Apple Allowing iPhone Upgrade Program Customers to Get a 'Head Start' on iPhone X Upgrade

Starting on Monday, October 23, iPhone Upgrade Program customers will be able to get a "head start" on the iPhone X pre-order process by getting pre-approved for an iPhone Upgrade Program loan.

Apple started notifying customers about the option this morning through its website and via a notice in the Apple Store app.

iphoneupgradeprogramheadstart
Customers will need to download the Apple Store app and choose their preferred iPhone X model to get pre-approved for a loan ahead of the launch of iPhone X pre-orders. Apple says this process, which was also offered for the iPhone 8 and 8 Plus, will let customers "speed through checkout on 10/27."

Once approved for a loan on a device, customers can use the Apple Store app when iPhone X pre-orders kick off to complete the purchase, making the pre-order process faster for iPhone Upgrade customers as no approval will need to be completed at the time orders are placed.

Apple's iPhone Upgrade Program is designed to allow customers to upgrade to a new iPhone after at least 12 payments have been made towards an existing iPhone. The Upgrade Program, which includes AppleCare+, requires customers to trade-in their current phones to get a new phone. Customers can choose to make payments for 24 months and keep their devices, however.

iPhone Upgrade Program members are able to use a Trade-in Kit this year to return their existing devices to Apple, alleviating the need to visit an Apple Store to purchase a new device.

Apple has made marked improvements to the iPhone Upgrade Program since last year. In 2016, new customers were forced to reserve an iPhone from a local Apple retail store due to in-store trade-in requirements, which left upgrade customers with limited stock to choose from.

A smooth and quick pre-order process for iPhone Upgrade customers will be important when it comes to the iPhone X, as rumors have suggested supplies are heavily constrained. It's likely available stock will sell out quickly, so it could be difficult to get an iPhone X for the remainder of the year.

Related Forum: iPhone

Popular Stories

streaming black friday 2025

Black Friday Streaming Deals Include Big Savings on Disney+, Hulu, Apple TV, and More

Monday November 24, 2025 8:03 am PST by
We've been focusing on deals on physical products over the past few weeks, but Black Friday is also a great time of year to purchase a streaming membership. Some of the biggest services have great discounts for new and select returning members this week, including Disney+, Hulu, Paramount+, Peacock, and more. Note: MacRumors is an affiliate partner with some of these vendors. When you click a...
Apple Foldable Thumb

Foldable iPhone to Debut These Three Breakthrough Features

Tuesday November 25, 2025 7:09 am PST by
Apple's first foldable iPhone is expected to launch alongside the iPhone 18 Pro models in fall 2026, and it's shaping up to include three standout features that could set it apart from the competition. The book-style foldable will reportedly feature an industry-first 24-megapixel under-display camera built into the inner display, according to a recent JP Morgan equity research report. That...
General Black Friday Deals 25 Red

Apple Black Friday Deals Available Now on AirPods, iPads, Accessories, and More

Friday November 21, 2025 8:48 am PST by
We're only a few days away from Black Friday, which will take place on Friday, November 28 in 2025. As always, this will be the best time of the year to shop for great deals, including popular Apple products like AirPods, iPad, Apple Watch, and more. In this article, the majority of the discounts will be found on Amazon. Note: MacRumors is an affiliate partner with some of these vendors. When...
General Apps Messages Redux

Singapore Orders Changes to iMessage by December

Tuesday November 25, 2025 6:39 am PST by
Singapore has ordered Apple to block or filter messages on iMessage that impersonate government agencies, requiring the company to implement new anti-spoofing protections by December as part of efforts to curb rising online scams, the Straits Times reports. Singapore's Ministry of Home Affairs (MHA) said that it had issued an Implementation Directive to Apple under the Online Criminal Harms...
maxresdefault

