How to view and pay Apple Card Monthly Installments - Apple Support (2024)

View Apple Card Monthly Installments

1. Open the Wallet app and tap Apple Card.

2. Tap the More button, then tap Monthly Installments.

3. If you have multiple monthly installment plans, tap the one that you want to see.

To see more details, tap Total Financed. You can also view Apple Card Monthly Installments online.

When you buy an eligible Apple product by choosing Apple Card Monthly Installments as your payment method, you'll get a 0% APR installment.¹ After your installment purchase, you'll get a notification on the device that you use to manage your Apple Card Monthly Installment. You can tap the notification and unlock your device to see your monthly installment details.

If you use your Apple Card to pay for a purchase all at once, instead of over time, your purchase will be subject to your standard purchase APR.²

Pay extra

To pay extra on your Apple Card Monthly Installments, you need to first pay your entire Apple Card balance. Then, to make an additional payment towards your installment balance, choose Pay Early. If you have multiple installments, your additional payment is applied to the outstanding balance of your oldest installment plan.

To Pay Early:

1. Open the Wallet app and tap Apple Card.

2. Tap the More button, then tap Monthly Installments. If you have multiple monthly installments, you see the balance for all of your monthly installments.

3. Tap Pay Early, then tap Continue.

4. Choose an amount to pay, then tap Pay Now or Pay later and follow the instructions on your screen.

If you don't pay a monthly installment, you aren't charged a fee³ or interest. To keep your account in good standing, pay your monthly installments on time as part of your Apple Card minimum payment due every month.

You can use Apple Card Monthly Installments to buy more than one device. Each new device that you buy has its own installment plan. The amount that you finance for each device is subtracted from your available Apple Card credit. The number of devices that you can buy with Apple Card Monthly Installments is only limited by your available credit.

What you need

An Apple Card account with enough available credit to cover the cost of your new device.⁴

Make sure your device has the latest version of iOS or iPadOS, or macOS. On iOS 13.1 or earlier, you can't see your installment details and Total Balance includes the total amount you finance.⁵

How monthly installments are calculated

The total amount that you finance for your new device is divided into interest-free monthly installments. Each installment is included in your Apple Card minimum payment and is due every month for the duration of the installment plan.

1. Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. for eligible products purchased at Apple Store locations, apple.com, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See https://support.apple.com/kb/HT211204 for more information about eligible products. APR ranges may vary based on when you accepted an Apple Card. Cardholders who accept an Apple Card on and/or after February 1, 2024: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. Rates as of February 1, 2024. Existing cardholders: See your Customer Agreement for applicable rates and fees. If you buy an ACMI-eligible product by choosing to pay in full with Apple Card (instead of using ACMI), that purchase is subject to the Apple Card variable APR, not 0% APR. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. When you buy an iPhone with ACMI, you’ll need to select AT&T, T-Mobile, or Verizon as your carrier when you check out. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. ACMI is not available for purchases made online at the following special stores: Apple Employee Purchase Plan; participating corporate Employee Purchase Programs; Apple at Work for small businesses; Government and Veterans and Military Purchase Programs; or on refurbished devices. The last month’s payment for each product will be the product's purchase price, less all other payments at the monthly payment amount. ACMI financing is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See the Apple Card Customer Agreement for more information about ACMI financing.

2. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Available for qualifying applicants in the United States.

3. Variable APRs for Apple Card range from 19.24% to 29.49% based on creditworthiness. Rates as of February 1, 2024. Existing customers can view their variable APR in the Wallet app or card.apple.com.

4. If your Apple Card application is approved with insufficient credit to cover the cost of your new iPhone, iPad, Mac, or other eligible Apple product, see what you can do.

5. The interest estimator will not reflect that your Apple Card Monthly Installment Balance has a 0% APR if your device does not have iOS 13.2 or later. However, your periodic statement will accurately reflect the 0% APR on your installment balance. To access and use all of the features of Apple Card, add Apple Card to Wallet on your iPhone or iPad with the latest version of iOS or iPadOS.

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