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. iPhone 18 Pro…
Financing
0% Finance on a $1,999 iPhone: When It Really Is Free, and Where the Cost Hides
When Apple quotes $83.29 a month for a $1,999 iPhone Duo at 0 percent APR, the finance charge really is zero. Twenty-four of those payments come to $1,998.96, which is the list price to within a rounding error, and nothing is added for the privilege of paying later. iPhone Duo at $1,999, or $83.29 a…
Apple Killed the iPhone Upgrade Program: What the $34.99 Apple Upgrade Lease Drops
The iPhone Upgrade Program does not exist any more. Apple retired it on July 28, 2026, telling customers in its own announcement that it “will no longer offer the iPhone Upgrade Program and iPhone Payments in the United States”, and replaced it with Apple Upgrade, a lease provided by Klarna Inc. that starts at $17.99…
Apple Card Monthly Installments on iPhone 18 Pro: 0% APR, $35.97 Back and the Carrier Rule
Apple Card Monthly Installments splits an iPhone 18 Pro into 24 payments of $49.95 at 0 percent APR, and Apple pays 3 percent Daily Cash on the purchase up front, which is $35.97 on a $1,199 phone. The condition most buyers skip past is that Apple does not allow the plan on an iPhone unless…