iPhone Installments in Germany 2026: Every 0% Option Ranked

By ANUPRESS Team · Last updated 4 October 2026 · Shop prices checked on 3 October · Reading time ~17 min

You do not need €1,449 sitting in your account to buy an iPhone 18 Pro. With iPhone installments in Germany, the same phone can cost you nothing extra or €584.46 extra, depending on where you split the payment.

Here is what changed since August. Two weeks after launch, the big shops charge Apple’s price for the 18 Pro: €1,449 for the 256 GB at Apple, MediaMarkt and OTTO. The lowest listing I found for the 256 GB in Black was €1,434.90 on Geizhals, only €14.10 less. Because the prices are almost the same everywhere, the payment plan now decides what you pay in the end. Apple splits the phone into 24 payments of €60.38 at 0%, so spreading it adds nothing. O2 also offers 0%, but on its own price of €1,567 plus €6.99 shipping. OTTO adds about 0.8% of the price for every month, so 24 months there cost €278.28 more than paying at once.

This is still the trap this article is about. Every route below is priced on the same phone, so you can compare totals instead of monthly rates that hide different totals. If you already know which iPhone 18 Pro you want, the tables further down link every storage size and colour.

The short version

Every route for iPhone installments in Germany, priced on the same phone: iPhone 18 Pro, 256 GB, total cost including any down payment and shipping. Checked on 3 October 2026.

iPhone 18 Pro and 18 Pro Max: every storage and colour

Apple sells the iPhone 18 Pro and the 18 Pro Max in four storage sizes and four colours each: Black (Schwarz), Silver (Silber), Glacier (Polar) and Burgundy (Burgunder). Pre-orders opened on 12 September 2026, and both phones went on sale on 18 September. Apple charges the same price for every colour. So only two choices change what you pay: the size of the phone and the storage.

Each table shows Apple’s price, Apple’s 0% plan over 24 months, and one link per colour. Every link opens exactly that storage and colour on Amazon.de, so the price Amazon shows you is the price for that version. Amazon’s price and delivery time change often, which is why they are not printed here. These are affiliate links.

iPhone 18 Pro (6.3 inches)

iPhone 18 Pro Max (6.9 inches)

* On 3 October, Amazon.de had no page for the 256 GB Pro Max in Silver or in Burgundy, so those two are not linked. Apple sells both, at €1,599.

Affiliate links. Each button opens the 256 GB in Black; every other version is in the tables above.

Pro or Pro Max?

The Pro Max costs €150 more at every storage size. On Apple’s 0% plan that is about €6.25 more a month. For that you get a 6.9-inch screen instead of 6.3 inches and a longer battery life: Apple rates the Pro Max at up to 29 hours of typical use and the Pro at up to 23 hours. The Pro Max is also heavier, at 249 g against 211 g. The chip, the cameras, the storage options and the colours are the same on both, so you are only choosing size and battery life.

Which storage?

Every step up costs more than the one before. 512 GB adds €250, 1 TB adds another €500, and 2 TB adds another €750. On Apple’s 24-month plan that is €10.41, €20.83 and €31.26 more per month. You cannot add storage to an iPhone later, so buy for how you will use the phone in two or three years.

My rule of thumb: if your current phone holds less than 150 GB after a couple of years, 256 GB is enough, and the €250 is better kept. People who film a lot should look at 512 GB or 1 TB. 2 TB is for people who keep large video projects on the phone itself. Apple’s own spec sheet says ProRes video at 4K and 120 fps needs an external drive anyway.

iPhone 18 Pro and 18 Pro Max specifications

Worth knowing what you are financing. These are Apple’s own figures from its German spec page.

Buy now or wait? What changed since September

In August this section said the 18 Pro would arrive in September and that the 17 Pro would get cheaper when it did. The first part came true on the dates below. The second has not clearly happened yet: two weeks after the launch, OTTO sold the 256 GB 17 Pro at €1,199. That is €100 under its launch price, but not below what the shops already charged in August.

• 12 September Pre-orders open for the 18 Pro and 18 Pro Max
• 18 September Both go on sale in Germany
• 27 November Black Friday
• Spring 2027 Standard iPhone 18 and an 18e, according to Macwelt

The new phones cost €150 more than the models they replace did at launch. The 256 GB 18 Pro is €1,449, where the 17 Pro started at €1,299. The 256 GB Pro Max is €1,599, where the 17 Pro Max started at €1,449. The folding iPhone arrived as well, as the iPhone Duo, but it is outside this guide.

