This was posted 7 years 1 month 24 days ago, and might be an out-dated deal.

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0% Interest for 12 Months on Purchases over $300 @ Apple Store

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0% Interest for 12 Months on Purchases over $300 @ Apple Store
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spackbace on 02/03/2017 - 11:47 apple.com (335 clicks)
Last edited 02/03/2017 - 11:47

As always, pay it out over that 12 months! Interest rates are high after that

Figured it might help someone, and the numbers might crunch better over 12 months vs plan pricing (0% on phone + BYO plan vs phone contract)

$4.95 monthly fees

6 and 12 months interest free finance is available to approved customers where the amount financed is $150 to $299 for 6 months and over $300 for 12 months. Purchases must be made at Apple Retail Stores or the Apple Online Store (via Telesales, 133 622) using a CreditLine card acquired through Apple or a Buyer's Edge, CreditLine, Gem Visa or GO Mastercard. Minimum monthly repayments must be made during the interest free period and interest and repayments are payable after the interest free period. Paying only the minimum monthly repayment will not pay out the loan before the end of the interest free period. If there is an outstanding balance after the interest free period ends, interest will be charged at 22.99% for the CreditLine card acquired through Apple. Offer available on advertised or ticketed price. This notice is given under the Conditions of Use of the CreditLine card (acquired through Apple), which specifies all other conditions for this offer. Offer also available to existing Buyer’s Edge, CreditLine not issued via Apple, Gem Visa and GO MasterCard customers. Refer to their product website for conditions, fees and charges.

Thanks to HUKD

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closed Comments

  • [Deactivated] on 02/03/2017 - 11:51
    -6

    0% Interest on overpriced computers isnt a deal.

    • spackbace on 02/03/2017 - 11:51
      +12

      You're right, it's an iDEAL! There, that will get them :)

    • darthsparrow on 02/03/2017 - 12:26

      Wasting 2 minutes to post this is a deal!

  • Saitake12 on 02/03/2017 - 11:51

    What are the fees for this? I remember a while back looking at Apple financing for a laptop, but the fees came to about $100 or so over a year so I didn't bother.

    • spackbace on 02/03/2017 - 11:52
      +1

      $4.95/month - added to OP :)

      • reg401 on 02/03/2017 - 12:30
        +3

        This may be called interest free, but paying $4.95 a month makes this a 5.94% p.a. interest equivalent payment on a $1000 purchase. If you were to buy a $500 product that would be nearly 12% p.a. interest equivalent. Wouldn't it be cheaper for you to get a short term, low amount loan?

        • dasher86 on 02/03/2017 - 12:39

          turns out okay if you buy an expensive mac book etc.

        • Jorkus on 02/03/2017 - 13:36
          +1

          Yeah i noticed this is how they get you. They call it interest free then add on a monthly fee for servicing the debt. One loan i saw on Harvey Norman or some other store had a service fee equal to about 20% per year.

  • sillysam on 02/03/2017 - 11:57

    Wait….how is this a deal? Hasn't this been around for years?

    • vn02063007 on 02/03/2017 - 12:26

      Yeah, this always been there. not really a deal.

      • dasher86 on 02/03/2017 - 12:37

        just because something has always been there does not disqualify it from being a 'deal'.
        It could be a long running deal.

  • owli on 02/03/2017 - 11:59
    -1

    Keep in mind Apple finance will be a hard pull on your credit, it may lower your credit score, therefore potentially paying higher interest on future loans.

    • pitufon on 02/03/2017 - 12:15

      How so? It's done via GE money.

      I buy ALL my apple products using this. Have been for about 3 years and my credit score is impeccable.

      • truongtran on 02/03/2017 - 12:59

        Same here. I've done the same thing the past 5 years and didn't have any drama.

  • CDG on 02/03/2017 - 14:16
    +1

    there's always $5 monthly fees…so no deal for interest free ..

  • Rorschach on 02/03/2017 - 15:30
    +2

    Come on, man!
    How is this a deal when there is a monthly fee instead of interest?

  • Neer on 02/03/2017 - 15:31

    wouldn't it be better using one of this ?

  • tg on 03/03/2017 - 01:13

    If you need finance to get an Apple, maybe you should consider getting something else.
    Don't force yourself into something that you cannot afford.

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