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.

iphoneupgradeprogrampreapproval
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 Forum: iPhone

Top Rated Comments

steven3130 Avatar
96 months ago
How do I justify this **** to my partner? Can someone make a fake Apple site showing a lower msrp please, I’m not ready for her interrogation.
I got you.

Just don’t get the 512gb option if you want to stay out of the interrogation room ;)



Attachment Image
Score: 13 Votes (Like | Disagree)
H.E. Pennypacker Avatar
96 months ago
I stopped doing the iPhone upgrade program since citizens hard pulls credit every year. I’m extremely anal with my credit scores.
Score: 8 Votes (Like | Disagree)
lmddawson Avatar
96 months ago
Macrumors, would it kill you to write just two words “US only” to avoid confusing all your visitors from UK and elsewhere.
Score: 6 Votes (Like | Disagree)
ThunderSkunk Avatar
96 months ago
I have no idea what all this talk of tugging on hard things is all about, but it sounds like I’ve been missing out on some killer features.
Score: 4 Votes (Like | Disagree)
adambadamh Avatar
96 months ago
I stopped doing the iPhone upgrade program since citizens hard pulls credit every year. I’m extremely anal with my credit scores.
A single hard pull has a very small effect on your credit score and adding more data points such as paying off the IUP loan each year and on time each month, will probably increase your score in the long run.

Unless you are actively seeking a mortgage this is indeed anal lol.
Score: 3 Votes (Like | Disagree)
STOCK411 Avatar
96 months ago
I think its only a hard pull when you first join, then its a "soft" pull for each renew

Edit:


Just called citizens one.... They said it all depends on factors (good standing, no late payments etc)

I applied for the upgrade this AM and they told me it was NOT a hard pull for this year
Score: 3 Votes (Like | Disagree)

Popular Stories

Apple Creator Studio

Apple Introduces New 'Creator Studio' Bundle of Apps for $129 Per Year

Tuesday January 13, 2026 6:11 am PST by
Apple today introduced a new Apple Creator Studio bundle that offers access to six creative apps, as well as exclusive AI features and content, as part of a single subscription. In the U.S., pricing is set at $12.99 per month or $129 per year. Here are the six apps included with an Apple Creator Studio subscription:Final Cut Pro on the Mac and iPad Logic Pro on the Mac and iPad Pixelmator...
Low Cost MacBook Feature A18 Pro

Apple Is Expected to Launch These Four MacBooks in 2026

Friday January 9, 2026 8:17 am PST by
2026 could be a bumper year for Apple's Mac lineup, with the company expected to announce as many as four separate MacBook launches. Rumors suggest Apple will court both ends of the consumer spectrum, with more affordable options for students and feature-rich premium lines for users that seek the highest specifications from a laptop. Subscribe to the MacRumors YouTube channel for more videos. ...
iOS 26

Here's What's New in iOS 26.3 So Far

Monday January 12, 2026 1:15 pm PST by
Apple today seeded the second beta of iOS 26.3, nearly a month after the first beta. So far, the update includes a couple of new features for iPhones. iOS 15.3 through iOS 18.3 were all released in late January over the years, so it is thereby likely that iOS 26.3 will be released towards the end of this month as well. The update is compatible with the iPhone 11 series and newer. Below,...
maxresdefault

Apple Confirms Google Gemini Will Power Next-Generation Siri This Year

Monday January 12, 2026 7:38 am PST by
In a statement shared with CNBC today, Apple confirmed that Google Gemini will power the next-generation version of Siri that is slated to launch later this year. Subscribe to the MacRumors YouTube channel for more videos. "After careful evaluation, we determined that Google's technology provides the most capable foundation for Apple Foundation Models and we're excited about the innovative...
iPhone Top Left Hole Punch Face ID Feature Purple

10 Reasons to Wait for This Year's iPhone 18 Pro

Thursday January 8, 2026 2:56 am PST by
Apple's iPhone development roadmap runs several years into the future and the company is continually working with suppliers on several successive iPhone models at the same time, which is why we often get rumored features months ahead of launch. The iPhone 18 series is no different, and we already have a good idea of what to expect for the iPhone 18 Pro and iPhone 18 Pro Max. One thing worth...
fcp pcp iwork creator studio

Some Apple Apps Will No Longer Receive Every New Feature Without a Subscription

Tuesday January 13, 2026 10:50 am PST by
If you are not interested in subscribing to the new Apple Creator Studio bundle introduced today, you will officially start to miss out on some new features. Apple said some "exciting new intelligent features and premium content" in Pixelmator Pro, Keynote, Numbers, Pages, and Freeform will only be accessible with a Creator Studio subscription. In the U.S., a subscription costs $12.99 per...
airpods pro 3 design

Apple Releases New AirPods Pro 3 Firmware Update

Tuesday January 13, 2026 11:29 am PST by
Apple today released a firmware update for the AirPods Pro 3. The latest firmware has a version number of 8B34, up from the previous version 8B30. Apple has a support document for AirPods firmware updates, and it indicates that the 8B34 update contains unspecified "bug fixes and other improvements." No other AirPods models received firmware updates today. How to install AirPods Pro...
maxresdefault

Google Gemini-Powered Siri Will Reportedly Have These 7 New Features

Tuesday January 13, 2026 7:52 pm PST by
Apple and Google this week announced that Gemini will help power a more personalized Siri, and The Information has provided more details. Subscribe to the MacRumors YouTube channel for more videos. As soon as this spring, the report said the revamped version of Siri will be able to… Answer more factual/world knowledge questions in a conversational manner Tell more stories Provide...
iOS 18 Siri Personal Context

Elon Musk Reacts to Apple and Google Teaming on Gemini-Powered Siri

Monday January 12, 2026 11:38 am PST by
Elon Musk today expressed concern about Apple and Google partnering on a more personalized version of Siri powered by Google's generative AI platform Gemini. "This seems like an unreasonable concentration of power for Google, given that [they] also have Android and Chrome," wrote Musk, in a post on X. Musk serves as CEO of xAI, the company behind Gemini competitor Grok. It is unlikely...