You want the newest Pro: there is little reason to wait. Two weeks after launch, the lowest listings sat only 1% to 2% under Apple’s price, and Apple’s 0% plan already adds nothing. In my experience a new Pro does not get much cheaper in its first months, so waiting mostly means waiting for the phone.

You want the 17 Pro: Apple has taken it out of its own store, so you can only buy it from shops while their stock lasts. On 3 October OTTO listed the 256 GB at €1,199. That is €100 under its old list price and €250 under the 18 Pro. On Amazon.de you can open the iPhone 17 Pro 256 GB in Deep Blue (affiliate link).

You want the standard iPhone 17 or the Air: nothing new comes before spring 2027, so the next real price event is Black Friday on 27 November.

You are not fixed on Apple: my iPhone vs Android comparison covers the real differences. All the routes below except Apple also sell Android phones.

iPhone installments in Germany: six checks before you sign

Every offer for iPhone installments in Germany can be judged with the same six questions.

1. What does the phone cost here, compared with the cheapest shop? Do this one first, always. For the 18 Pro it is the check that separates a €1,449 purchase from a €1,573.99 one. No interest rate on this list moves the total as much as the price does. Our discount calculator makes the gap obvious.
2. What is the effective APR after any promo window? The headline “0%” often covers only part of the term. MediaMarkt and Saturn are the clearest example: 0% for the first 10 months, for members only, and anything left after that runs at 20.90% effective. The number that matters is always the “effektiver Jahreszins”.
3. Who is actually lending you the money? Never the shop itself. Apple’s installments come from Openbank Pay, the trading name of Open Bank SA, which belongs to Banco Santander. MediaMarkt and Saturn use BNP Paribas in their online shops, and Targobank or Santander Consumer Bank in some stores. Telekom, Vodafone and O2 carry the device credit themselves. That name is who appears in your Schufa file.
4. Does the term match how long you keep the phone? A 36-month plan on a phone you replace every two years means paying for a device that lives in a drawer. Pick the term that ends when your upgrade itch usually starts.
5. Can you pay it off early, and what about the first 14 days? German consumer credit law gives you a 14-day right of withdrawal (Widerruf) on all of these, and early repayment is allowed. At 0% there is no penalty that could even apply.
6. Are they selling you insurance with it? The classic add-on is Restschuldversicherung, payment protection insurance. OTTO, for example, advertises a payment-protection insurance (Ratenschutz-Versicherung) at extra cost alongside its installments. Consumer advocates say such cover can add 10 to 20% to the purchase, and the Verbraucherzentrale successfully sued MediaMarkt and Saturn in 2023 over how such add-ons appeared in their 0% checkout. Decline it. The Verbraucherzentrale guide to 0% financing is worth ten minutes.

iPhone financing seller by seller

Germans search for this as iPhone Ratenzahlung. The market splits into three camps: Apple itself, the shops, and the mobile networks. Here is every serious way to buy an iPhone 18 Pro on installments, with the lender named and the catch spelled out.

Apple: 0% over 24 months, now at the market price

Apple finances through Openbank Pay. You can choose from 3 to 36 monthly payments, or one payment 30 days after the purchase, and Openbank Pay checks your credit first. Next to every iPhone 18 Pro and 18 Pro Max, Apple shows 24 payments at 0% effective interest: €60.38 a month for the 256 GB Pro, up to €129.12 for the 2 TB Pro Max. The full list is in the tables above.

In August this route cost €150 more than the cheapest shop, because the 17 Pro was already discounted elsewhere while Apple kept its list price. For the new 18 Pro there is almost no discount anywhere yet. So Apple’s plan costs only €14.10 more than the cheapest listing I found, and it gives you the smallest payment of any 24-month 0% plan in this guide.

Amazon.de: every version linked, and 0% over 5 months

Amazon Monthly Payments splits an eligible order into monthly payments with no interest. There is no application, nothing is added to the price, and the first payment is due when you order. We tested it with a real order in August: an iPhone 17 Pro 512 GB in Deep Blue, paid in 12 monthly payments. The 12 payments added up to the order total, apart from 8 cents of rounding, so the interest was zero.

For the 18 Pro the plan is much shorter. In October our basket with an iPhone 18 Pro 512 GB showed 5 payments at 0%, the first one due at checkout, with the plan covering only that item. So Amazon’s 0% is free but fast: you clear the phone in five months, where Apple gives you 24. The number of payments can change with the item, so check it at checkout.

