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. 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. Starting August 15, 2023, the ACMI installment term for new Apple Watch purchases will change from 24 months to 12 months. Starting August 15, 2023, carrier connection with AT&T, T‑Mobile, or Verizon is required for all iPhone purchases made with ACMI.

Currently, carrier connection with AT&T, T‑Mobile, or Verizon is required for all iPhone purchases made with ACMI from Apple Store locations only. 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. Variable APRs for Apple Card other than ACMI range from 15.99% to 26.99% based on creditworthiness. 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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