¹ Apple Upgrade is a device leasing program available in the U.S. (excluding U.S. territories). Leases are provided by Klarna; subject to eligibility and credit approval, including final approval at checkout. To be eligible, you must be a U.S. resident, at least 18 years old (or the legal age in your state), have an accepted credit or debit card, and have an Apple ID. Additional eligibility criteria apply. Device must be in good condition upon return; damage fees may apply. For iPhone only: In order to lease an iPhone, you must select an eligible carrier (but you cannot use a prepaid carrier plan). Upgrades require entering into a new lease and are subject to eligibility and credit approval. Apple Upgrade is not available on refurbished devices or online at the following special stores: Apple Employee Purchase Plan; participating corporate Employee Purchase Programs; Apple at Work for small businesses or enterprises; Government, Education, or Veterans and Military Purchase Programs.
² A damage fee may apply if the device is not returned in good working condition.
³ Monthly financing through Klarna issued by WebBank.
CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
⁴ Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
⁵ Klarna Cashback Rewards are awarded as points which can be redeemed for cash and other benefits. Klarna Personal account required. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
⁶ Deposits in your Personal account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the Personal account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures.
⁷ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna Personal account and other benefits. Earn cashback on Klarna App purchases. Klarna Personal account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.
⁸ Klarna mobile plan provides priority data on AT&T’s 5G network (QCI 8) for more consistent speeds and lower latency during congestion.
⁹ Klarna Cashback Rewards are awarded as points which can be redeemed for cash and other benefits. Klarna Personal account required. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your membership.
The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.
Installation process can take a few minutes. Stable internet connection and eSIM compatible device required.
¹⁰ Klarna payment plans issued by WebBank. Loans not offered by Apple. Subject to eligibility and approval. Software requirements apply. Terms apply.
¹¹ Google Pay is a trademark of Google LLC. Klarna loans on Google Pay issued by WebBank.
¹² Exclusions apply. Does not cover travel, event, and ticket purchases, gift cards and goods same as cash, Klarna Credit Card purchases and more. Check eligibility at https://www.klarna.com/us/buyer-protection/.