The same checkout showed two other ways to pay. With the Amazon Visa credit card you could split the phone into 3 payments at 0% on the card’s credit line; Amazon’s own note says other terms may cost interest. PayPal Ratenzahlung was the option with interest: 11.49% effective over 3 to 48 months, after a credit check. Over 48 months the interest came to almost a quarter of the price, 23.8%. PayPal is the lender, and Amazon only arranges the credit. If you are new in Germany, note that it needs a German or Austrian address and a German or Austrian PayPal account.

The tables above link every storage and colour directly. Amazon’s price and delivery time change often, so the page you land on shows the current offer. Skip PayPal’s plan whenever Amazon’s own 0% fits your budget.

MediaMarkt and Saturn: 0% for 10 months, then 20.90%

MediaMarkt charged Apple’s price for the 18 Pro on 3 October: €1,449 for the 256 GB. Their 0% offer has become shorter since August. Back then it covered up to 18 months. Now the fine print at MediaMarkt and Saturn says 0% for the first 10 months only, only for myMediaMarkt or mySaturn members, and only for products the two shops sell themselves. The minimum is €100, with at least €10 a month.

After 10 months, whatever you still owe moves to a variable rate of 19.13%, which is 20.90% effective. So the 0% is only free if you clear €1,449 within 10 months, which means €144.90 a month. Their standard plan, shown on every product card, is 10.90% effective: 48 payments of €37.02 for the 256 GB 18 Pro, €1,776.96 in total. MediaMarkt’s payment page sums up both offers.

Online, the lender is BNP Paribas, set up as a credit line with a Mastercard you can use again. In stores it can also be Targobank or Santander Consumer Bank, depending on the market. MediaMarkt’s site also lists offers from other sellers, sometimes on a page that looks like its own. I found a 256 GB 18 Pro in Silver there at €1,621.99 from another seller. Check that the seller is MediaMarkt or Saturn before you count on the 0%.

O2: real 0%, but on a higher price

This is the one I got wrong in the first version of this guide, so here is the full picture again. O2’s my Handy financing works without a mobile tariff, at a genuine 0% over 24 or 36 months. The problem is still the price. For the iPhone 18 Pro 256 GB, O2 asked for €7 down and 24 payments of €65, or €1 down and 36 payments of €43.50. Either way the phone costs €1,567, plus €6.99 shipping. That makes €1,573.99, which is €124.99 more than Apple’s own 0% plan.

O2 offered the 18 Pro only with 256 GB or 512 GB when I checked. The trap from August is also still there: the contract-free price only appears when the URL carries ?ohne-tarif=ja. Open the page normally and you see a tariff bundle instead.

OTTO: easy checkout, expensive installments

OTTO sells the 18 Pro 256 GB at €1,449 and lets you pay in 3 to 48 monthly payments. These are not free. OTTO’s own rate calculator showed €132.34 a month over 12 months, €71.97 over 24 months and €42.07 over 48 months. Over 24 months that adds up to €1,727.28, which is €278.28 more than paying at once. The surcharge works out at about 0.8% of the price for every month. As an annual rate that is roughly 19%. OTTO shows the official effective rate only at checkout.

OTTO is useful if you already shop there and want everything on one familiar account. On cost alone, it loses to every 0% route in this guide.

Telekom and Vodafone: only when you need the tariff

When I checked in August, Telekom let customers split device costs over 6, 12, 24 or 36 months at 0%, with up to five devices at the same time. Vodafone offered 12, 24 or 36 months at 0%, with no price difference between the terms. Both make sense mainly when you are moving to that network anyway, because the bundle price is where the saving is.

The number to work out from any bundle: add every monthly payment and the upfront cost over 24 months, subtract what the tariff alone would cost, and compare what is left to €1,449. That is the real price of the phone. CHECK24 is useful for lining bundles up side by side, though it lends nothing itself.

What each route really costs

Percentages hide money. Here is the same iPhone 18 Pro 256 GB, paid in different ways, measured as extra paid over the cheapest listing I found: €1,434.90 for Black on 3 October.

Two things stand out. Apple’s 0% plan and the member offer at MediaMarkt and Saturn land almost exactly on the cheapest price, so for this phone spreading the payment is close to free. And the small monthly rates at the bottom are the expensive ones. OTTO’s 48 payments of €42.07 look gentle, but they add €584.46.

Run your own numbers

This is the fastest way to test any offer for iPhone installments in Germany. Pick a model or enter the price you found, then the effective APR from the contract. The calculator shows the monthly payment and what the credit costs on top. It opens on Apple’s plan: €1,449 over 24 months at 0%. For Amazon, type the price Amazon shows for your version.

Planning something larger, or clearing an old balance alongside the phone? The full loan calculator adds an amortization schedule and an extra-payment comparison, and the debt payoff calculator shows what paying off early saves.

