Apple Launches Zero-Interest Financing for Most Hardware

Posted on June 15, 2020 by Paul Thurrott in Apple, Hardware, iOS, iPadOS, Mac and macOS with 6 Comments

As expected, Apple is now offering zero-interest financing of most of its hardware products to Apple Card holders.

“Now when you shop at Apple, you can use your Apple Card to pay monthly at 0 percent APR with Apple Card Monthly Installments,” the Apple website explains. “And you’ll [still] get 3 percent Daily Cash back on the Apple products you love, all up front.”

The financing terms vary by product. Higher-priced items like Mac computers, iPad Pro tablets, and iPhones can be financed for 12 months, while lower-end products such as AirPods, HomePod, and Apple TV can be financed for 6 months. And as noted, the Apple Card’s normal 3 percent cash back perk on Apple purchases still applies.

To get 0 percent financing, simply make a purchase at and select “Apple Card Monthly Installments” at check out. If you don’t have an Apple Card yet, you’ll need to step through an application process first.

Zero-interest financing is only available in the United States at this time. You can learn more here.

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Comments (7)

7 responses to “Apple Launches Zero-Interest Financing for Most Hardware”

  1. melich13

    I’m glad they have something consistent now. Best Buy would often give the option for a longer finance period, but no cash back then. Also, obviously you can’t customize your Mac at Best Buy either.

  2. richardbottiglieri

    I just bought my son a new MacBook Pro for college. I took advantage of the student discount program, and I put the purchase on a new Apple Card, really just for the 3% back. If you are going to buy an Apple computer, using the Apple Card and taking advantage of those perks is a nice benefit. Otherwise, I don't have much use for the Apple Card, to be honest.

  3. lvthunder

    People would really finance a set of headphones for 6 months. Yikes!!

  4. nbplopes

    Just wished they opened up this facilities to countries with better consumer credit ratings than the US. Countries such has Portugal :)

  5. bluvg

    "you MUST use your Apple Card to pay monthly at 0 percent APR"

    Fixed that for you, Apple....

    • Paul Thurrott

      Actually, if you have the older Barclays Apple Card, as I do, that works the same way. They just emailed me with: Use your Barclaycard Visa with Apple Rewards to buy a Mac or iPad and you’ll get a pair of AirPods through 09/29/20. Plus, you’ll pay no interest if paid in full within the promotional period. 18 months on purchases $999 and over 12 months on purchases $499 to less than $999 6 months on purchases less than $499

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