Apple Allowing iPhone Upgrade Program Customers to Get a 'Head Start' on iPhone X Upgrade - GeekWebGuides
Skip to Content

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

M5 MacBook Pro

RIP, MacBook Ultra

Monday October 19, 2026 9:37 am PDT by
Apple today sent out invites for an experience in Los Angeles on Wednesday, October 28, and the "Pro and tell" tagline on the invitation likely means that the rumored MacBook models with touch-enabled OLED displays will stick with MacBook Pro branding instead of the once-rumored "MacBook Ultra" name. The long-rumored "iPhone Ultra" ended up being named iPhone Duo, so speculation that Apple...
iPhone Duo Trio

Here's What Apple's Apps Look Like on the iPhone Duo

Tuesday October 20, 2026 11:12 am PDT by
With just three days to go until the iPhone Duo is released, Apple is getting ready for the launch. Behind the scenes, the App Store now has screenshots of Apple's built-in apps running on the Duo. We've seen some apps in marketing materials, but images of the ones we haven't seen give us an idea of what it will be like using the iPhone Duo day to day. Many apps are shown in landscape...
apple pro tell logo

Apple Announcing New Products Next Week: 'Pro and Tell'

Monday October 19, 2026 9:05 am PDT by
Apple's Greg Joswiak today hinted at new product announcements coming next week, sharing a social media post that says "Can't wait to pro and tell next week." Rumors suggest Apple is planning to debut the new MacBook Pro with an OLED touchscreen display, an M6 entry-level MacBook Pro, an M6 iMac, an iPad mini with an OLED display. Can't wait to pro and tell next week....

Top Rated Comments

118 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
118 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
118 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)
118 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)
118 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)
chr1s60 Avatar
118 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....
Lol this is the most ridiculous thing I’ve read. It’s a 0% loan. I’ve bought tons of iPhones since the first one. Buying outright doesn’t make sense to me. I either end up selling the phone for half what I bought it or I keep it and it sits around not being used. Why wouldn’t I make monthly payments, be able to trade my phone back in a year later, and have the newest phone every year? It’s practically the same as buying it and selling it back only without the need to find a buyer.

This isn’t an unfair advantage either. All it does is puts upgrade program members in the same boat as everyone else since there won’t be a delay in processing their phone order due to approving the loan.
Score: 13 Votes (Like | Disagree)
Latest Stories
Apple Pulls Keynote, Pages and Numbers From App Store
Apple Pulls Keynote, Pages and Numbers From App Store
27 minutes ago
Apple Updates More Apps With iPhone Duo Support
Apple Updates More Apps With iPhone Duo Support
57 minutes ago
Apple Will Label Apps 'Made for iPhone Duo' in App Store
Apple Will Label Apps 'Made for iPhone Duo' in App Store
4 hours ago
Amazon Takes $49 Off iPad With Prices Starting at $399.99
Amazon Takes $49 Off iPad With Prices Starting at $399.99
4 hours ago
F1 on Apple TV Now Available in Dolby Atmos
F1 on Apple TV Now Available in Dolby Atmos
5 hours ago
Apple Reveals More Than 50 Apps That Will Be Updated for iPhone Duo
Apple Reveals More Than 50 Apps That Will Be Updated for iPhone Duo
5 hours ago
Apple Blocks Certificates That Could Help Attackers Fake Websites
Apple Blocks Certificates That Could Help Attackers Fake Websites
7 hours ago
Giant iPhone Duo Installations Spotted at Apple Fifth Avenue
Giant iPhone Duo Installations Spotted at Apple Fifth Avenue
7 hours ago
iPhone Duo 2 Prototypes Include Under-Display Face ID
iPhone Duo 2 Prototypes Include Under-Display Face ID
8 hours ago
Tesla App Gains iPad and iPhone Duo Support
Tesla App Gains iPad and iPhone Duo Support
12 hours ago
Apple Reportedly Boosts iPhone Duo Orders by 44%
Apple Reportedly Boosts iPhone Duo Orders by 44%
12 hours ago
Fortnite Returning to Australian App Store After Court Ruling
Fortnite Returning to Australian App Store After Court Ruling
13 hours ago
Apple Ordered to Open iPhone to Rival App Stores in Australia
Apple Ordered to Open iPhone to Rival App Stores in Australia
13 hours ago
Apple Suppliers Face Hurdles Cutting Circuit Board Emissions
Apple Suppliers Face Hurdles Cutting Circuit Board Emissions
13 hours ago
Things Updated for iPhone Duo With Adaptive Layout
Things Updated for iPhone Duo With Adaptive Layout
14 hours ago
Simplicity and Siri AI Are HomeView's Killer Features, Apple Says
Simplicity and Siri AI Are HomeView's Killer Features, Apple Says
14 hours ago
iPhone Duo Reviewers Really Miss Face ID
iPhone Duo Reviewers Really Miss Face ID
19 hours ago
Does the iPhone Duo Run Hot? Here's What Reviews Found
Does the iPhone Duo Run Hot? Here's What Reviews Found
20 hours ago
Apple Music's New Look is Now Live on Apple's Website
Apple Music's New Look is Now Live on Apple's Website
21 hours ago
Anthropic Launches Claude Duet, a Proactive AI Agent
Anthropic Launches Claude Duet, a Proactive AI Agent
22 hours ago
What 32,000 Folds Did to the iPhone Duo's Hinge
What 32,000 Folds Did to the iPhone Duo's Hinge
22 hours ago
iPhone Duo's Hidden FaceTime Camera Takes 'Trash' Photos
iPhone Duo's Hidden FaceTime Camera Takes 'Trash' Photos
1 day ago
iPhone Duo Has 'Edge Light' Feature That Debuted on Macs Last Year
iPhone Duo Has 'Edge Light' Feature That Debuted on Macs Last Year
1 day ago
Apple Support App Updated for iPhone Duo's Larger Display
Apple Support App Updated for iPhone Duo's Larger Display
1 day ago
Amazon Sweetens the Deal on Entry-Level 16-Inch MacBook Pro With $570 Off
Amazon Sweetens the Deal on Entry-Level 16-Inch MacBook Pro With $570 Off
1 day ago
iPhone Duo Tips Over on MagSafe Stands When Unfolded
iPhone Duo Tips Over on MagSafe Stands When Unfolded
1 day ago
Apple Music's New Look Officially Announced
Apple Music's New Look Officially Announced
1 day ago
iPhone Duo Supports Apple Pencil Starting With iOS 27.2
iPhone Duo Supports Apple Pencil Starting With iOS 27.2
1 day ago
iPhone Duo Accessories Roundup: Cases and Screen Protectors From OtterBox, ZAGG, and More
iPhone Duo Accessories Roundup: Cases and Screen Protectors From OtterBox, ZAGG, and More
1 day ago
Apple Stores Will Have 'Limited' Availability of iPhone Duo for Walk-In Customers
Apple Stores Will Have 'Limited' Availability of iPhone Duo for Walk-In Customers
1 day ago