Apple Resumes Offering Interest-Free Financing on iPhones in Canada

Apple's financing partner Affirm this month started offering interest-free financing on iPhone purchases in Canada again, after stopping doing so in mid-2023. With a 0% loan from Affirm, you can pay for an iPhone over 24 months with zero interest added.

2024 iPhone Boxes
This change, first reported by the blog iPhone in Canada, could help to boost iPhone sales in Canada following the recent holiday shopping season.

Affirm is still charging interest on iPad, Mac, Apple Watch, and Apple Vision Pro purchases in Canada, with APRs ranging from 4.99% to 7.99%.

Many of Apple's financing options in the U.S. are not available in Canada, including the iPhone Upgrade Program and Apple Card Monthly Installments, leaving customers in the country with no other options directly from Apple beyond Affirm.

Affirm acquired Apple's former financing partner in Canada, PayBright, in 2021.

Popular Stories

john ternus on stage

Gurman: Major Apple Leadership Shakeup Impending With John Ternus as Next CEO

Monday October 6, 2025 6:21 am PDT by
Apple is entering its most significant leadership transition in more than a decade as multiple senior executives prepare to depart and CEO Tim Cook begins to shape the company's next generation of leaders, according to Bloomberg's Mark Gurman. In the latest edition of his "Power On" newsletter, Gurman explained that Jeff Williams, who was viewed as Cook's potential successor for several...
AirPods Pro Firmware Feature

Apple Releases New Firmware for AirPods Pro 3, AirPods Pro 2 and AirPods 4

Tuesday October 7, 2025 11:27 am PDT by
Apple today released new firmware designed for the AirPods Pro 3, prior-generation AirPods Pro 2, and the AirPods 4 models. The firmware has a build number of 8A358, up from 8A356. There's no word on what's include in the updated firmware, but the prior 8A356 update added iOS 26 features to the AirPods Pro 2, AirPods Pro 3, and AirPods 4 with ANC. The software introduced better audio quality ...
iOS 26 Feature

iOS 26.1 to iOS 26.4 Will Add These New Features to Your iPhone

Wednesday October 1, 2025 1:26 pm PDT by
iOS 26 was released last month, but the software train never stops, and iOS 26.1 beta testing is already underway. So far, iOS 26.1 makes both Apple Intelligence and Live Translation on compatible AirPods available in additional languages, and it includes some other minor changes across Apple Music, Calendar, Photos, and Safari. More features and changes will follow in future versions,...
ios 26 1 slide to stop

Apple Fixes Alarms in iOS 26.1

Monday October 6, 2025 11:56 am PDT by
With the second beta of iOS 26.1, Apple updated the design of alarms set on the iPhone, making them harder to dismiss than before. Stopping an alarm in iOS 26.1 beta 2 requires a new Slide to Stop gesture rather than a simple tap. You can continue to tap to snooze an alarm, but if you want to turn it off entirely, you need to use a swipe. Transitioning from a tap to a slide gesture to...
ipad mini 7 feature blue

iPad Mini 8 on the Way: Expected Features and Release Timeline

Monday October 6, 2025 5:05 am PDT by
A new iPad mini is "absolutely" on the way, according to Bloomberg's Mark Gurman. So what should we expect from the successor to the iPad mini 7 that Apple released a year ago? Processor and Performance Apple is working on a next-generation version of the iPad mini (codename J510/J511) that features the A19 Pro chip, according to information found in code that Apple mistakenly shared in...
iCloud iPhone 17 Pro

Apple Highlights Five Perks for iPhone Users Who Pay for iCloud Storage

Monday October 6, 2025 6:29 am PDT by
After launching new iPhones last month, Apple is promoting iCloud+ with a prominent banner on its home page, in a bid to boost its services revenue. In addition to more storage, all iCloud+ plans include five perks for iPhone users. As a refresher, iCloud includes 5GB of storage for free. If you want extra storage, you need to subscribe to an iCloud+ plan. In the United States, prices range...
iOS 26

Everything New in iOS 26.1 Beta 2

Monday October 6, 2025 3:54 pm PDT by
Apple released the second beta of iOS 26.1 and iPadOS 26.1, introducing useful changes to alarms, multitasking on the iPad, and more. There are also subtle tweaks to some of the Liquid Glass design elements as Apple continues to refine iOS 26. Alarms and Timers Alarms set using the Clock app now have a slide to stop button rather than a tap to stop button on the Lock Screen. To snooze an...
iOS 26 Feature

iOS 26 Adds These 200 New Features and Changes to Your iPhone

Saturday October 4, 2025 8:19 am PDT by
Apple's website offers a list of nearly 200 new features and changes (PDF file) included in the software update, released last month. Apple also shared equivalent lists for iPadOS 26 and macOS Tahoe. iOS 26 is compatible with the iPhone 11 and newer. To install the update, open the Settings app on your iPhone, tap on General, and tap on Software Update. Below, we have highlighted eight ...
macbook pro pink

M5 MacBook Pro Could Launch in October as M4 Model Faces Supply Constraints

Monday October 6, 2025 3:23 pm PDT by
Supplies of the 14-inch M4 MacBook Pro model appear to be constrained amid rumors that an upgraded M5 model could launch as soon as this year. As noted by Bloomberg's Mark Gurman, custom configurations of the M4 MacBook Pro model have a delayed shipping date and will not be delivered to customers until October 23 to 28. The restricted supply could be an indication that Apple is planning to...

Top Rated Comments

CoMoMacUser Avatar
10 months ago
This is the Leafs year. The parade is planned.
Score: 11 Votes (Like | Disagree)
bodonnell202 Avatar
10 months ago
Interesting. I bought an iPhone 13 years ago this way when they were offering 0% financing. I assumed 0% going away had to do with interest rates going up. Even though interest rates have come down a bit again I feel like this has more to do with sluggish sales.
Score: 3 Votes (Like | Disagree)
WarmWinterHat Avatar
10 months ago

I hope to the universal higher power that the iPhone 17’s get 8K video recording for instant upgrade. No wonder why Apple is desperate to sell iPhone 16 interest free when the sells are down.
1/10th of 1/10th of 1% care about 8k.
Score: 3 Votes (Like | Disagree)
B4U Avatar
10 months ago
If they still offer the SIM tray in Canada.
It is just far easier and cheaper to swap SIM when traveling overseas.
Score: 2 Votes (Like | Disagree)
bodonnell202 Avatar
10 months ago

Telecom is pretty bad here.

Sometimes the carriers offer nice deals on new phones but only with new plans. If you've been with them 15 years they won't give you that deal because made up reasons.

I had to really spend time pursuading them to give me the new contract rate which was half the cost for four times the data. ie I was paying 8x what a new customer would pay, and they didn't get why that was unreasonable.

Apple's move here will definitely help a lot of people upgrade their phones.
Discovered years ago that loyalty gets you nowhere with Canadian telecoms. Best bet is to change carriers frequently and then take win-back offers as that's when the real deals come out.
Score: 2 Votes (Like | Disagree)
nuff_said Avatar
10 months ago

I'm just having fun. I'm actually a Blues fan and wish nothing but the best for Berube.
Penguins fan here. I’ve enjoyed the journey with Crosby and co for many years. It’s been one hell of a ride. This year is painful to watch but I’m going to keep watching. Hoping Sid ends his career with us.
Good luck to your Blues. You’re on the outside looking in but still a lot of hockey left. You guys are right on the heels of the Canucks and Flames.
Score: 2 Votes (Like | Disagree)