How can I order the new iPhone 16 unlocked by financing??

Axel Foley wrote:

When you purchase an iPhone directly from Apple, then that iPhone will be unlocked even if you buy it associated with a carrier. You can confirm this by contacting your nearest Apple Store or contacting 👉 Official Apple Support

Axel F.

I believe that is true as long as you do not select one of the carrier financing options. If you choose one of them, the words "And your new iPhone will be unlocked" disappear from the ordering page.

When I clicked on "Apple Card Monthly Installments" and "Apple iPhone Payments", the ordering page said that "Carrier selection of AT&T, Boost Mobile, T-Mobile, or Verizon is required at time of purchase. Your iPhone will remain unlocked."

Are you still looking for a solution to using you Apple Card and Apple Card Monthly Installments (ACMI)?

When you purchase an iPhone directly from Apple, then that iPhone will be unlocked even if you buy it associated with a carrier. You can confirm this by contacting your nearest Apple Store or contacting 👉 Official Apple Support

Axel F.

You are correct. The carrier financing option ships a locked iPhone. I believe the OP was asking about purchasing with the Apple Card and not choosing carrier financing.

I have purchased with the Apple Card purchase option and I selected one of the carriers and my iPhone was delivered unlocked as stated in your last paragraph above. I had also contacted Apple to confirm. My iPhone works with multiple carriers.

I remember those days of SIM-FREE (No Carrier and Unlocked) iPhones and miss them.

Axel F.

If you select Verizon as your carrier, the device will be locked for a period of 60 days. It will be automatically unlocked after 60 days. Verizon does that to deter theft and purchases of devices by gray market resellers.

You have always got 14 days to return your purchase to Apple, as a fallback.