Alternative to Apple's GE credit card

srcc1 on 24/05/2015 - 18:44

Hi everyone!

I'm looking for an alternative for Apple's offer that gives you 18 months 'interest free' on purchases.

My current computer stopped working recently and after I started looking for a new one, the iMac seems to be my current favourite but just a little too much to pay at once and still pay for other expenses.

I'm a student and earn 300-500 a week, so a monthly payment shouldn't be much of a problem, however there's a lot of negative reviews of the GE card that apple offers for their products.

Apple offers 6, 12 or 18 months of interest free on their products but charge a monthly admin fee, which adds extra costs on top of the price.

Are there any alternatives, especially for students to get the same product but without the monthly/yearly fees?

Looking to get either the 12 or 18 months offer.

Financial

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Apple
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Comments

  • MSG on 24/05/2015 - 19:30

    Go with a reseller (JB Hifi, Harvey Norman, Dick Smith etc), they have financing that is not tied to Apple or GE.

    • Baysew on 24/05/2015 - 19:43

      All three have monthly fees/yearly fees.
      Go card from HN is provided by GE

      • MSG on 24/05/2015 - 20:10

        Apple's GE financing has a monthly fee ($4.95) too, that's $59.4 a year.

        JB Hi Fi charges a $59 annual fee. Dick smith seems to be charging multiple fees (application, monthly and annually). Didn't know HN uses GE, thanks for letting me know.

  • modsec802 on 24/05/2015 - 21:35
    +5

    Save up, or better still, find a second hand one on gumtree and pay cash.
    Don't enter the finance trap.

  • ctd on 25/05/2015 - 19:48
    +1

    A personal loan from a bank? You'll need to pay interest, I'll leave it to you to determine what's cheaper. Nowhere will give you a loan without some sort of cost to you… lenders are here to make a buck, after all.

    You could also look at refurbished models from apple or other secondhand places to bring down the initial cost.

  • Nutrino on 27/05/2015 - 23:45
    -1

    You want interest free without fees? Why not just ask for a personal loan at 0 cost too?. Grow up.

  • tonester on 27/05/2015 - 23:58
    +1

    http://www.hsbc.com.au/1/2/instore? :)

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