You don’t have to pay the full price upfront when buying a new iPhone in the USA. Apple iPhone installment plans are becoming increasingly popular due to rising device costs and the demand for flexible payments.
You can choose from several options, including Apple, your mobile carrier, Buy Now Pay Later (BNPL), and even without a credit card. You can choose the easiest way to finance your new iPhone with this guide.
Apple iPhone Installment Plan Through Apple Card
Apple Card users can get 0% APR monthly installments on almost any iPhone.
Why it’s great:
- 0% interest
- 24-month monthly payments
- Paid through Apple Wallet
- No hidden fees
Best For:
Monthly plan shoppers with decent credit scores.
AT&T, Verizon, and T-Mobile iPhone Installment Plans
There are amazing installment plans offered by all three major carriers, as well as upgrade options, trade-in deals, and device protection.
AT&T Installment Plan
- 36-month financing
- Upgrade after 50% payoff
- Big discounts with eligible trade-in
Verizon Device Payment Plan
- 36-month financing
- Low monthly cost
- Often includes bonus credits
T-Mobile Equipment Installment Plan (EIP)
- 24–36-month options
- No interest
- “Jump” upgrade program available
A soft credit check is usually required, but approval is easier than with bank financing.
iPhone Installment Plan Without Credit Card
It’s good news—there are real options for iPhone installment plans without a credit card in the U.S.
Best No-Credit-Card Methods:
Apple’s iPhone Upgrade Program
- Uses Citizens Bank financing
- iPhone + AppleCare+ included
- New iPhone every year
Credit checks are required, but you don’t need an Apple Card.
T-Mobile & Verizon Leasing (No Credit Required Options)
Low-credit or no-credit lease plans are offered by some carrier stores based on:
- Bank account history
- Income verification
- Utility bill payments
This is great for people without a long credit history.
Buy Now Pay Later (BNPL) Services
There are several ways to finance an iPhone:
- Affirm
- Klarna
- PayPal Pay Later
Amazon, Best Buy, and Walmart all offer these services.
Benefits:
- No credit card needed
- Soft approval
- Flexible weekly or monthly payments
Rent-to-Own (FlexShopper, Progressive Leasing)
It’s not the cheapest option, but it can be useful if traditional financing isn’t available.
Renting an iPhone is possible with weekly payments.
Installment Plans from Major Retailers
You can also buy from big-box stores if you don’t want to buy from Apple or carriers.
Best Options:
- (via Citi or carriers) Best Buy Monthly Installments
- Walmart Affirm Plans
- Amazon Monthly Payments / Affirm
Seasonal discounts are often available at these stores, resulting in lower final prices.
Tips for Getting Approved Easily
You can still get an iPhone installment plan without a credit card by following these steps:
- Maintain an active bank account
- Direct deposits should be added
- Make sure your debit card is funded.
- Overdrafts should be avoided.
- Please bring your government-issued ID with you.
- Keep track of your bills (helps soft checks).
Your bank history determines whether you are approved by retailers and BNPL lenders.
Which iPhone Installment Option Is Best?
| Option | Interest | Credit Card Needed? | Best For |
|---|---|---|---|
| Apple Card Monthly Installments | 0% | Yes | Cheapest monthly plan |
| Carrier Installment Plans | 0% | No | People wanting discounts & trade-ins |
| iPhone Upgrade Program | 0% | No | Yearly upgrades |
| Affirm/Klarna | Varies | No | Low-credit buyers |
| Rent-to-Own | High | No | Last-resort financing |
Conclusions
Apple iPhone installment plans in the USA are available in a wide range of budgets. Apple’s financing, carriers’ flexibility, or an iPhone installment plan without a credit card there’s something for everyone.
Choose a plan with low interest rates, predictable payments, and upgrade options.
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