iOS code could reportedly let Apple cut off apps when users miss iPhone payments

Code found in an iOS 27 beta would allow Apple to put a financed iPhone in “Restricted Mode” if it detects any missed payments, 9to5Mac reports. The finding follows a story from Bloomberg earlier this week claiming Apple is preparing to launch a new “Apple Upgrade” financing program for leasing new devices.

iPhones in “Restricted Mode” would reportedly lose access to nearly all apps, except for basics like the Phone app, Settings, and the App Store. It uses a new “App Managed Features” system that allows financing or partner apps to continually check if a financed device is in good standing.

According to 9to5Mac, the code also includes a new “Partner Finance Lock” intended to block users from “erasing, reselling, or stripping a restricted device for parts.” While the feature is part of Find My, it reportedly doesn’t give financing partners access to the phone’s location.

This is from a beta version of iOS 27, so it’s possible this code and the new “Restricted Mode” could get changed or removed before Apple officially releases iOS 27. The “Apple Upgrade” program hasn’t been officially announced yet, either. Apple did not immediately respond to a request for comment.