Not true. Now, I get my December statement without any installment information and I'm stuck with a large one time payment.

Maybe it only works if you are already on upgraded technology and IOS versions...but they don't say that, they just say installments won't display.

Apple card monthly installments is not ready for public consumption. Just go through your carrier and if you want an unlocked phone like I did, the carrier will unlock it after it ia paid off.

When you select a carrier (in my case ATT), you are offered Apple iPhone Payments (Citizens One financing but no AppleCare can be added), Apple iPhone upgrade program (Citizens One financing, includes AppleCare but you must enroll in the upgrade program), One-time payment (AppleCare can be added) OR the ATT installment plan (ATT financing, locked phone until paid and AppleCare can be added).

According to the website, the phone is unlocked unless you pick the ATT installment plan...so, yes, I wanted an unlocked phone but it didn't really matter since I wanted to buy with my Apple Card with Monthly installments. If this meant it would have been locked until I paid it off and later had it unlocked...no big deal.

In any case, the bigger issue is that there is NO OPTION to select Apple Card Monthly Installments either at the apple.com website OR through the apple store iPhone app.

No one at the Apple Store knew how to sell me a phone using my apple card to get the monthly installments; they kept using their little iPads to select options from the same webpage I looked at and told me I had to use Apple iPhone payments (not apple card) and I would HAVE to sign up for the upgrade program to get AppleCare. I did not buy it at the store. Then, the Apple rep I spoke to on the phone walked me through the purchase online and said you have to select One-time payment and pay with the Apple Card to get monthly installments. When I told her that monthly installments wasn't listed as an option, she said it would automatically bill me in installments. Not True. It didn't.

Bottom line; I have yet to speak to anyone who knows how to sell one with Apple Card monthly installments or what keystrokes/selections you must choose on the website to do so.

My advice; just go with the carrier payment plans until Apple can figure out how to get their systems and services to match their advertising.

By the way, It is still and unlocked phone but you are getting a new sim (via the activation fee). The phone is only locked when you select a carrier financed payment option.

Yes, it is a deal with the Apple Card, but as you look at it, it has to do with making the purchase after making a carrier selection, not making the purchase with the carrier's financing deal. I made this clip from the Apple Store app to show the differences, using the Verizon selection. You would need to discuss the rest with Apple as to why it couldn't be done at the store itself. I'm just a user like you, I don't make the rules.

This is all the information available - Apple Card - Monthly Installments - Apple and here - How to view and pay Apple Card Monthly Installments - Apple Support

I hope it works out for you. In my case, they told me the only option would be to return the phone I purchased and re-purchase a new one using the Monthly Installments; but at the time they still couldn't tell me how to even get the monthly installments PLUS too much hassle.

Instead, If I pay the phone off in 6 months or less, I can use the 6% cash back I received to cover the interest charges on the Apple Card and break even. Six payments is a bit painful compared to 24 but I can make it work.

6% cash back? How did you get this? 6 hours at the Apple store - that program is a hot mess. They told me to call Goldman - only they could fix it, Goldman told me to talk to the Apple store manager - who was the one who pushed the call button on my phone?!?!

If anyone knows how to get a person who can help with this, please post. Such a hot mess, and only opened the card to get the installments - Then they ran round and round....Apple - Goldman - Verizon - full circle!

Thanks. I made the purchase on-line, using the apple store app. I did get military pricing, which involves a verify ID and then a note (after verification) saying you are returning the apple.com.

It was a replacement for a stolen, then broken phone, so I was already on the verizon contract/account. I just needed a phone. The apple card promotion is clear it is a credit card deal, NOT a carrier contract, so not sure why, if it is a credit card deal, it is so difficult to do. Purchased iPhone 11 THRU apple.com, pay verizon for the phone service, but apple for the phone. Why can it not do the installment.

Clearly not ready for prime time. So disappointed and frustrated.

This I don't know. But, presumably you are selecting the carrier with which you already have wireless service...not sure you can buy a phone and select a carrier for which you do not already have service because Apple is providing an activated sim card I think...and, they are charging your the carriers activation fee(s).

Not sure I understand why you would want to switch carriers after just paying a fee.

Maybe someone else can answer this question.

But, if you own your phone and it is unlocked, I think you can pretty much switch SIM's/carriers whenever you wish. Don't take my word for it though.

Completely agree - I will correct if someone from Apple comes thru, but it really appears they are flat out misleading everyone on their "at the check-out" statement. This is the same deal you can get from any carrier, they are just attaching their credit card to the auto-pay - do you think they intentionally insulting us or are they that unaware? And to add salt to the wound, Apple is promoting this as "transparency".....Here are their marketing quotes (unchanged, cut right from their site--I changed the print type) - as an "at the check-out promotion" does not require you to

It represents all the things Apple stands for. Like simplicity, transparency, and privacy.

Easily apply right at checkout.

If you already have Apple Card there’s no additional application. And if you don’t, you can apply for Apple Card in as little as a minute and use Apple Card Monthly Installments right away.2You get 3% Daily Cash back on the purchase price of your new iPhone. And you don’t have to wait two years to get it. Your Daily Cash is automatically added to your Apple Cash card in the Wallet app.3

Trade in your iPhone and pay even less per month.

Save on the new iPhone you want, instantly at checkout. Trade in your old iPhone and the purchase price — and your monthly installment payments — could be even lower.4 You don’t have to send in your iPhone first to find out what it’s worth.

Valid question. The main issue is that my husband’s phone service is with Cricket. His family gets such a great deal that they pay the phone bill for the adult kids still as an annual Christmas gift. I would like to use the card to get him a new phone with the monthly installments. I have Verizon, so I’m with one of the four carriers listed. He, unfortunately, is not. So it’s looking like our only solution will be to pay in full up front, If installments Can only be used with one of the four carriers. I was thinking that purchasing with a carrier but not using the sim might allow me to still purchase the phone but use installments.