0% Interest & No Monthly Fees Finance via Afterpay Pay Monthly (Instalment Terms 6, 12 or 24 Months) @ Apple Store AU

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0% Interest & No Monthly Fees Finance via Afterpay Pay Monthly (Instalment Terms 6, 12 or 24 Months) @ Apple Store AU
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rrrrrrein on 03/07/2026 - 10:08 apple.com (2355 clicks)
Last edited 03/07/2026 - 10:15 by 1 other user

Apple has introduced a new financing option via Afterpay Pay Monthly, offering 0% interest and no monthly fees for up to 24 months on eligible Apple purchases.

Product Eligibility:

  • iPhone (e.g., iPhone 17): Available on 6, 12, or 24-month terms
  • iPad: Available on 6 or 12-month terms
  • Mac (e.g., MacBook Air): Available on 6 or 12-month terms
  • Apple Watch (e.g., Apple Watch Series 11)

How It Works:

  1. Add your chosen items to the cart on the Apple Store.
  2. If you want to lower the financed amount, you can add an Apple Trade-In to receive instant credit upfront.
  3. Proceed to checkout and select Afterpay Pay Monthly.
  4. You will be redirected to log into your Afterpay account to complete the application. Afterpay provides an instant approval decision.

Notes:

  • You must have an existing Afterpay account in good standing to apply.
  • Financing is subject to separate approval by Afterpay and is not automatically guaranteed.
Electrical & Electronics Loan

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Comments

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Search through all the comments in this post.
  • TheDukeOfNukem on 03/07/2026 - 10:14

    Yeah, you need to layaway with them price rises…

    • 45
      • taki on 03/07/2026 - 13:27

        Consumerism is "winning" ;)

        • 1
      • Yoo on 03/07/2026 - 13:51

        Apple users save a lot of money living rent free in your head.

        • -3
      • Daabido on 03/07/2026 - 14:40

        Get an iPhone. Android is scrambling your typing.

        • -1
    • kungfuman on 03/07/2026 - 12:33

      really? 12 months on afterpay? this is new usually its just 8 weeks.

      • 0
        • kungfuman on 06/07/2026 - 07:33

          nah its definatly every fortnight they charge you. its basically layby.

          • 1
    • shroomish on 03/07/2026 - 13:17

      Thanks apple, how kind.

      • 4
  • dosada on 03/07/2026 - 10:23

    They have completely lost the plot with their pricing. Cheapest mbp 16 is nearly 5k

    • 33
    • 3dprintdeals on 03/07/2026 - 11:35

      blame the hyperscalers and memory cartel

      • 13
      • Rkel403 on 03/07/2026 - 12:07

        Very hard to stomach apples reasoning for the price increase - if it was truly a case of increased costs they can no longer swallow then why has their net profit increased every single year including an eye watering $112bn for 2025

        • 6
        • Goonos on 03/07/2026 - 12:46

          Because there is an expectation from shareholders that the company continues to grow year on year otherwise shareholders will pull their money and it would crash the company.

          • 9
          • taki on 03/07/2026 - 13:00

            @Goonos: as AI laggard, it should happen ASAP (but shareholders are gamblers & they are fooled by Trump & corporatocrats ;)

            • -7
          • shroomish on 03/07/2026 - 13:27

            @Goonos: It's like neoliberalism profits most the 1% that own half the share market and (profanity) you, your children and wether or not you eat dinner.

            • 1
          • tsk2 on 03/07/2026 - 14:45

            @Goonos: Unlikely to crash company but success kpi are likely tied to stock price rather than market share .

            • 0
          • safrane on 04/07/2026 - 13:57

            @Goonos: Exactly, big tech whose main business is to lock you in to their walled garden so you pay premium prices for everything isn't going to let inflation get in the way of their margins.

            • 0
        • Fasian on 04/07/2026 - 01:59

          While yes, $112bn sounds like a lot and is a lot - you need to look at the % figure instead.

