I purchased iPhones with the Apple Card. Does 24 month free financing happen automatically?

I made a purchase of three iPhone 15s with the understanding that we get 24 months free financing on Apple products. How do I know interest will not be charged when I pay monthly?

Posted on Jan 6, 2024 8:48 AM

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Posted on Jan 6, 2024 9:02 AM

The option for interest free financing requires you made the purchase with an Apple Card Mastercard and you requested the interest free financing plan (ACMI — Apple Card Monthly Installments) at the time of purchase. It cannot be done automatically, you must be a card holder and request ACMI.


Products you can buy from Apple with Apple Card Monthly Installments - Apple Support


Apple Card - Monthly Installments - Apple


How to view and pay Apple Card Monthly Installments - Apple Support


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Question marked as Top-ranking reply

Jan 6, 2024 9:02 AM in response to Marc282

The option for interest free financing requires you made the purchase with an Apple Card Mastercard and you requested the interest free financing plan (ACMI — Apple Card Monthly Installments) at the time of purchase. It cannot be done automatically, you must be a card holder and request ACMI.


Products you can buy from Apple with Apple Card Monthly Installments - Apple Support


Apple Card - Monthly Installments - Apple


How to view and pay Apple Card Monthly Installments - Apple Support


Jan 6, 2024 9:15 AM in response to Marc282

Maybe. Please contact an Apple Card Specialist at Goldman Sachs Bank and explain that you requested ACMI and you want to verify that you’re setup. If you’re not setup for ACMI ask the specialist to setup an installment plan for you. You’re at their mercy, so see what they say. If the first contact says no you might try calling back and getting a different specialist. GS is usually very accommodating but changes happen.


CONTACTING — Goldman Sachs Bank 



  • Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.


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I purchased iPhones with the Apple Card. Does 24 month free financing happen automatically?

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