Apple names an actual financing company for iPhone 18 Pro on only four of the ten storefronts we checked: Klarna in the US, Openbank in Germany, Cetelem in France and Paidy in Japan. The other six storefronts either show no financing option at all or describe one without saying who provides it.
That split is easy to miss because every one of Apple’s pages looks equally official. Our iPhone 18 Pro price breakdown covers the sticker prices; this is about what happens once a buyer looks for a way to spread that cost.
Key facts: financing partner named or not, by country
| Country | What Apple’s page shows | Company named? |
|---|---|---|
| US | Apple Card Monthly Installments, or an Apple Upgrade lease | Yes, for the lease: Klarna Inc. |
| Germany | Openbank Pay, 3 to 36 months, no per-model figure | Yes, Openbank |
| France | 36-month example on a €1,500 reference price | Yes, Cetelem |
| Japan | Installment plan mentioned, no figure stated | Yes, Paidy |
| UK | 0% APR over 30 months, with per-tier monthly figures | No |
| India | EMI figures from about ₹26,316 a month | No |
| Canada | None shown | No |
| Australia | None shown | No |
| Singapore | None shown | No |
| UAE | None shown | No |
The four companies Apple names
Klarna is the most fully documented of the four, because Apple Upgrade is not a purchase at all. Apple’s own footnote is explicit: “This offer is for a consumer lease, not a purchase or loan. Lease provided by Klarna Inc. for a 12- or 24-month term,” and it warns that a customer “may incur a substantial charge if you terminate your lease before the end of the lease term.” Apple Upgrade also requires selecting a carrier at checkout, the same requirement as the installment plan it sits alongside.
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Openbank, Cetelem and Paidy appear only as brief mentions on Germany’s, France’s and Japan’s iPhone 18 Pro pages. Apple’s own pages give a generic repayment example for each, none of them tied to an actual iPhone 18 Pro configuration, and none carrying the lease-versus-loan detail that Apple spells out for Klarna. Japan’s plan also runs on a longer clock than the others: Apple’s Japanese store shows a 36-month installment length against 24 months for the US Apple Card option, on the same phone.
Six pages that describe financing without naming who provides it
The UK page is the most detailed of the six: it lists a monthly figure for every storage tier, spread over 30 months at 0 percent APR, without ever naming the bank or lender behind the number. India’s page does the same with its EMI figures. Canada, Australia, Singapore and the UAE show no financing information on the iPhone 18 Pro buy page at all, only the full price. A buyer comparing the 256GB Pro against the Pro Max across these markets is comparing sticker prices only, since neither model carries a published monthly figure in any of the four; our Pro versus Pro Max guide covers what else separates the two.
Why the difference matters
A named lender is not a minor detail. Apple’s own footnote for Klarna spells out what happens if a US buyer changes their mind: an early-termination charge, a first payment due roughly 30 days after the device ships, and a requirement to keep an eligible carrier attached. Apple has not published equivalent terms for Openbank, Cetelem or Paidy beyond the example figures on each page, and it has not named a lender at all for the UK’s 0 percent offer or India’s EMI figures. Our iPhone 18 Pro announcement has the full list of what Apple confirmed at launch.
What Apple has not said
- The full terms of the Openbank, Cetelem or Paidy plans beyond a single generic example each.
- The name of the lender behind the UK’s 0 percent APR offer or India’s EMI figures.
- Any financing option at all for Canada, Australia, Singapore or the UAE.
- Whether Apple Upgrade, or Klarna as its lease provider, will expand beyond the US.
Pre-orders continue through the week under whichever payment structure each storefront offers. iPhone 18 Pro and iPhone 18 Pro Max reach stores Friday, September 18, in every confirmed first-wave market. Our pre-order guide covers the checkout steps in more detail.