          Apple Net Profit Margin (%)

          2023: ~24.5% – 26.2%

          2024: ~23.9% – 26.4%

          2025: ~24.3% – 27.0%

          So it's in line with their previous years.

          • 0
      • AustriaBargain on 03/07/2026 - 12:38

        Science fiction writer Charles Stross proposes that the amount of GDP we are devoting to computer memory today will be the lowest amount we ever do, and that over time the entire solar system economy will be devoted to the manufacturing of computer components. And one day we will devote trillions of dollars to converting entire planets into computer memory and virtually all wealth will be tied to the making or use of memory.

        • 2
        • shroomish on 03/07/2026 - 13:30

          Unless we do away with advertising.

          • 0
        • sekhon147 on 04/07/2026 - 00:14

          And Dyson Spheres. Lots of Dyson Spheres

          • 0
    • Hugh G Rection on 03/07/2026 - 12:45

      You don't have to buy it; it isn't for everyone.
      You might want to look at window products; they are a lot cheaper.

      its like complaining about Bentley prices when you can only afford a Holden.

      • 11
        • Hugh G Rection on 03/07/2026 - 13:50

          its a preference, it doesn't make you dumb. Why don't you stop worrying about what others buy and worry about what you buy.
          sure i would love to pay less for my Mac Studio with Pro Display, but it's fantastic and works for me. why are you so bothered by it and other people purchasing apple products?

          • 4
        • cheapfkr on 03/07/2026 - 17:03

          I guess you are right, holden could ship a software update without bricking the customer's device.

          • -1
        • p3r514n on 04/07/2026 - 11:47

          Don't bother. Apple fanboys think just because you own an Android phone or Windows laptop, you're a pleb. No, it just means you're not a stupid brainwashed sheep that burns money on overpriced products.

          • -3
    • Randolph Duke on 03/07/2026 - 14:23

      Not offering a standard M5 chip is definitely a choice.

      • 0
    • onyx981 on 03/07/2026 - 17:22

      The market is currently flooded with 3 groups that will pay these prices unfortunately and keep demand high enough for price increases to stick:
      - Other price gouging/large corporations similar to apple who can stomach these increases to upgrade machines for their workforce while claiming some of it back on tax
      - Boomers with paid off mortgages and excess disposable income
      - Young people who have given up on saving for a house, wedding, kids…etc and burn their disposable income/go into debt paying these prices irrespective of ridiculous price hikes

      • 0
  • ruztynail on 03/07/2026 - 10:29

    now see companies getting desperate and trying to grab money off consumers everyway possible.

    • 10
    • the-fuzz on 03/07/2026 - 10:49

      desperate by offering finance? Something that Apple has always done……….

      • 2
        • onyx981 on 03/07/2026 - 17:30

          Is this JV's alt account for when he's stoned or something?

          • 5
        • BargainBuddy on 03/07/2026 - 21:38

          Are you okey @taki?

          • 2
      • Fasian on 04/07/2026 - 19:15

        What's the difference between apple offering this via finance and getting this phone on a M2M contract and paying it off?

        • 0
  • JAF on 03/07/2026 - 10:35

    Seems like a good offer for those who need it (students maybe?) with 0% interest and no monthly fees - what’s the catch? Must be hidden fees or costs somewhere

    • 8
    • WwDesi on 03/07/2026 - 10:41

      lol students this days got more money I doubt it’s from them …

      • -4
    • the-fuzz on 03/07/2026 - 10:49

      There is no "hidden" fees etc, Afterpay gets a commission and Apple gets to sell more stock

      • 7
    • nebula9 on 03/07/2026 - 10:49

      the catch is the had massive price rises this week (because memory is so expensive thanks to ai), so nobody wants to buy

      • 1
    • 87percent on 03/07/2026 - 10:55

      I mean, people don’t NEED a phone 17 Pro, or a MBP

      • 1
      • topherboi on 03/07/2026 - 14:55

        They are two products of many offered by Apple.

        No one really needs anything.

