Financing with Apple Card a new iPhone with “connect to any carrier later” option not available

Purchase the iPhone outright using your Apple Card and then call an Apple Card Specialist at Goldman Sachs Bank and have the purchase converted to a 24 month interest free installment plan (Apple Card Monthly Installments or ACMI). You can then activate on any network that supports iPhone.

Apparently, but I wouldn't put any stock into any of these 'hacks' to get it done. You essentially need to convince someone at Goldman Sachs to switch your outright purchase to installments, and if you poke around the Internet for the same iPhone 15 situation, that's not a 100% reliable gambit.

The main draw of the card was buying and financing Apple product with literally two button presses. I'm not interested in being on hold with GS like a caveman and begging for what I want. Not a smart move by Apple. The card parlayed itself into my everyday payment method but yesterday that changed to a different card. Apple Card will remain dormant and unused from now on.

I'm with an alternate carrier that will have the phone on release day and finance the same way as Apple.

Another alternate plan might be to get a new card someplace else with an introductory 0% APR offer.

I also have a card that often has balance transfer deals. There is sometimes a cost associated but if you can sell your current iPhone for more than that fee, you'll make out. Selling your iPhone independently will pretty much always get you more than Apple trade-in. In my experience Swappa usually gets you the best resale value, especially on older phones.

What do you mean paid off? If you want installments, then you have to follow the steps I wrote.

If you bought something on your Apple Card, then paid the balance due on the account, no, you can’t put the paid item on installments.

There used to be an option when buying apple devices for a 0 interest installment plan. This has to be done after the fact now?

So, hundreds on Facebook, Reddit, and Instagram have not had issues calling and simply asking GS to convert purchase to an ACMI. If it doesn’t work for you or you find it inconvenient, move on. The item has 14 days to be returned. But it’s a solution for many.

You offer good solutions too. No reason to be so negative about a solution that will work for many Apple Card holders.

Do they allow to convert installments after we paid off by Apple Card? Have you tried it before?

Thank you for info, but can you explain one?

Can we have purchase converted to ACMI when we talk with specialist from bank after we buy iPhone with Apple Card?

Yes, the iPhone has to be purchase from Apple.com or an Apple Retail Store. It cannot be purchased from any other store, even Apple Authorized Retailers.