If you’re joining the iPhone Upgrade Program for the first time, you’ll be asked to provide your date of birth, Social Security number, and annual income for a credit check. You’ll also need a valid U.S. credit or debit card. Prepaid cards are not accepted at this time. Click here for full terms and conditions.(Opens in a new window)\n\n

If you’re a current member of the iPhone Upgrade Program and enter the Social Security number you used when you first joined the program, your application will be conveniently autofilled with the information that’s already on file with Citizens One. Citizens One reserves the right to perform a credit inquiry as needed to determine loan eligibility. Depending on your account performance and transactional history in the iPhone Upgrade Program, Citizens One may approve your new loan application without your credit being impacted.","first":true,"even":true,"position":1,"last":true}],"size":1}},"first":true,"even":true,"position":1,"last":false},{"index":1,"value":{"title":"What happens to my new loan if I choose to pick up my new iPhone at an Apple Store but then fail to pick it up?","descriptionData":{"items":[{"index":0,"value":"If you do not pick up your new iPhone within 14 days after the scheduled pickup date, it will be returned to store inventory. Your new loan will be cancelled, and any charges applied to your credit or debit card will be refunded. The monthly payments associated with your current iPhone will continue. Any credit inquiry used to determine loan eligibility during preapproval will not be removed.","first":true,"even":true,"position":1,"last":true}],"size":1}},"first":false,"even":false,"position":2,"last":false},{"index":2,"value":{"title":"What do my monthly payments cover?","descriptionData":{"items":[{"index":0,"value":"

Your monthly payments cover the full cost of iPhone, as well as the AppleCare+ coverage option you’ve chosen. ","first":true,"even":true,"position":1,"last":true}],"size":1}},"first":false,"even":true,"position":3,"last":false},{"index":3,"value":{"title":"I just bought an iPhone with the iPhone Upgrade Program. Can I exchange it for iPhone 16 or iPhone 16 Pro?","descriptionData":{"items":[{"index":0,"value":"If you purchased your iPhone within the last 14 days, you can return it by calling 1‑800‑MY‑APPLE or by visiting an Apple Store.","first":true,"even":true,"position":1,"last":true}],"size":1}},"first":false,"even":false,"position":4,"last":false},{"index":4,"value":{"title":"What is Citizens One?","descriptionData":{"items":[{"index":0,"value":"

Citizens One is the official financing partner for the iPhone Upgrade Program. Monthly charges from Citizens One will appear on your card statement per the terms of your installment loan. You will also receive communications from Citizens One about your loan. Citizens One is a brand name of Citizens Bank, N.A.","first":true,"even":true,"position":1,"last":true}],"size":1}},"first":false,"even":true,"position":5,"last":true}],"size":5},"footer":null,"isDefaultOpen":false,"pageId":"iphone_upgrade_program"}; window["main14"].defaultSelection=null;