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Dropping at least $700 to get an iPhone 8 is a hefty burden. Thankfully, mobile carriers and Apple have made it easy for iPhone lovers to still get the latest phone without having to pay the full amount up-front.

Under the industry's standard payment plans, the full cost of the phone is spread out over 24 payments, so you slowly pay off the phone over two years. (Of course, the final cost of the phone ends up being a little more than the retail cost, just like any financing agreement.) But the carriers' plans and Apple's plan have different terms. So which one is better for you?

Set up payment. Learn what forms of payment you can use to buy content from the iTunes Store, App Store, and Apple Books, or pay for your Apple Music and iCloud Storage subscriptions.

1. Consider using our Buy Now Pay Later Apple Computers Financing Plans when you next need a new Apple computer. We even provide special options for people who need bad credit Apple computer financing.
2. Payment & Pricing. Read about the variety of payment options you can choose from when you purchase from apple.com, and learn how the tax on your order is calculated.

For most people, Apple's iPhone Upgrade Program is the best option. You get the flexibility to switch carriers if you want, insurance and support are included, and you get to upgrade to the new iPhone every year when the new models are released.

The Skinny

Apple first launched its program with the release of the iPhone 6S in late 2015. Anyone who signed up at that time will get an iPhone 8 or iPhone X this month—Apple's plan allows for iPhone users to turn in their current phones and receive a brand new model every year without penalty. Some carrier agreements let you upgrade as frequently, like T-Mobile's. Others require you to keep the device for two years before you upgrade, or at least pay off 75 percent of the total cost before upgrading. Apple requires you to pay off only 50 percent before you can upgrade. For most people, that's twelve monthly payments, but if you hit that 50 percent mark sooner by making extra payments, you can upgrade to a brand new iPhone as soon as six months in.

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The cost is a little bit higher for Apple. Pricing among the carriers for iPhone payment plans ranges from $27 to $41 per month, and Apple's pricing ranges from $34.50 to $45.75.

More iPhone

All of these plans require you to return the current phone when you upgrade, and it has to be in good working condition. This is where Apple's plan starts to pull ahead. The monthly installments to Apple include AppleCare+, which gives you 24/7 technical support and covers accidental drops and spills for all the clumsy people (I very much need this). Carriers offer their own insurance, which incurs a charge of $5 or $10 every month. Since Apple's payments are slightly higher, things even out financially if you tack insurance onto a carrier's payment plan. However, in some cases, a carrier's coverage is not as comprehensive as Apple's.

Another biggie: The iPhone you get from Apple is unlocked. Thank you, smartphone gods. When a phone is activated through a carrier, you will only be able to use it on that carrier. An unlocked phone can be used for pretty much any carrier, including those in different countries. Just take out the SIM card, put the new one in, and you've switched.

A smaller benefit is that you don't have to deal with your carrier when you want to get a new phone. Carrier stores and call centers can be soul-crushing and filled with upsells. Dealing directly with Apple is much easier. Bye bye, pushy cell phone salesman. Hello, friendly employees.

It’s not all rainbows and unicorns; there are a few catches, of course.

After you've made 24 payments, you can keep the phone if you'd like. But if you're upgrading sooner than that, you never get to keep the phone. This is standard across any payment plan, whether from Apple or a carrier, and it is a big turn-off for some. Also, if you're upgrading, the iPhone you've been using for a year has to be in working condition with no noticeable physical damage. A cracked screen will cost you $29 to fix, and excessive damage to any other part of the phone will cost you $99. These are service fee rates for AppleCare+ customers. Yes, even with Apple Care+, you're responsible for upkeep on the phone. And yes, you have to pay these fees before upgrading if Apple decides they're necessary.

Another slight annoyance is that you will now have two phone bills. Buy your phone from a carrier and everything (service fees and the device payment) goes onto one bill. Buy your phone from Apple, and you have to pay the carrier for the phone service, then pay Apple separately for the phone. It's not a big deal, but you should be aware of it.

Bigger Savings

The cheapest way to get a new iPhone is to pay for the full cost of the device upfront. You get the best price, and there are no payments to worry about. But if you're willing to put yourself on the hook for monthly payments, an installment plan makes sense—especially since you can automatically upgrade when the new iPhone comes out. With its unlocked devices and well-regarded Apple Care+ coverage, the iPhone Upgrade Plan is the payment plan we'd recommend.

This post was updated on 9/15/2017. It was originally published on 9/15/2016 by Michael Duran.

