How to view and pay Apple Card Monthly Installments

Learn about Apple Card Monthly Installments, view them in Wallet, and see how to pay each month.

View your Apple Card Monthly Installments in the Wallet app 

View Apple Card Monthly Installments

  1. Open the Wallet app and tap Apple Card.
  2. Tap the more button .
  3. Tap Monthly Installments. 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 iPhone or iPad you use to help you 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 that purchase all at once — instead of over time — your purchase will be subject to your standard purchase APR because you didn't choose an installment.2

Pay your monthly installment

Your minimum payment for Apple Card includes your Apple Card Monthly Installment. When you pay your minimum payment each month, you automatically pay the monthly installment for each of your installment plans.

Pay your Apple Card Monthly Installment in the Wallet app 

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 fee 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.

See your Apple Card Monthly Installment payment history

  1. Open the Wallet app and tap Apple Card.
  2. Tap Monthly Installments.
  3. If you have multiple Apple Card Monthly Installments, tap the device you want to view monthly installments for.

About Apple Card Monthly Installments

Apple Card Monthly Installments is an easy payment option. You can choose to pay for a new iPhone, iPad, Mac, or other eligible Apple product with Apple Card Monthly Installments — instead of paying all at once — in order to enjoy interest-free, low monthly payments.1 Just be sure to choose Apple Card Monthly Installments when you check out if you want to pay for your purchase over time at 0% APR. And you'll get 3% Daily Cash all up front when your device ships or when you buy a new device at an Apple store.

See details for Apple Card Monthly Installments in the Wallet App 

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 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.3

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.4

Apple Card Family participants can make a purchase using Apple Card Monthly Installments if the account owner or co-owner has not set a transaction limit for the participant. If the account owner or co-owner has set a transaction limit for the participant, it must be at least equal to the total purchase price of the eligible Apple product. This includes tax and shipping.

How monthly installments are calculated

The total amount 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.

The total amount you finance increases if you buy an AppleCare+ plan. If you use Apple's Trade In program, your total financed amount decreases by the amount you get for your old device.

Taxes and shipping are billed to your Apple Card and are subject to your Apple Card variable APR. Taxes and shipping aren't included in your monthly installments.

Monthly installments and your Apple Card balance

Your Apple Card balance includes your monthly installment. If you use the payment wheel to pay at least your minimum payment due, your monthly installment is included.

When you get Daily Cash

When you buy a new iPhone, iPad, Mac, or other eligible Apple product with Apple Card Monthly Installments, you get 3% Daily Cash on the total amount you finance. This includes taxes and shipping charges.

You get your Daily Cash when your device ships or when you buy your device at an Apple store.

If you haven't set up Apple Cash yet, your Daily Cash accumulates and you can apply it towards your Apple Card balance.

When your monthly installments start

Apple Card Monthly Installments are billed to your Apple Card statement on the last day of the month. Your first monthly installment is billed at the end of the same month that your device ships or you pick it up at the Apple store.

If you return a device you bought with Apple Card Monthly Installments

When you return the device that you bought, the remaining monthly installments are closed and the Daily Cash that you received is charged to your Apple Card. The Apple Card Monthly Installment for the device you returned is credited up to the remaining amount of that installment balance. If there's a remaining credit, it's applied to your Apple Card account to cover other transactions you might have made.

  1. Apple Card Monthly Installments is a payment option available to select at checkout for certain Apple 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. Variable APRs for Apple Card, other than Apple Card Monthly Installments, range from 10.99% to 21.99% based on creditworthiness. Rates as of April 1, 2020. If you choose the pay-in-full or one-time-payment option for an eligible purchase instead of choosing Apple Card Monthly Installments as the payment option at checkout, your purchase will be subject to the variable APR assigned to your Apple Card. Taxes and shipping are not included in Apple Card Monthly Installments and are subject to your card’s variable APR. See the Apple Card Customer Agreement for more information. Apple Card Monthly Installments 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. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Sprint, Verizon, or T-Mobile.
  2. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Available for qualifying applicants in the United States.
  3. 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.
  4. 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.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

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