Apple Loans System

[intempo808]

Hey,
I've wanted a MacBook for about 2 years now, but simply can't afford £699 in one go. So, i've been looking into these Apple Loans, provided by Clydesdale Financial Services Ltd. The loan sounds great and everything, and i can do the monthly payments etc.

I just dont know what to do, pay a little extra (interest) and use the loan, or save up (which i never manage to do) and buy it in the next few years.

Thanks for the advice

 

[Tallest Skil]

Save.

 

[Batt]

Hey,
I've wanted a MacBook for about 2 years now, but simply can't afford £699 in one go. So, i've been looking into these Apple Loans, provided by Clydesdale Financial Services Ltd. The loan sounds great and everything, and i can do the monthly payments etc.

I just dont know what to do, pay a little extra (interest) and use the loan, or save up (which i never manage to do) and buy it in the next few years.

Thanks for the advice

Just don't take longer than 2 years to pay it off.

 

[intempo808]

Ok,

I had a look into the loan system. Firstly, I get charged an extra 15.7% APR Typical. I then worked out that this was an extortionate £106 extra a year or something! And they call these APR rates "competitive"! Haha...

So, im saving for it. I already have £41.66, but, good thing is, my Dad has a business that "could benefit" form a MacBook, meaning I might be able to get it VAT free.

Also, all my money is being saved in savings account, so I earn about 5% interest on it

I WILL NOT SPEND THIS MONEY ON SOMETHING ELSE!!!