        • 0
        • Daabido on 03/07/2026 - 19:10

          Water, food, shelter, chocolate.

          • 0
    • squattington on 03/07/2026 - 11:04

      But I NEED my M5 Pro MacBook pro to write uni assignment and scroll Instagram

      • 1
      • smartazz104 on 03/07/2026 - 19:33

        Like how people need a 5070 and 32GB of ram to check their emails.

        • 0
    • noisymime on 03/07/2026 - 11:18

      The 'hidden' fees are just built into the price now with the recent increases.

      • 0
    • RedPanda on 03/07/2026 - 11:43

      Doubt there is a hidden cost. They are saving by not loosing any margin selling via retail stores like Jb, Harvey etc

      • 1
    • cerealsmok3r on 03/07/2026 - 13:07

      probably high fees when you miss. banks make a lot of money this way

      • 0
    • BertieBrown on 03/07/2026 - 16:05

      Mainly people not meeting their repayments by the end of the term is the attraction for the lender and liability for the borrower.

      That’s the main issue, and even though it seems really obvious not to get caught by that trap many, many people do.

      Ultimately Apple and other companies just want to sell their stuff and AFAIK this is effectively a credit card term so Apple get their money, the finance company gets a kick back with the added opportunity to absolutely rinse anybody who doesn’t pay off the loan by the end of the term in insane interest rates.

      • 2
      • RBZ10 on 03/07/2026 - 20:55

        And given afterpay has a 10%-15% default rate by special ppl that like having more problems this will be 🍿

        • 0
  • Esteban5150 on 03/07/2026 - 10:47

    So does this process a whole new credit check or does this process the same as usual with Afterpay txns

    • 1
    • jbj123 on 03/07/2026 - 10:50

      This is the most important question, assuming you can afford it in the first place. Smoothing cashflow makes sense if you can responsibly manage it, but not at the cost of a credit enquiry.

      My guess is that this is considered a new separate afterpay limit, so it would attract a new enquiry loaded against your name

      • 6
      • Esteban5150 on 03/07/2026 - 12:43

        Yea it needs more clarification. I have a $3k limit on Afterpay which I applied before they made the credit check part of the process.
        Perfect repayment history but if im getting enquiries on every large purchase like this im giving it a miss.

        I dont even want to get the Afterpay Card because of the credit check.

        I have a really good credit check btw but I would not want to have it affected over afterpay enquiries.

        • 0
        • safrane on 04/07/2026 - 14:02

          It's a big problem with Afterpay with interest rates being relatively high (while in effect offering 0% financing for you), and higher default risk. It's almost as if they don't want you to take advantage of the financing unless you're a low enough risk and they get a decent commission, like in this case with Apple.

          But of course if no one uses Afterpay, the company folds.

          • 0
      • thevans101 on 04/07/2026 - 12:35

        AfterPay's page on it seems to make it clear that it's an entirely separate offering to their regular Pay in 4 product:

        Am I eligible for Pay Monthly?
        To be eligible to apply for Pay Monthly, you need to:

        • Be an Australian resident aged 18 or over
        • Have a regular income
        • Have an active Afterpay account (Pay in 4) in good standing
        • Link an Australian-issued debit card (credit cards aren’t accepted for Pay Monthly)

        We’ll assess your income, expenses, and financial commitments, and carry out a credit check through Experian. Afterpay performs credit checks to help fulfil our regulatory obligations in Australia.

        Spend limits

        Your Pay Monthly spend limit ranges from $1,000 to $20,000. It’s decided separately from Pay in 4. Having a Pay in 4 account doesn’t guarantee approval for Pay Monthly.

        The minimum limit shown during your application is based on your Apple cart size (you can’t select a limit lower than what you’re purchasing). The maximum is $20,000 for everyone.

        Your Pay in 4 and Pay Monthly spend limits are separate from one another. If you spend using Pay Monthly, only your spend limit for Pay Monthly will be affected, and vice versa.

