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Anyone here used Apple's financing thing?

flibberdipper
By flibberdipper
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Title describes most of my question. Reason being, if my grandma or I were to get a Mac Mini coming out to $728 USD, it would fall into the 12-month financing category. So... How much would have to be paid per month? Her credit is in good standing (probably a 600 or higher, if my guess is correct), so there's that. More info on their financing can be seen here. http://store.apple.com/us/browse/finance/instant_credit

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the price will be divided by 12 and most likly a bit of interest will be aded on also if you go o school you can get a discount via entering your school up to 100 dollars

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To avoid interest at 12 months = Price divided by 12 so about $61

 

23% apr on 12 months if just minimum payment would be $99 in taxes, 24% would be about $103 and 25% would be about $107.

 

This would be considered an Apple credit card and VERY much NOT worth it

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I would assume that you just divide the total cost of the Mac Mini by the number of months. $728/12 months = ~$61 a month. That's what I did with my Nexus 5, it costs $450 (T-Mobile jacked up price :P), and I have a pay plan for 2 years, so I pay $17 a month. I still technically own my phone yet, since I've only owned it for one year. 

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If she has the lowest APR allowed, around $80 from what I can tell.

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Title describes most of my question. Reason being, if my grandma or I were to get a Mac Mini coming out to $728 USD, it would fall into the 12-month financing category. So... How much would have to be paid per month? Her credit is in good standing (probably a 600 or higher, if my guess is correct), so there's that. More info on their financing can be seen here. http://store.apple.com/us/browse/finance/instant_credit

AVOID THIS! Look at the APR 22.99% or 26.99 % That is like using a credit card. This is why poor people pay $4000 for a $1500 couch... In other wards you will pay a lot more than the item is worth. These are the types of things that partially led to 2008.

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This is why you save up for things. You'll save money if you just put that $80 in the bank every month until you have enough to buy the computer in one shot.

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It is no better or worse than any other branded CC.  Pay it off within the promotional period and it is a good deal.   Go past that and you are going to be paying a lot more.  

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Nope when I bought my only MacBook it was with a compusa store card. Sigh I miss that store. tears. Well im off to microcenter. Sht it's 930 oh well.

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I actually signed up for finance just to try it and was declined by myself and with a cosigner. Weirdly, I signed up for newegg and got instant approved for 2K.

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there may also be a financing fee on top of the interest,  best buy charges like $200 to finance something in addition to interest.

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To avoid interest at 12 months = Price divided by 12 so about $61

 

23% apr on 12 months if just minimum payment would be $99 in taxes, 24% would be about $103 and 25% would be about $107.

 

This would be considered an Apple credit card and VERY much NOT worth it

 

The company providing the credit is Barclay's.

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