What the August check taught: the iPhone 17 Pro

In August I priced the iPhone 17 Pro 512 GB in Deep Blue the same way, and the lesson from that check still holds. O2’s 0% plan cost €1,597.99 with shipping, while the cheapest shops sold the same phone for about €1,399. The interest-free plan cost €199 more than paying at once. Apple’s 0% over 24 months cost €150 more, because Apple kept its €1,549 list price while the shops had cut theirs.

The 18 Pro shows the other side of the same rule. A brand-new phone sells at list price almost everywhere, so the shop with the best 0% plan wins. An older phone sells under list at the shops, so a 0% plan on the list price loses. In both cases you find the winner the same way: start from the price, then look at the plan.

Those August prices have changed since, and Apple no longer sells the 17 Pro itself. MediaMarkt’s 0% window has also shrunk from 18 months to 10. Treat the August figures as a record of the method, not as today’s offers.

Refurbished iPhones on installments

A refurbished iPhone 15 or 16 solves the budget question from the other end: instead of stretching the payment, shrink the price. German-market refurbishers sell tested devices 25 to 40% below new, with a legal minimum of 12 months warranty and usually a 30-day return window. Buying a refurbished iPhone on installments is how you end up with a very good phone for under €20 a month.

The three I would use: Back Market (a marketplace of vetted refurbishers, pay with Klarna or PayPal), Refurbed (an Austrian platform, Klarna installments over 6, 12 or 24 months at around 13.6% effective in August), and Swappie (iPhones only, refurbished in their own facility, warranty up to 36 months). Check the battery health promise on the listing. Serious sellers guarantee at least 80 to 90% capacity and say so.

A 17 Pro barely exists on the refurbished market yet at a useful discount, since the model is just over a year old. That is the honest limit of this route for a current Pro. Where it shines is one or two generations back.

On payment, be precise about which Klarna or PayPal product you click. Klarna’s short “pay in 3” plans are interest-free. In August, Klarna’s longer financing in Germany ran as high as 18.87% effective, and PayPal’s Ratenzahlung around 10.99% depending on the shop. On Amazon it was 11.49% in October. Verivox calculated that these checkout credits cost roughly 86% more interest than a comparable bank loan. Use the short interest-free plans and skip the long ones. A €450 refurbished iPhone 15 in three payments of €150 costs exactly €450; over 24 Klarna months it costs about €515.

iPhone generations: what changed, what they cost

German launch prices tell their own story. Apple raised the base model by €100 in 2022 when the euro was weak, walked €50 of it back in 2023, and has kept the sticker at €949 since. The 2025 move was quieter: same price, double the storage, which is a price cut that never shows up in a headline.

The Pro line moved more: €1,149 for the 13 Pro, a jump to €1,299 for the 14 Pro, back to €1,199 for the 15 Pro and 16 Pro, then €1,299 again for the 17 Pro, softened by 256 GB of base storage. In 2026 the 18 Pro jumped to €1,449. It is also the first 6.3-inch Pro with a 2 TB option, at €2,949. If a Pro price ever looks stable, it is because Apple adjusted the storage instead.

Black Friday 2026: worth the wait?

Black Friday falls on 27 November 2026, and German shops usually start their deals the evening before and stretch them across the week. My expectation, based on past years and not a promise: the standard iPhone 17 around 10 to 15% below list, older models discounted harder, and the 18 Pro reduced mainly through bundles or trade-in offers rather than clean price cuts.

For the 17 Pro the price has already moved: €1,199 for the 256 GB at OTTO on 3 October, against €1,299 at launch. If you want that phone and can wait, Black Friday is the next test.

FAQ

Bottom line

iPhone installments in Germany are cheap when you start from the price and expensive when you start from the advertising. For the iPhone 18 Pro, in this order: take Apple’s 0% over 24 months, €60.38 a month for the 256 GB, because Apple’s price is the market price right now and the plan adds nothing. If you can pay the phone off in five months, Amazon Monthly Payments is free too, at Amazon’s price. Pick your exact storage and colour in the tables above. If you are a MediaMarkt or Saturn member, their 0% works as long as you clear it within 10 months. Consider a network bundle only when you need the tariff anyway, and judge it on the total.

Skip O2 as a standalone route for this phone. The 0% is real, but paying €124.99 more than Apple’s plan is a lot for interest-free. Skip OTTO’s long plans too: 48 payments of €42.07 add €584.46.

And if €1,449 is more phone than you need, the 17 Pro is now €250 cheaper at OTTO, at €1,199 for the 256 GB.

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