Apple Card just launched its iPhone installment plan

Have an Apple Card? Use it to buy your next iPhone interest-free

Apple Card just launched its iPhone installment plan: 24 months, 0% interest

Apple is today launching a new feature for Apple Card which allows cardholders to purchase a new iPhone then pay it back over 24 months with no interest. So right now, you cannot only purchase the iPhone on a 2 year, interest-free plan, you can also get 6% cashback! "And see it all alongside your everyday Apple Card purchases".

Here's how it works: When you use Apple Card to buy an iPhone utilizing this financing plan which launches in the USA today, your monthly interest-free minimum payment will get lumped into your overall monthly minimum Apple Card payment in the iPhone's Wallet app.

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If the Apple Card wasn't appealing enough for you before, the company is now offering 6 percent Daily Cash cash back if you decide to purchase new Apple products.

Right now, however, Apple is running a holiday deal that gets you double that, with 6% cashback on offer between now and December 31. However, Citizens One which provides a 24-month installment loan can still charge fees. The percentage back is added to users' Apple Cash, and this can then be put toward the payment or spent through Apple Pay.

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You can manage payments directly through the Wallet app on your iPhone, and the company says the minimum payment is automatically adjusted to take your monthly instalment plans into account, so you only have to make one payment on the last day of the month. At a later date, Apple could choose to layer in its other subscriptions along with the iPhone purchase to create a bundle of some sort.

As reported this morning by Tech Crunch, Apple customers already have an interest-free option with the iPhone Upgrade Program (this will continue for non-Apple Cardholders).

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The installment program won't replace the existing Apple Upgrade program, as that will remain available for non-Apple Card users.

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