Apple has ended the iPhone Upgrade Program in the UK and replaced it with a new way to finance iPhones. The change affects how customers spread payments and upgrade to new devices. Existing users do not need to take action right now, and their current payment plans will continue as agreed. The shift marks a clear change in how Apple handles upgrades in the UK market.
In a statement published on its UK website, Apple confirmed the decision and outlined what customers should expect next.
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“A new chapter for upgrades.
The iPhone Upgrade Programme is coming to an end, but we think you’ll love what’s next.
You don’t need to do anything right now, just keep making your remaining payments. When it’s time for your next iPhone, the Flexible Finance Account will offer you a new, more flexible way to upgrade.”
What replaces the iPhone Upgrade Program
Apple has introduced a new Flexible Finance Account in the UK. The company offers this option exclusively through the Apple Store, both online and in retail locations. Unlike the old program, this new account works as a line of credit rather than a fixed annual upgrade plan.
The Flexible Finance Account comes through a new partnership with Creation, a consumer finance company based in Belfast. This also signals the end of Apple’s earlier partnership with Barclays, which backed the iPhone Upgrade Program in the UK.
How the new upgrade options work
The Flexible Finance Account gives customers more than one repayment option. A 20 month plan allows an upgrade after 11 monthly payments, while a 30 month plan allows an upgrade after 23 payments. Customers can choose the option that fits their budget and upgrade timing.
One key change stands out. The new plans do not include AppleCare by default. Customers who want device protection will need to add it separately.
Overall, Apple is moving away from a single upgrade model and toward flexible financing. For UK buyers, this reshapes how future iPhone upgrades will work.
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