Macbook Monthly Payments

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Payment methods

Apple accepts a variety of payment methods online. Click on a payment method below to find out more:

• Apple Business Lease (AFS Commercial Credit)

Note: Business lease, wire transfers, and money orders are ineligible payment methods for pickup items.

Some payment types are ineligible for orders that ship to multiple addresses. If you are using an ineligible payment type for an order shipping to multiple addresses, you will either need to change the payment method, or ship your order to a single address.

Some customers may qualify for other forms of payment. Please call 1-800-MY-APPLE and speak to an Apple Specialist for more information.

Using more than one payment method

You can also combine payment methods to pay for your purchase. Choose from the following combinations of credit cards and Apple Store Gift Cards:

• Credit card(s) - up to two
• Apple Store Gift Card(s) - up to eight
• Apple Store Gift Card(s) + one credit card

During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.

Credit Cards or Debit Cards

Troubleshooting credit card & debit card payment errors

• If your card is new or recently reissued, make sure it has been activated.
• Remove dashes or spaces from the account number.
• If everything seems to be correct, call the card issuer's customer service 800 number on the back of your card. Your credit card company may need to speak with you before they authorize your purchase.

Account verification

To prevent any unnecessary delays processing your order, please ensure that the billing address on your order matches the information on your credit card account. If you have recently moved or are unsure whether you receive your credit card statement at your work or home address, please contact your card-issuing bank using the 800 number on the back of your credit card to confirm.

Security codes

The card security code is a unique three or four digit number printed on the front (American Express) or back (Discover/MasterCard/Visa/UnionPay) of your card, in addition to the account number.

American Express:

Discover/MasterCard/Visa/UnionPay:

Daily spending limits for Debit Cards

Most debit and check cards have daily spending limits that may substantially delay the processing of an order, even if there is enough money in an account. When using a debit card, funds are immediately reserved in your bank account at the time you place your order. Please consult your card-issuing bank for information about your daily spending limits if you are having trouble placing your order.

When Apple charges your account

When you place an order, Apple will contact your credit or debit card's issuing bank to confirm it is a valid account. Apple requests an authorization, which holds the funds for the full or partial purchase amount. As Apple prepares your items, authorized funds will be unavailable and may display as 'pending' on your credit or debit card's online statement.

If you are shipping an item, your card will only be charged after the item has shipped. For pickup items, you will be billed before your item is ready for pick up. If your order contains multiple items, you may see multiple charges on your credit or debit card statement.

If you cancel your order before your items are billed, any authorizations placed on your credit card account can take up to 30 days to expire and any authorizations placed on your debit card account can take up to 10 days to expire. Contact your financial institution for their specific timeframes.

Credit cards accepted

In the U.S., we accept:

• American Express
• Discover
• MasterCard
• UnionPay
• Visa

Buy A Mac With Payments

If you are paying for your order with an international Visa, MasterCard, American Express, or UnionPay credit card, please note that the purchase price may fluctuate with exchange rates. In addition, your bank or credit card issuer may also charge you foreign conversion charges and fees, which may also increase the overall cost of your purchase. Please contact your bank or credit card issuer regarding these fees.

Any gift card issued by a credit card company can be used as a method of payment when buying from Apple online. During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.

PayPal

When you place an order with PayPal you will be redirected to the PayPal website. There you will then need to login with your PayPal username and password.

If your order consists of multiple deliveries, your PayPal account will be charged separately for each shipment.

Apple Store Gift Card

You can redeem an Apple Store Gift Card at any Apple Store, to purchase products online from Apple, or by calling 1‑800‑MY‑APPLE. Apple Store Gift Cards can be used only in the United States. With the exception of gift cards, certificates, and iTunes downloads and/or subscriptions, you can purchase just about anything sold by Apple, including products from both Apple and third-party makers.

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You can use up to eight Apple Store Gift Cards at a time when you purchase online from Apple, or if you’re placing an order by calling 1‑800‑MY‑APPLE. You can combine your Apple Store Gift Card(s) with one credit card to pay for your purchase. Simply enter or provide the PIN. On the plastic gift cards, the PIN you need to use can be found on the back under the scratch off area. On the electronic Apple Store Gift Cards, the PIN can be found on the email below the image of the card. Please keep the card in your possession until the order has been processed and delivered.

The Apple Store Gift Card is subject to applicable terms and conditions.For more information about how to redeem your Apple Store Gift Cards, visit How to Redeem Apple Store Gift Cards. To purchase an Apple Store Gift Card, click here.