Several providers and retailers currently offer 12-month iPhone contract deals, though most major US carriers structure their installment contracts over 24 or 36 months. However, options for 12-month payment plans and upgrade programs are available from select carriers, retailers, and Apple itself, often through financing partnerships such as Affirm or through Apple’s iPhone Upgrade Program[2][8].
Key options for 12-month iPhone contract deals include:
- Apple’s iPhone Upgrade Program allows customers to pay for the latest iPhone in monthly installments (e.g., iPhone 16 Pro from $52.83 per month) over 24 months, but you become eligible to upgrade to a new iPhone after making 12 payments, effectively making this one of the few guaranteed 12-month upgrade options. All plans include AppleCare+ with Theft and Loss[2].
- Some retailers like Visible (a Verizon-owned prepaid provider) offer Affirm financing that explicitly lists 12-month payment options. For instance, the iPhone 16e (128GB) is available for $23.17 per month with Affirm for 12 months[8].
- Most major carriers (AT&T, Verizon, T-Mobile) continue to promote iPhone deals—often with deep discounts or “free with new line” offers—but typically require 24 or 36 monthly installment plans. Early upgrade options may be possible after 12 months if you meet certain trade-in or line conditions, but standard contracts are longer-term[1][5][7].
If you prefer a true 12-month commitment, the most direct option is the Apple iPhone Upgrade Program, allowing annual upgrades and flexible carrier choice. For short-term financing (true 12-month payments), credit-based programs from retailers like Visible may fit your needs but may not always offer the latest models at the lowest prices and can include additional fees or credit checks[2][8].
Leave a Reply