Apple sells the same iPhone 18 Pro in every market, but it does not lend on the same terms. The United Kingdom gets 30 months at 0 percent APR, Japan gets 36 instalments at 0 percent through Paidy, and Canada gets a plan at 7.99 percent APR, where Apple’s own representative example turns a $1,099 purchase into $1,192.79 of total repayment.
Interest, not the monthly figure, is the number that separates these storefronts, and it is the number most buyers never look for. Below is what Apple publishes about the rate and the term in each market, and where it publishes nothing at all.
| Key fact | What Apple publishes |
|---|---|
| Longest 0 percent term | Japan, 36 instalments through Paidy |
| Longest 0 percent term with per-model figures | UK, 30 months, iPhone 18 Pro from £39.96 a month |
| The market with a published rate above zero | Canada, 7.99 percent APR on approved credit |
| US | Apple Card Monthly Installments, 24 months, 0 percent APR |
| India | No Cost EMI on 3-month or 6-month tenures |
| Not published | Germany and Australia financing terms |
What each market actually gets
| Market | Apple’s published financing | Term | Rate | iPhone 18 Pro 256GB monthly |
|---|---|---|---|---|
| US | Apple Card Monthly Installments | 24 months | 0 percent APR | $49.95 |
| UK | Apple Store instalments | 30 months | 0 percent APR | £39.96 |
| Japan | Paidy Apple plan | 36 instalments | 0 percent | Not published per model |
| Canada | Payment plan on approved credit, purchases over $99 | 24 months in Apple’s example | 7.99 percent APR | Not published per model |
| India | No Cost EMI from most leading card issuers | 3 or 6 months | No cost on eligible cards | EMI from ₹26,316 |
| France | Cetelem, generic example on €1,500 | 36 months | 0, 4.79, 8.16 or 14.01 percent | Not published per model |
| Germany | Openbank Pay referenced, 3 to 36 months | Not published | Not published | Not published |
| Australia | Afterpay referenced on the Duo page | Not published | Not published | Not published |
Every figure above is from Apple’s own regional Store pages. The blanks are genuine: Apple names a finance partner in Germany and Australia without publishing a rate, a term or a per-model monthly figure, so nobody should be quoting one. Our iPhone 18 Pro price guide has the list prices those plans are built on.
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The UK term is the most generous published anywhere with real numbers
Thirty months at 0 percent APR against a £1,199 phone gives £39.96 a month, and 30 payments of £39.96 comes to £1,198.80, which is the list price to within rounding. Apple publishes the figure for every tier, from £39.96 at 256GB up to £79.96 at 2TB, and the Pro Max runs from £43.30 to £83.30.
Japan’s Paidy plan is longer at 36 instalments, also at 0 percent interest, but Apple does not publish a per-model monthly figure for it. Dividing the ¥219,800 tax-included price by 36 gives about ¥6,106 a month, which is our arithmetic rather than an Apple figure. The same 0 percent structure covers iPhone Duo, where Apple’s Japanese release does quote 36 monthly payments of ¥10,133.
Canada is the one market where Apple publishes the cost of borrowing
Apple Canada offers payment plans on approved credit for iPhone and Apple Watch purchases over $99 at 7.99 percent APR, and gives a representative example: a $1,099 purchase becomes a total repayment of $1,192.79 over 24 monthly payments of $49.70. That is $93.79 of interest disclosed in plain sight, on a purchase smaller than the phone itself.
Apply the same published rate and the same 24-month structure to the C$1,749 Canadians actually pay for an iPhone 18 Pro and the arithmetic lands at roughly C$79 a month and about C$149 in interest. Apple does not publish that figure, so treat it as our arithmetic on Apple’s rate and its own worked example rather than a quoted price.
Why the monthly figures do not compare across borders
- US prices exclude sales tax. UK, EU, Japanese and Indian prices are quoted tax inclusive, so a UK monthly figure is carrying tax that a US one is not.
- A longer term always produces a smaller monthly figure. At 0 percent it costs nothing extra, which is why the UK’s 30 months and Japan’s 36 look cheap next to the US 24 without being cheaper.
- India’s No Cost EMI runs only 3 or 6 months, so the monthly figures are large even though the financing carries no cost. Apple India also caps its instant cashback offers at two orders in a rolling 90-day period.
- Apple Upgrade, the Klarna lease that replaced the iPhone Upgrade Program, is a United States programme only, and it is a lease rather than financing.
What has not been confirmed
Apple has not published financing terms for Germany or Australia, per-model monthly figures for Japan, Canada or France, or any rate for the finance partners it names in Germany and Australia. It has not published AppleCare Plus prices for the September 2026 products in any market, and it has not said whether Apple Upgrade will be offered outside the US. Our Pro and Pro Max comparison covers the choice these plans are financing.
Pre-orders open on Saturday, September 12, at 5 a.m. PT, 1 p.m. BST, 5:30 p.m. IST and 9 p.m. JST, with availability from Friday, September 18. The financing terms appear inside each regional checkout at that point. Our event recap lists what Apple confirmed on September 9.
