Is Bill Me Later Worth It?

Discussion in 'Buying Tips and Advice' started by Finnxeon, Sep 8, 2006.

  1. Finnxeon macrumors regular

    Finnxeon

    Joined:
    Aug 20, 2006
    Location:
    Vermont
    #1
    So I really want to order my iMac but i don't quite have the funds.....300 to go......i see they have a bill me later option......do you think its worth it, or should i just wait till i have the money......i guess i am just way over excited about the recent update and it has sent me over the edge, I WANT MY MAC NOW!!! lol

    but really, would anyone recommend it?

    Thanks in advance
     
  2. miles01110 macrumors Core

    miles01110

    Joined:
    Jul 24, 2006
    Location:
    The Ivory Tower (I'm not coming down)
    #2
    Just wait until you have the money. It's hard, but tough it out.
     
  3. emptyCup macrumors 65816

    emptyCup

    Joined:
    Jan 5, 2005
    #3
    I think not buying things you can't afford is a good habit to get into. Plus, if there are any problems with the new machine (which is the one I assume you want), they will come to light by the time you have the money. Best wishes.
     
  4. xfiftyfour macrumors 68030

    xfiftyfour

    Joined:
    Apr 14, 2006
    Location:
    Clemson, SC
    #4
    i know the temptation to use credit, but really it's better to wait until you have the cash. paying interest on a computer is silly, since you'll end up paying MUCH more for the computer than it's worth.

    Though, to be fair, if you were just financing 300 it won't be as bad as if you were financing the entire computer.
     
  5. dukebound85 macrumors P6

    dukebound85

    Joined:
    Jul 17, 2005
    Location:
    5045 feet above sea level
    #5
    well if your gonna get it for sure then whats the difference? If you pay the balance out in full it will cost the exact same

    assuming you get the 300 within the month lol
     
  6. Finnxeon thread starter macrumors regular

    Finnxeon

    Joined:
    Aug 20, 2006
    Location:
    Vermont
    #6
    yeah and just to mention.....i really will be toughing it out because....right now i have been forced to use a 533mhz compaq 64mb circa 1999......they always say "if you need it buy it" i need it but i guess i can tough it out.....i'll try.....but you should see this thing try to play a video....omg, it won't even start.....thats ok though...i'll get over it:(

    thanks!:)
     
  7. Finnxeon thread starter macrumors regular

    Finnxeon

    Joined:
    Aug 20, 2006
    Location:
    Vermont
    #7
    yeah.....very true, totally forgot about that! Well, i should have the 300 in the next 2 months so i guess paying a little extra financing for one month isnt gonna kill me....yay!

    we'll see....i kinda need the imac for school anyways...i'll sleep on it

    thanks
     
  8. Finnxeon thread starter macrumors regular

    Finnxeon

    Joined:
    Aug 20, 2006
    Location:
    Vermont
    #8
    it's not that i cant afford it, i definately can no problem....i just had other bills to pay this month so i have to build up my stash again:) but actually i just want the 17 inch model, not the cheap one but the next one up....i don't need anything too grand
     
  9. miles01110 macrumors Core

    miles01110

    Joined:
    Jul 24, 2006
    Location:
    The Ivory Tower (I'm not coming down)
    #9
    I think it's safe to say that we've all been in the situation you are currently in, albeit for different things. Just remember...life goes on. When you look back, it won't seem like that long of a wait.
     
  10. After G macrumors 68000

    After G

    Joined:
    Aug 27, 2003
    Location:
    California
    #10
    Wait it out. No reason to have debt.

    Don't forget tax :eek: :p

    And I remember having a 500 MHz Celeron for the longest time ... mplayer rocks.
     
  11. Finnxeon thread starter macrumors regular

    Finnxeon

    Joined:
    Aug 20, 2006
    Location:
    Vermont
    #11
    i figure that if the shipping takes as long as it has been taking for some people....maybe if i ordered now...i could have it paid off by the time i get it ! lol wow that would be sad...yeah i will probably just wait....or get a loan from dad:)
     
  12. adamyoshida macrumors regular

    Joined:
    Jul 10, 2006
    #12
    $300 left?

    Finance it. Buy the damned thing.

    It'd be different if you, say, wanted a 17" MacBook Pro and had $20. But if you're $300 short, and you're good with money, I say finance it. Especially if you're using as crappy a computer as described.
     
  13. Finnxeon thread starter macrumors regular

    Finnxeon

    Joined:
    Aug 20, 2006
    Location:
    Vermont
    #13
    I 100% agree with you......THANK YOU SO MUCH! you have made my day by helping me with my decision:D and tomarro is iMac day!!!!!! Yippeeeee!
     
  14. Apple2Mac macrumors regular

    Apple2Mac

    Joined:
    Sep 3, 2006
    #14
    If your going to finance it I run a apple user group whose sole purpose is to help finance new mac purchases. We have much better rates than Apples Financing and better rates than credit card financing. I welcome all questions about our group:
    Group Home Page Mac Lenders
    Financing Group Page Apple User Group on Prosper
     
  15. milozauckerman macrumors 6502

    Joined:
    Jun 25, 2005
    #15
    I'd double-check their offers. Similar services (Paypal Buyer Credit, the Amazon Credit Line or store credit cards) often offer a six-months/nine months/full-year no-interest option over a certain amount, but I've never looked at BML.
     
  16. DavidLeblond macrumors 68020

    DavidLeblond

    Joined:
    Jan 6, 2004
    Location:
    Raleigh, NC
    #16
    If I read the terms right, the first 3 months of the Apple loan are interest free. So if you can get it paid off in the first 3 months, go for it.

    If you really need to finance a Mac (I'm financing mine... not that I can't afford it, but I'd rather my immediate cash go toward mortgage) and may not pay it off in the first 3 months, get a loan elsewhere. If you are a member of a credit union, then get it there.
     
  17. mduser63 macrumors 68040

    mduser63

    Joined:
    Nov 9, 2004
    Location:
    Salt Lake City, UT
    #17
    I had to save for a few months to buy my 20" iMac which I finally got in June. I'm glad I did. Instead of being in debt and struggling for 2 weeks after buying it, I was able to buy it with plenty of money left over for software, AppleCare, etc.
     

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