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Financing?
- Thread starter baxingo
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It depends on if you pay your balance off every month or not. You're looking at a 23% variable interest rate from the Barclaycard via Apple.
See here for more: Apple Financing
Looks like they have a 6 month and a 12 month promotional period.
Be sure to read the fine print.
See here for more: Apple Financing
Looks like they have a 6 month and a 12 month promotional period.
Be sure to read the fine print.
Amazon has 24 months interest free with their Amazon card. I just bought a 13" i5 Macbook Air with it. Pretty suit deal.
If you are going to buy a computer this way, you need to pay it off before the end of the no finance charge period. DO NOT make only the minimum payments. You will be paying forever and pay 2X the original cost of the computer.
http://www.amazon.com/gp/cobrandcard/marketing.html?place=url&inc=24mo&pr=conplcc&plattr=pc24m
If you are going to buy a computer this way, you need to pay it off before the end of the no finance charge period. DO NOT make only the minimum payments. You will be paying forever and pay 2X the original cost of the computer.
http://www.amazon.com/gp/cobrandcard/marketing.html?place=url&inc=24mo&pr=conplcc&plattr=pc24m
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No. You can get a credit card from anybody and use that to buy your Mac.
Personally, I think its better to save your money and pay cash for it. Or put it on the credit card and then immediately pay the full amount off on the next CC bill.
Personally, I think its better to save your money and pay cash for it. Or put it on the credit card and then immediately pay the full amount off on the next CC bill.
Yes. Apple is not giving you the credit. Barclay is. You need to apply and be approved by them. They can approve you instantly but so can the Amazon card.
This is how I financed my Air. I'm about 90% I'll have it paid before the first 12 months is over, but it's nice to have the option of going low on a month if necessary
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This is how I financed my Air. I'm about 90% I'll have it paid before the first 12 months is over, but it's nice to have the option of going low on a month if necessary
Be careful here. If you don't have it 100% paid off by the end of the 12 months then they charge interest from day 1 on the unpaid amount (at least I think it's just the unpaid amount - check the agreement or call Barclays to be sure). Also, don't miss a payment since that will end the promotional rate, too. Set up an automatic payment with your card, and set lots of reminders on your iPhone, iPad, Mac, physical calendar, and refrigerator if you need to in order to make sure that you have it paid off by then.
Note, too, that it's 12 months from the purchase date, which might not (probably doesn't) fall on a normal payment due date, so take that into account, too.
The way these card companies make money is two-fold. First, they take a percentage off the original purchase price (usually about 2%) from what they pay to Apple. They also assume a certain percentage won't pay off on time and will be charged the exorbitant rate of interest from day 1.
I know
--The financing is for 24 months. I meant that I'm pretty sure I can pay it off within a year, but it's nice to have that flexibility.I know
OK. I didn't read it closely enough and thought you were talking about the Barclays plan, which is 12 months.