Apple Offering Pre-Approval for iPhone Upgrade Program in Apple Store App

Following the announcement of the iPhone XS and the iPhone XS Max, which will be available for pre-order this Friday, Apple is letting prospective and existing iPhone Upgrade customers get pre-approval through the Apple Store app [Direct Link].

When selecting "View Pricing" on the iPhone XS or iPhone XS Max, there's a banner option to "Get Ready" for the iPhone XS pre-order. Tapping on this banner allows users to choose an iPhone, confirm a carrier, and get pre-approved for an iPhone Upgrade Program loan.


There's also an upgrade process for existing iPhone Upgrade Program users that can be found right under the "Get ready for pre-order now" option.

All iPhone Upgrade customers, both those new to the program and existing users, should go through this pre-approval process ahead of pre-orders to speed up their iPhone orders on Friday.

Pre-approvals will be available until 4:00 p.m. on Thursday, September 13, with pre-orders set to begin at 12:01 a.m. Pacific Time on Friday, September 14.

With the iPhone Upgrade Program, pricing on the iPhone XS starts at $49.91 per month, while pricing on the iPhone XS Max starts at $54.08 per month.

Related Roundup: iPhone XS

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T-Mobile Customers Can Now Enroll in iPhone Upgrade Program Online

T-Mobile customers are now able to enroll in the iPhone Upgrade program online, a process that used to require a visit to an Apple Store.

The change is reflected in updated language in the Apple Store app, which now says that customers can join the iPhone Upgrade Program online with AT&T, Sprint, T-Mobile, or Verizon.


AT&T, Verizon, and Sprint users have been able to enroll in the iPhone Upgrade Program online since the program launched, allowing for online purchases of new iPhones, but T-Mobile subscribers who wanted to upgrade to a new iPhone using the iPhone Upgrade Program could not do so online like other customers for previous iPhone launches.

With this policy change, T-Mobile customers who plan to purchase a new iPhone using the iPhone Upgrade Program when the 2018 iPhones launch should be able to do so entirely online without visiting a retail store.


Apple last year offered pre-approvals for the iPhone Upgrade Program, which allowed iPhone Upgrade Program customers to get through the checkout process more quickly when pre-orders kicked off.

Apple is likely to offer the same pre-approval process this year, which customers of all carriers will be able to participate in. Apple also offered Trade-in kits delivered by mail last year, another option previously not available to T-Mobile users.

[via Reddit]


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Apple in Talks With Goldman Sachs Over Potential iPhone Buyer Finance Options

Apple is in talks with its investment bank Goldman Sachs about the possibility of offering customers financial loans when buying Apple products, according to a report by the Wall Street Journal on Wednesday.


The Wall Street firm is in talks to offer financing to shoppers buying phones, watches and other gadgets from Apple, people familiar with the matter said. Customers purchasing a $1,000 iPhone X could take out a loan from Goldman instead of charging it to credit cards that often carry high interest rates.
According to WSJ, talks between Apple and Goldman Sachs remain at an early stage and could still fall apart, while both the tech giant and the investment bank declined to comment on the report.

Goldman Sachs reportedly sees the potential partnership as a way of growing its new consumer bank, as it looks beyond corporate clients to more fully embrace retail banking and consumer lending. Two years ago the investment firm launched Marcus, an online lender that helps people refinance credit-card debt, while the bank is also building a "point-of-sale" financing business that will offer loans to shoppers at checkout, according to people familiar with the firm who spoke to WSJ.

In September 2015, Apple partnered with Citizens Financial Group to offer customers zero-interest loans for iPhone upgrades and higher-interest options for other device purchases. Part of Goldman's discussions with Apple are said to involve "taking over some form of the upgrade program", which started when wireless providers began reducing buyer subsidies for iPhones.

Apple's iPhone upgrade program is designed for users who want to have the newest iPhone every year, and comes with AppleCare+ included. Those who sign up for the program can trade-in their current iPhone for a new model after 12 monthly installments are made, starting a new cycle of the program each year.

Related Roundup: 2018 iPhones

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Apple Sending Emails to iPhone Upgrade Program Customers Who Had iPhone X Pre-Order Failures

Apple this evening began sending emails to customers who attempted to pre-order an iPhone X through the iPhone Upgrade Program but ran into a problem during the process.

In the email Apple asks customers to place a new iPhone Upgrade Program order and to reply to the email with the order number. It's not clear why Apple is asking for order numbers, but it could be that the company is planning to expedite these orders in some way.



The email says Apple is working to get iPhone X models out as soon as possible, but the wording doesn't necessarily suggest an order upgrade or faster shipping, so it's possible Apple is just making sure its iPhone Upgrade Program customers have the chance to place an order.

Customers receiving these emails seem to have been told during ordering that their loan applications with Citizens One were taking longer to process than expected, and many later received notice that their orders were not initially approved. These customers were forced to order at a later date and now have delivery estimates of five to six weeks for their new devices.

If it does turn out Apple is planning to expedite the orders of these customers in some way, we'll update this post, but at the current time, it's unclear what Apple's plans are.

Related Roundup: iPhone X
Buyer's Guide: iPhone X (Buy Now)

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Apple Offering Pre-Approvals to iPhone Upgrade Program Customers Ahead of iPhone 8

Apple has emailed customers enrolled in its iPhone Upgrade Program with instructions on how to get a head start on the iPhone 8 pre-order process.



Apple advises customers to open the Apple Store app on their current iPhone, choose their preferred iPhone 8 or iPhone 8 Plus model, and get pre-approved for an iPhone Upgrade Program loan. The window to get pre-approved ends tomorrow, Thursday, September 14, at 4:00 p.m. Pacific Time.

Pre-approved customers can then return to the Apple Store app when iPhone 8 and iPhone 8 Plus pre-orders begin on Friday, September 15 at 12:01 a.m. Pacific Time to complete the process.

This year, it appears that iPhone Upgrade Program members will be able to use a Trade-in Kit with a prepaid shipping label to return their old iPhone to Apple, rather than being forced to visit an Apple Store to complete the upgrade process. The mail-in option should make this year’s launch a less frustrating experience.

While the iPhone X is Apple’s new flagship smartphone, iPhone 8 and iPhone 8 Plus shipping estimates could become lengthy soon after pre-orders begin, so getting pre-approved is highly recommended.

Apple’s iPhone Upgrade Program lets customers upgrade to a new iPhone after they have made at least 12 payments towards their current iPhone and trade it in upon upgrading. The full cost of the iPhone and included AppleCare+ coverage is spread out over 24 months with zero percent interest.

Here’s the monthly cost breakdown for the iPhone 8, iPhone 8 Plus, and iPhone X in the United States. The program is also available in the UK.



At this time, the pre-approval process doesn’t appear to apply to the iPhone X, which can’t be ordered until Friday, October 27.

(Thanks, Timothy!)

Related Roundups: iPhone 8, iPhone X
Tag: iPhone Upgrade Program

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