        • 0
    • AustriaBargain on 03/07/2026 - 12:39

      Or does Afterpay determine it based only on your Afterpay history? I didn't even know Afterpay had any terms longer than two months or had monthly payments with 0% interest or fees.

      • 0
  • edfoo on 03/07/2026 - 10:48

    Are Apple products becoming so expensive we have to take out a loan?

    • 1
    • prisonmike on 03/07/2026 - 11:07

      You can even Afterpay your next pizza.

      • 1
      • taki on 03/07/2026 - 11:23

        Both bring similar short pleasure…Until you see the bank balance;) Your 1st home savings gone :(

        • -4
        • edfoo on 03/07/2026 - 18:07

          No, I don't believe people are so stupid enough to spend on all these expensive electronics and gadgets, then whinge about not able to afford their first home deposit, are they?

          • 0
    • Elyxar on 03/07/2026 - 12:22

      Buying outright and getting a cheap sim is the cheapest way to buy the latest phone. This makes the outright part more accessible. Paying $39+ monthly for network access when you don't need 100gb is where you lose most.

      • 4
    • Hugh G Rection on 03/07/2026 - 12:47

      It's an option for the poor.

      • -7
      • dosada on 03/07/2026 - 13:12

        Come down from your high horse. Your arrogance is amazing.

        • 2
        • Hugh G Rection on 03/07/2026 - 13:44

          Your intelligence is amazing. Please define poor. Get out of your feelings; facts don't care about your feelings.
          people that can afford it don't need to finance.
          Just like a house, most can't afford one. a million dollar house financed after 30 years will cost you over 3 million.

          • -4
          • smartazz104 on 03/07/2026 - 19:34

            @Hugh G Rection: After 30 years that house might be worth more than 3 million though…

            • 0
            • Smol Cat on 03/07/2026 - 23:09

              @smartazz104: Yeah… but you also had the benefit of living in a million dollar house for 30 years of your life and probably raise a family in it. What of it? There’s intangible benefits to these things. Not everything’s a dollar value

              • 0
    • DryScissors on 04/07/2026 - 06:00

      They’ve always had latitude finance

      • 0
  • strdrv on 03/07/2026 - 10:49

    apple knows they increase it too much

    • 2
    • raybies on 03/07/2026 - 16:27

      nvidia set the trend…

      • 4
    • DryScissors on 04/07/2026 - 06:00

      It was a global increase. Afterpay deal was in the works long before

      • 0
  • YoursTruly on 03/07/2026 - 10:50

    Apple has introduced a new financing option via Afterpay Pay Monthly, offering 0% interest and no monthly fees for up to 24 months on eligible Apple purchases.

    Appears to be a move, perhaps due to fewer people biting their inflated and partly bitten apples.

    lol

    • 0
  • plmko on 03/07/2026 - 10:57

    Ahhh do you smell that? Nothing like a big fat loan to start your financial year.

    • 2
  • vasdog123 on 03/07/2026 - 10:59

    and a new normal is made where people can justify up to $4k for a phone

    • -2
    • Laserface on 03/07/2026 - 11:59

      what phone costs 4k?

      • 5
      • jmc787 on 03/07/2026 - 18:56

        Possibly the iPhone fold thats coming in September

        • 0
      • vasdog123 on 03/07/2026 - 22:16

        you can buy a maxxed out iphone for $3.8k, but i was moreso thinking about future prices of phones. it wasnt long that over 1k was unheard of

        • 0
  • justtoreply on 03/07/2026 - 11:07

    Just a way of trapping people into thinking they can afford the purchase

    • -2
    • Fredfloresjr on 03/07/2026 - 11:13

      Why worry with other people when they are not spending your money? I'll be worried if Gov't is subsidising the interest rate. Lol

      • 3
      • wetsandwich on 03/07/2026 - 11:50

        Borrowing for consumption now essentially causes inflation now. So all the Kmart mums buying stuff they can't afford on Afterpay raises the prices for all of us.

