Overview
- The change was first spotted by a Reddit user and reported across multiple outlets on Wednesday, July 15, when Apple quietly updated the iPhone purchase FAQ on its website.
- Apple's FAQ now says iPhones financed through the AT&T Installment Plan, T‑Mobile Equipment Installment Plan, or Verizon Device Payment Program will be locked to that carrier until the device is paid in full.
- Phones bought outright or financed through Apple Card Monthly Installments remain unlocked from activation, and Apple's site says financed devices will automatically unlock once the balance is paid.
- Parts of Apple's checkout flow still show conflicting wording that says some carrier-financed iPhones are unlocked, and Apple has not issued a public explanation for the policy change.
- Carriers commonly lock financed phones to deter resale and ensure payment, and the policy change will affect customers who relied on the prior workaround to combine carrier promos with unlocked-device flexibility or to use eSIMs while traveling.