Apple has added new financing options for cellular iPad purchases. Apple now offers 36‑month carrier financing from AT&T and Verizon, in addition to the 12‑month interest‑free plan available through Apple Card.

The new carrier plans cover the entire iPad lineup, including iPad, iPad Air, and iPad Pro. Both carriers say the financing is available to existing subscribers when they add a new line of service. The main difference is the payment schedule: the 36‑month plan spreads payments over three years, dramatically lowering the monthly amount compared to the 12‑month Apple Card option.

This comes a few weeks after Apple raised prices on every iPad model, and the new financing is designed to entice shoppers despite the higher price tags. For example, the 11‑inch iPad Pro with cellular now starts at $1,399, up from $1,110 last month. With Apple Card, that’s about $116.58 per month for 12 months; with AT&T or Verizon, it’s roughly $38 per month for 36 months.

These new options may change the calculus for buyers seeking a more manageable payment plan, especially those who find the premium devices hard to justify at full price. Consumers can compare the total cost over the financing term to decide which plan best fits their budget.