        • 0
        • Fredfloresjr on 03/07/2026 - 11:56

          Tbh, last thing I need to worry is how people spend their money. By the end of the day, we have leaders spending Millions for Machete bins.

          • -5
        • Big L on 03/07/2026 - 13:25

          Yeah, Kmart mums are the big issue of the economy

          • 0
    • Hugh G Rection on 03/07/2026 - 12:48

      like houses and cars?

      • 0
      • justtoreply on 04/07/2026 - 14:59

        You buy cheaper houses, cheaper cars, based on what you can afford.

        I suggest you buy cheaper phones too.

        • 0
    • p3r514n on 04/07/2026 - 10:00

      But how else can we flex in front of Android plebs to portray a false image of wealth? We need to be validated in society. The girl I'm trying to date won't like me if she sees a green SMS bubble. Are you telling me I shouldn't get my accountant to fake my income so I can finance a new AMG? I don't think you understand, people need to look up to me, they have to wish they were me.

      • 0
  • NonSense on 03/07/2026 - 11:11

    no thank you

    • 3
  • rrrrrrein on 03/07/2026 - 11:14

    Honestly not too bad if you prefer keeping your cashflow smooth and want to let inflation do a bit of the heavy lifting over 24 months. If there's no extra charge or hidden fees on top of the retail purchase price, it’s a win. About time we got this in Australia. Apple China has had this kind of partnership with the major banks for years now, offering 12 and 24-month instalments with zero interest and zero fees.

    • 21
    • pitufon on 03/07/2026 - 11:17

      Exactly my thoughts.

      • 2
    • JAF on 03/07/2026 - 11:20

      Is it worth the credit check enquiry though? Surely not

      • 5
      • DryScissors on 04/07/2026 - 06:02

        Credit checks aren’t a scary thing. Just don’t do more than 1-2 every 6 months and you’ll be sweet

        • 0
      • Fasian on 04/07/2026 - 19:17

        Credit in australia is not as big as a deal compared to the US.

        • 0
    • dontpanic on 03/07/2026 - 11:26

      You'd also earn around $150 in interest on a $5000 purchase if you kept the unpaid amount in a high interest savings account.

      • 3
      • Fredfloresjr on 03/07/2026 - 11:47

        Or #4 race 6 tomorrow, currently paying $7 = $5000 x 7 = $35000 in less than 24 hours. Easy

        • 2
      • Autonomic on 03/07/2026 - 12:09

        Check my calculation:

        5000(1.055^2-1)0.68=$384.6 after tax (assuming you earn under $135k).

        • 0
    • AustriaBargain on 03/07/2026 - 12:40

      Presumably there's no way to price match though so you have to pay RRP.

      • 1
    • IMadeYouReadThis on 03/07/2026 - 12:58

      but you can get Apple products for at least cheaper than 10-15% than Apple at JB or PB at OW. AFAIK, Apples doesn't price match those offers so are you not essentially paying premium price at Apple?

      PS. I haven't bought at Apple for years due to the price difference they have compared to buying it from Costco, JB or OW.

      • 3
    • rpb on 03/07/2026 - 14:37

      But you miss paying with discounted gift cards. You loose the 10% discount

      • 1
    • Cheaplikethebird on 03/07/2026 - 15:10

      This is great because it means they're no longer forcing struggling people onto the absolutely shonky Latitude Finance if needing credit which was previously the only option.

      • 2
    • Fasian on 04/07/2026 - 19:16

      With 0% interest, and you are planning to buy it. It's a no-brainer. You make a bit of money with that money in a HISA.

      • 0
  • jaysonphillips on 03/07/2026 - 11:15

    I'm gonna guess it's because comparatively, Apple products are looking more look like semi-luxury purchases and cheaper competing brands are now viewed more competitively. Gets more people in through the door into their ecosystem, which promotes future purchases.
    I bought a pixel phone years ago, loved it and got stuck in their ecosystem. Might have been different if Apple was cheaper at the time

    • 0
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