The MacRumors Show: iPhone 18 Pro Looks Like a Huge Upgrade

Friday November 21, 2025 9:10 am PST by
On this week's episode of The MacRumors Show, we talk through all of the new features and improvements expected to come to next year's iPhone 18 Pro and iPhone 18 Pro Max models. Subscribe to The MacRumors Show YouTube channel for more videos Apple's next-generation iPhones are less than ten months away and we already have a good idea about what to expect based on corroborated leaks, rumors,...
iOS 26

iOS 26.2 Adds These New Features to Your iPhone

Thursday November 20, 2025 10:50 am PST by
iOS 26.2 is currently in beta testing. The upcoming update includes a handful of new features and changes on the iPhone, including a new Liquid Glass slider for the Lock Screen's clock, offline lyrics for Apple Music, and more. In a recent press release, Apple confirmed that iOS 26.2 will be released to all users in December, but it did not provide a specific release date. Keep reading...
iOS 26 on Three iPhones

iOS 27 Will Reportedly Have Two Key Upgrades

Sunday November 23, 2025 8:48 am PST by
iOS 27 will reportedly have two major elements: quality improvements and new AI features. In his Power On newsletter today, Bloomberg's Mark Gurman said that iOS 27 will be similar to Mac OS X Snow Leopard, in the sense that Apple is focused on improving "quality and underlying performance" over adding new features. Gurman said there is one exception to this rule, though, as he expects...
iPhone Pocket Short

iPhone Pocket is Now Completely Sold Out Worldwide

Tuesday November 25, 2025 7:16 am PST by
Apple recently teamed up with Japanese fashion brand ISSEY MIYAKE to create the iPhone Pocket, a limited-edition knitted accessory designed to carry an iPhone. However, it is now completely sold out in all countries where it was released. iPhone Pocket became available to order on Apple's online store starting Friday, November 14, in the United States, France, China, Italy, Japan, Singapore, ...
apple news banner

Apple News Loses CNN

Monday November 24, 2025 7:56 am PST by
American multinational news company CNN has abruptly pulled its content from Apple News, Semafor reports. CNN quietly removed its stories from Apple News over the weekend and there is no longer a feed from the network to subscribe to in the app. This effectively ends its distribution agreement with Apple while the two sides negotiate new terms. Discussions are apparently ongoing and CNN's...

Top Rated Comments

KrisLord Avatar
106 months ago
If you need a loan to get a phone, maybe you shouldn't be getting it in the first place. I know I sound like an elitist or something, but still....
It’s a 0% finance, so even if you can afford to buy immediately, you’d be better off getting the finance and putting the $1000 in an interest earning bank account.
Score: 82 Votes (Like | Disagree)
filmantopia Avatar
106 months ago
If you need a loan to get a phone, maybe you shouldn't be getting it in the first place. I know I sound like an elitist or something, but still....
It's not about that for me. It's about upgrading every year without having to worry about selling the previous device.
I intended to use the upgrade program for many years to come-- so I'm effectively paying only half the price for every phone before the very last one I use while on the program.
Score: 58 Votes (Like | Disagree)
mmm1345 Avatar
106 months ago
If you need a loan to get a phone, maybe you shouldn't be getting it in the first place. I know I sound like an elitist or something, but still....
Score: 41 Votes (Like | Disagree)
mms13 Avatar
106 months ago
If you need a loan to get a phone, maybe you shouldn't be getting it in the first place. I know I sound like an elitist or something, but still....
Yeahhhh...you're missing the point. It's not about the loan, it's about having the newest phone every year. Apple, along with all the carriers, are encouraging customers to sign up for these programs.

But even if you wanna use the "if you need a loan you shouldn't be getting the phone" argument...zero interest loans are smarter for you financially than a lump sum up front...
Score: 18 Votes (Like | Disagree)
stulaw11 Avatar
106 months ago
I've seen this posted by various tech sites and it is HIGHLY misleading. They are not "giving iphone upgrade members a head start/advantage". Not that MR worded it that way but I've seen it worded INCREDIBLY deceptively and misleading.

The IUP requires a credit check unlike carrier installments since the carrier already has your financial info; there is no additional credit check. This is giving the IUP people a chance to get the eligibility and credit check done early others dont have; then on equal footing hitting checkout and paying tax etc at 12:01.

There is no special treatment for IUP people. Some tech sites have dangerously implied IUP people are getting an advantage with this causing a frenzy.
Score: 14 Votes (Like | Disagree)
The Game 161 Avatar
106 months ago
If you need a loan to get a phone, maybe you shouldn't be getting it in the first place. I know I sound like an elitist or something, but still....
Or maybe people would rather not pay over a grand upfront and want to upgrade their phone every year.
Score: 13 Votes (Like | Disagree)