Actual value awarded is based on receipt of a qualifying device matching the description provided when estimate was made. Trade-in value may be applied toward qualifying new device purchase, or added to an Apple Gift Card. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. Trade-in values will vary based on the condition, year, and configuration of your eligible trade-in device. See the Apple Card Customer Agreement for more information about ACMI financing. See /kb/HT211204 for information about upcoming changes to ACMI financing. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products.

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 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. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. You’ll need to select AT&T, T‑Mobile, or Verizon as your carrier when you check out.

Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR.

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. Existing cardholders: See your Customer Agreement for applicable rates and fee. Cardholders who accept an Apple Card on and/or after August 10, 2023: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. APR ranges may vary based on when you accepted an Apple Card. See /kb/HT211204 for more information about eligible products. for eligible Apple products purchased at Apple Store locations,, the Apple Store app, or by calling 1‑800‑MY‑APPLE, and is subject to credit approval and credit limit. 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.

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