Unlocked iPhone Apple Card Financing

Why is Apple ending unlocked iPhone apple Card financing on August 15th? This was a big perk for signing up for the Apple Card. I usually finance my phone through a carrier anyways, but what happens if my phone is lost or stolen and I don't have the financial means to up front buy a new one? Please consider keeping the option to finace an unlocked iphone through the Apple Card for customer satisfaction.

Posted on Jun 19, 2023 8:18 AM

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26 replies

Sep 20, 2023 6:00 PM in response to gabriel_ags

Upon the change to the buying of an iPhone unlocked with same as cash to be limited to those who use the 3 big carriers….you are discriminating against those of us who choose an alternate carrier due to costs. Not everyone needs a “big” plan with a high cost. We are a small business that switched to consumer cellular with half the costs for a sufficient plan. In coordination, not all of us can easily just lay out 1000.00 whether it be planned upgrade, or replacement due to damage or phone failure. Apple just isolated those who need a payment plan in order to be affordable. The timing couldn’t be worse when prices of necessities are at an all time high. Smart phones used to be an option, but they are becoming a necessity in life and business. Yes you can live without, but the world revolves around them now. Extremely disappointed in Apple. I actually called and canceled my Apple Card bc of this poor decision. No reason for it now. I hope many others do the same and they realize the dollars they stand to lose. I’ve never had anything but an iPhone, but it may be time to change.

Sep 22, 2023 11:46 AM in response to jimn78

I agree. The whole point of getting the Apple Card was to buy an iPhone on monthly payments since I have an unlocked iPhone. So since I need to buy the phone upfront, I need to have the full amount, hence the need to finance without interest. Then I go to buy the iPhone 14 and find out, nope you can’t buy an unlocked version for some reason on 0% monthly installments. Very disappointed. My phone service costs like 1/3 of what the big 3 companies charge a month.

Sep 22, 2023 2:02 PM in response to Jeff Donald

I’m just venting I guess. I want there to be a way to buy a new iPhone 15 unlocked with monthly payments and 0% interest. I was reading some of the other options in this thread. I guess one possibility would be to get a new credit card with an introductory 0% apr. That seems annoying though. It’s hard saving up $1200+ for a new phone. I get up to like $400 or $500 and find something else to spend it on. 😟

Sep 22, 2023 4:51 PM in response to Blaaaahhh

The >problem< with being a time traveler is what was true (or believed to be true) may not be the actual state of affairs today.


Let’s look at this and see what we can maybe accomplish. So, Apple Card is a co-branded card. Apple isn’t really a bank and your Apple Card Mastercard was issued by Goldman Sachs Bank. They also are the ones financing all the ACMI plans. Did it occur to you to call their support team and talk to them about your frustrations?


Now, we’ve got a plan. How about you call (no chatting) and ask if you purchased an iPhone in full, could they set it up on interest free installments after the transaction is no longer pending? What have you got to lose? The worst thing they can do is say no. Well that was door number 1 to begin with. Next worst thing is you and support team member become friends (door number 2) and the least worst thing is they say sure, no problem (door number 3). At that point, ask for a name and implement your plan.


What happens if they can’t after I purchased the item? You have 14 days to return the item for a full refund.


Questions? OK, what’ll it be, door number 1, 2 or 3?



Unlocked iPhone Apple Card Financing

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