Apple is changing its policy for iPhones bought with carrier financing through T-Mobile or Verizon, limiting the devices to the carrier network rather than leaving them unlocked. Previously, customers could purchase an iPhone from Apple and select financing through Verizon or T-Mobile and receive a phone that was not locked to a specific network, a situation that users describe as a workaround. The updated approach aligns more closely with Apple’s existing handling of AT&T installment plans, where financed iPhones have long been carrier-locked.
Apple’s change is reflected in updated information in its iPhone “Will my iPhone be unlocked?” FAQ, according to reports. The company’s guidance indicates that iPhones purchased outright or through Apple Card Monthly Installments remain unlocked after activation and can be used with any carrier that supports iPhone. In contrast, iPhones financed via the T-Mobile Equipment Installment Plan or Verizon Device Payment Program are locked to that carrier until the device is paid in full.
The reason for the change is not stated publicly. Some reporting suggests it may be intended to prevent device resales without completing carrier payments. Sources also note that Apple’s checkout language may not yet fully reflect the new policy across all flows.
