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

iphone 17 models

No iPhone 18 Launch This Year, Reports Suggest

Thursday January 1, 2026 8:43 am PST by
Apple is not expected to release a standard iPhone 18 model this year, according to a growing number of reports that suggest the company is planning a significant change to its long-standing annual iPhone launch cycle. Despite the immense success of the iPhone 17 in 2025, the iPhone 18 is not expected to arrive until the spring of 2027, leaving the iPhone 17 in the lineup as the latest...
duolingo ad live activity

Duolingo Used iPhone's Dynamic Island to Display Ads, Violating Apple Design Guidelines

Friday January 2, 2026 1:36 pm PST by
Language learning app Duolingo has apparently been using the iPhone's Live Activity feature to display ads on the Lock Screen and the Dynamic Island, which violates Apple's design guidelines. According to multiple reports on Reddit, the Duolingo app has been displaying an ad for a "Super offer," which is Duolingo's paid subscription option. Apple's guidelines for Live Activity state that...
samsung crease less foldable display ces 2026%402x

Foldable iPhone's Crease-Free Display Tech Spotted at CES 2026

Tuesday January 6, 2026 3:04 am PST by
CES 2026 has just provided a first glimpse of the folding display technology that Apple is expected to use in its upcoming foldable iPhone. At the event, Samsung Display briefly showcased its new crease-less foldable OLED panel beside a Galaxy Z Fold 7, and according to SamMobile, which saw the test booth before it was abruptly removed, the new panel "has no crease at all" in comparison. The ...
Low Cost A18 Pro MacBook Feature Pink

Apple's 2026 Low-Cost A18 Pro MacBook: What We Know So Far

Friday January 2, 2026 4:33 pm PST by
Apple is planning to release a low-cost MacBook in 2026, which will apparently compete with more affordable Chromebooks and Windows PCs. Apple's most affordable Mac right now is the $999 MacBook Air, and the upcoming low-cost MacBook is expected to be cheaper. Here's what we know about the low-cost MacBook so far. Size Rumors suggest the low-cost MacBook will have a display that's around 13 ...
govee floor lamp

CES 2026: Govee Announces New Matter-Connected Ceiling and Floor Lights

Sunday January 4, 2026 5:00 am PST by
Govee today introduced three new HomeKit-compatible lighting products, including the Govee Floor Lamp 3, the Govee Ceiling Light Ultra, and the Govee Sky Ceiling Light. The Govee Floor Lamp 3 is the successor to the Floor Lamp 2, and it offers Matter integration with the option to connect to HomeKit. The Floor Lamp 3 offers an upgraded LuminBlend+ lighting system that can reproduce 281...
airpods pro 3 glitter

AirPods New Year's Deals Include Up to $99 Off AirPods Max, AirPods Pro 3, and AirPods 4

Sunday January 4, 2026 8:04 am PST by
Now that the calendar has flipped over into January, steep discounts on popular Apple products have become more rare after the holidays. However, if you didn't get a new pair of AirPods recently and are looking for a model on sale, Amazon does have a few solid second-best prices this week. Note: MacRumors is an affiliate partner with some of these vendors. When you click a link and make a...
AirPods Pro 3 Year of the Horse Feature

Apple Launches Year of the Horse AirPods Pro 3 for Lunar New Year

Monday January 5, 2026 11:28 am PST by
Apple has designed a limited edition version of the AirPods Pro 3 to celebrate Lunar New Year, and customers in select countries can purchase them starting today. The Year of the Horse Special Edition AirPods Pro 3 feature a unique horse emoji character that's otherwise unavailable. Customers in China, Hong Kong, Taiwan, Malaysia, and Singapore are able to buy the AirPods, and they'll be...
Belkin 25W Battery magnetic

CES 2026: Belkin Announces Magnetic Ring Power Bank, Modular Dock, and More

Sunday January 4, 2026 3:02 pm PST by
Belkin today announced a range of new charging and connectivity accessories at CES 2026, expanding its portfolio of products aimed at Apple device users. UltraCharge Pro Power Bank 10K with Magnetic Ring The lineup includes new Qi2 and Qi2.2 wireless chargers, magnetic power banks, a high-capacity laptop battery, and USB-C productivity accessories, with an emphasis on higher charging...

Top Rated Comments

KrisLord Avatar
107 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
107 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
107 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
107 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
107 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
107 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)