iPhone X

If you're anything like literally all of us here at iMore, you want the latest, greatest iPhone as soon as you can get your hands on it. For the longest time, you had to sign up for upgrade plans through your carrier. However, Apple offers a leasing program of sorts through the iPhone Upgrade Program, which lets you spread the cost of an unlocked iPhone over 24 months and upgrade to a new device (with trade-in) after making 12 payments.

The program is intended to be a simple, quick way to secure a new, unlocked iPhone every year and insure the device with Apple's AppleCare+ protection program. If the iPhone Upgrade Program sounds like something you'd want to take advantage of, this guide will help you figure out everything you need to know!

iPhone Upgrade Program FAQ: Everything you need to know

iPhone X

Considering joining Apple's new iPhone Upgrade Program when you pick up your next iPhone? Here's everything you need to know about the program before signing up.

iPhone Upgrade Program FAQ: Everything you need to know

How to get loan pre-approval for the iPhone Upgrade Program

Whether you're brand new to the program or re-enrolling from last year or the year before, you can get pre-approval for the iPhone Upgrade Program ahead of iPhone preorder launches. Pre-approval becomes available within the week of a new iPhone's preorder date. If you don't see the option to get pre-approved, check back another day.

How to get loan pre-approval for the iPhone Upgrade Program

How to prepare for your iPhone Upgrade Program appointment

iPhone X

If you have an appointment with an Apple specialist to upgrade, there are a couple of things you should get ready to take with you to your appointment.

How to prepare for your iPhone Upgrade Program appointment

How to upgrade to a new iPhone if you are on the iPhone Upgrade Program

iPhone X

If you enrolled in the iPhone Upgrade Program a year ago when you purchased your iPhone, you are eligible to upgrade to the latest model. Here's how!

How to upgrade to a new iPhone if you are on the iPhone Upgrade Program

What to do if you've put a freeze on your credit report

Screenshot of the iPhone Upgrade Program web page

If you've recently frozen your credit report, there are a few things you should know before enrolling or re-enrolling in the iPhone Upgrade Program.

How a credit freeze affects your enrollment in the iPhone Upgrade Program

Questions?

Give us a shout if you have any questions or run into any issues!

Updated October 2018: Updated for iPhone XR and how to get pre-approval for your loan.

iPhone XS, iPhone XS Max, iPhone XR

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