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Buying an iPhone in Japan as a foreign resident: installments and unlocked

How to buy an iPhone in Japan as a foreign resident: SIM-free from Apple, carrier installments, and the residence-period rule that can block a payment plan.

Carrier ID
Residence card + passport
Installment rule
Stay must outlast the term
Apple card installments
2 to 24 payments, ¥30,000+
docomo SIM lock
None since 27 Aug 2021
Short answer

As of October 2026, a foreign resident can buy a SIM-free iPhone from Apple Japan with a billing address in Japan, or buy from docomo, au or SoftBank with a residence card and usually a foreign passport. Installments are the hard part: carriers may refuse them if your period of stay ends before the payment term, and Apple's card installments need an eligible credit card and exclude debit cards. Paying in one go avoids the stay check.

You can buy an iPhone in Japan as a foreign resident from Apple (SIM-free) or from docomo, au or SoftBank. Carriers need your residence card (在留カード) and usually a foreign passport. Paying in installments is the catch: if your period of stay (在留期間) ends before the payment term, the carrier may refuse. Apple’s card installments need an eligible credit card. Rules are from official pages, as of October 2026.

Where can I buy an iPhone in Japan?

Apple sells SIM-free iPhones, meaning not tied to a carrier. Apple’s carrier offer excludes SIM-free iPhones, so a SIM-free iPhone is a separate way to buy, and Apple lists SIM-free refurbished models too.

Apple’s online store takes orders only when the billing address is in Japan. Refunds to a bank account go only to a Japanese account in the buyer’s name.

Carriers sell too. Buying online from Apple with a carrier discount offers docomo and SoftBank; in an Apple Store, au, docomo and SoftBank are listed.

What do I need to buy an iPhone from a carrier?

Carrier Documents Permanent residents
docomo Residence card + foreign passport Passport not needed
au Residence card + foreign passport Not stated on the page we checked
SoftBank Residence card + foreign passport Residence card only

SoftBank does not accept anyone whose status is “no status” (資格なし). Bring originals, not copies. See phone contracts for foreigners for the full document list.

Can I pay for an iPhone in installments as a foreigner?

Often yes, with conditions. All three carriers use the same logic: your period of stay should last longer than the payment term.

  • docomo: installments may be unavailable if your remaining stay is shorter than the installment period.
  • au: you need proof of your period of stay and a credit card. Foreign residents cannot use the 60- or 72-payment plans.
  • SoftBank: installment contracts cannot be signed if your stay ends before the contract does.

None of the pages says how much margin they need, so ask at the counter how long your payment term can be. A 行政書士 can advise on renewing your stay, but not on the carrier’s credit decision.

How do installments work at Apple Japan?

As of the page dated 10 September 2026, Apple offers two routes:

  • Credit card installments: eligible cards from Orico, JCB, Mitsui Sumitomo (online only) and Rakuten. 2 to 24 payments, purchases of ¥30,000 or more, 0% on eligible partner cards. Debit cards do not work.
  • Paidy Apple plan: from ¥3,000, up to 36 months on the iPhone 17 series and 24 on the iPhone 17e and 16. 0% with auto-debit or bank transfer. It needs an approved Paidy account and a review. Apple says only people approved by Paidy who live in Japan can use it.

Paidy’s identity check for foreign residents is not described on Apple’s page, so confirm in the Paidy app first. If you have no Japanese credit card yet, read credit cards for foreigners and how credit history works.

In an Apple Store, staff verify identity with an ID document. Apple’s page does not list which documents.

Is an iPhone bought in Japan unlocked?

docomo says models released on or after 27 August 2021 have no SIM lock. For older models, unlocking has been free and unconditional since 1 October 2023, done in My docomo, by phone or at a shop.

We did not confirm au’s or SoftBank’s current policy on their own pages. Ask before you pay, and plan around your SIM and number. To keep your number, see how MNP works.

Is buying a refurbished iPhone cheaper?

Apple lists certified refurbished iPhones with a 1-year warranty. One example on the page: an iPhone 16 128GB, SIM-free, at ¥114,800. Apple’s Paidy plan does not cover refurbished products. Stock and prices change, so check the page.

Which option fits which situation?

Your situation Likely route
Long period of stay, Japanese credit card Carrier or Apple card installments
Short period of stay Pay in one go, or choose a shorter term
No Japanese credit card SIM-free from Apple, paid in full
Want to switch carriers later SIM-free, or a docomo model from 27 August 2021

More guides: phone contract, SIM cards, keep your number.

Questions people ask

Can a foreigner buy an iPhone in Japan?

Yes. Apple Japan sells SIM-free iPhones and takes orders with a billing address in Japan. At docomo, au or SoftBank you need a residence card and, unless you are a permanent resident at docomo or SoftBank, a foreign passport.

Can I buy an iPhone on installments in Japan with a short visa?

Maybe not. docomo, au and SoftBank all say installments can be refused if your period of stay ends before the payment term. au also bars foreign residents from its 60- and 72-payment plans.

Is an iPhone bought in Japan unlocked?

docomo says models released on or after 27 August 2021 have no SIM lock. Apple sells SIM-free iPhones. We did not confirm au's and SoftBank's current policy, so check the phone's settings before you buy.

Can I use a debit card for iPhone installments at Apple Japan?

No. Apple's installment page says debit cards cannot be used for installments, and only eligible cards from Orico, JCB, Mitsui Sumitomo and Rakuten qualify.

Sources

  1. 分割でのお支払い, Apple Japan (accessed Oct 27, 2026)
  2. iPhoneを購入, Apple Japan (accessed Oct 27, 2026)
  3. Apple Store ヘルプ, Apple Japan (accessed Oct 27, 2026)
  4. 整備済製品, Apple Japan (accessed Oct 27, 2026)
  5. au携帯電話お申し込みに必要なもの, KDDI (au) (accessed Oct 27, 2026)
  6. ご来店時の本人確認書類, NTT docomo (accessed Oct 27, 2026)
  7. 本人確認書類, SoftBank (accessed Oct 27, 2026)
  8. SIMロック解除, NTT docomo (accessed Oct 27, 2026)

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