Financing with Apple, what happens if I'm declined?

[Shrink]

This.

Though to briefly respond to some of those that have provided their opinion on the subject of financing however despite me not really asking for it, I will just say that regardless of how you feel towards financing, not everyone in this world is graced with the sort of disposable income certain people appear to have, financing may well be a more expensive way of paying for something but it spreads the cost, and it enables those less fortunate to buy products they would normally have to save up years to get.

And never judge a book by it's covers; some of us are hard up or worse; in debt, thru no real fault of our own. It could be due to a mountain of unexpected bills, house maintenance, rent or mortgagee payments, being made redundant and having to take a much lower paying job as a result... et cetera.

While what you say is absolutely true, and very unfortunate, it does effect the individual's ability to repay a loan, and an institution extending an unsecured loan checks credit scores to assess the risk involved in making the loan.

 

[NewbieCanada]

We're here to help OP with his question not to be his financial adviser.

But to answer your question, if they have a 0% offer it's not a bad deal if you don't have access to the cash at the time.

Or even if you do. (Assuming it’s a true, no-strings 0%). If you can pay $600 in 3 months instead of now, why not?