Apple Launches Zero-Interest Financing for Most Hardware

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.”

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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 Apple.com 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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Conversation 7 comments

  • melich13

    15 June, 2020 - 10:22 am

    <p>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. </p>

  • richardbottiglieri

    Premium Member
    15 June, 2020 - 11:33 am

    <p>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.</p>

  • lvthunder

    Premium Member
    15 June, 2020 - 11:50 am

    <p>People would really finance a set of headphones for 6 months. Yikes!!</p>

    • SvenJ

      15 June, 2020 - 5:21 pm

      <blockquote><a href="#546580"><em>In reply to lvthunder:</em></a><em> </em>For a $350 set of Beats, at 0% interest and 3% cash back, why not. </blockquote><p><br></p>

  • nbplopes

    15 June, 2020 - 1:54 pm

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

  • bluvg

    15 June, 2020 - 5:30 pm

    <p>"you <strong><em>MUST </em></strong>use your Apple Card to pay monthly at 0 percent APR"</p><p><br></p><p>Fixed that for you, Apple….</p>

    • Paul Thurrott

      Premium Member
      17 June, 2020 - 10:08 am

      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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