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As of April 2026, iPhone financing is widely available through Apple Card Monthly Installments (ACMI) at 0% APR, the iPhone Upgrade Program, and various carrier-specific plans. Third-party Buy Now, Pay Later (BNPL) services like Affirm , Klarna, and Afterpay also offer flexible payment options for Apple devices, frequently with interest-free "Pay in 4" structures. Explore Apple Financing Options for more details. iPhone Upgrade Program - Apple
