How to Get an Apple Watch On an Installment Plan

If you don't want to pay full price up front for your new Apple Watch, you can get it on an installment plan from your carrier. While Apple doesn't offer its own Apple Watch installment plan (or an upgrade program, like it does for the iPhone), these plans are available from the four major U.S. cellular carriers: Verizon, AT&T, Sprint, and T-Mobile.

These plans let you spread out the cost of your Apple Watch over anywhere from six to 24 months. This is especially helpful if you've got your eye on the more expensive stainless steel models. Each carrier has its own setup for their Apple Watch installment plans. Here's how they stack up.


Verizon's Apple Watch installment plan stands out on the length of the agreement and price. While other carriers' plans call for 24 monthly payments on your Apple Watch, Verizon's plan is for only six. This drives up the price of the monthly installment, but it also means you own your watch free and clear sooner.

Verizon offers most cellular models of the Apple Watch Series 4, including both the aluminum and stainless steel versions, as well as the Nike+ model. The Hermès is not available from any carrier.

Here's what Verizon's Apple Watch Pricing looks like:

  • 40mm Aluminum: $83.33/mo.
  • 44mm Aluminum: $88.33/mo.
  • 40mm Stainless Steel: $116.66/mo.
  • 44mm Stainless Steel: $124.99/mo.
  • 40mm Stainless Steel w/Milanese Loop: $133.33/mo.
  • 44mm Stainless Steel w/Milanese Loop: $141.66/mo.

Unless otherwise noted, these watches all come with either a Sport Band or a Sport Loop.

See at Verizon


AT&T offers lower monthly payments than Verizon, but you'll be paying off your watch over the course of 20 months. For the Apple Watch Series 4, AT&T offers the 40mm watch in aluminum in all available colors, but only gold for the stainless steel version. Meanwhile, the carrier offers gold, silver, and space gray options for the 44mm watch in both aluminum and stainless steel.

The pricing breaks down like this:

  • 40mm Aluminum: $25/mo.
  • 44mm Aluminum: $26.50/mo.
  • 40mm Stainless Steel: $35/mo.
  • 44mm Stainless Steel: $37.50/mo.
  • 44mm Stainless Steel w/Milanese Loop: $42.50/mo.

See at AT&T


Sprint asks you to pay for your Apple Watch in 24 monthly installments. It's also the only one of the carriers that, as of right now, doesn't offer any model of the Apple Watch Series 4 in stainless steel. As such, the only cost difference you'll see in Sprint's installment plans are between the 40mm and 44mm versions of the watch.

  • 40mm Aluminum: $20.84/mo.
  • 44mm Aluminum: $22.09/mo.

See at Sprint


T-Mobile's installment offering is interesting because it diverges based on the case material you get. As it does with its phones and other accessories, T-Mobile keeps the monthly payments consistent, changing them only based on the size of watch you get. The installment pricing comes out like this:

  • 40mm Aluminum: $20.84/mo.
  • 44mm Aluminum: $22.09/mo.
  • 40mm Stainless Steel: $22/mo.
  • 44mm Stainless Steel: $22/mo.

But on top of the monthly payment, customers who buy a stainless steel version of the Apple Watch Series 4 from T-Mobile will also have to pay an up-front cost. You'll need to put $171.99 down for the 40mm watch, and $221.99 for the 44mm watch.

Be aware that if you purchase your Apple Watch through T-Mobile, you won't be able to get the model that comes with the Milanese Loop band, you'll need to purchase the band separately.

See at T-Mobile


If there's anything else you want to know about buying an Apple Watch Series 4 on an installment plan, let us know in the comments.

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