Frequency of Apple's 12 mos interest-free financing?

Discussion in 'Buying Tips and Advice' started by reubs, Apr 26, 2009.

  1. reubs macrumors 68000

    Joined:
    Jun 22, 2006
    #1
    I'm in the market for a new laptop within the next few months, but I've noticed that Apple's running an interest-free financing until the end of April. Previously I was under the impression that any purchase with a new Apple Juniper card was interest free for a period, but it appears this 12 mos deal is a special offer.

    My question is this: how often have folks seen the 12 mo offer roll around? Annually? Twice a year? More often?

    And before any starts in on the "save up for it", I've heard it. "Saving up for it" doesn't necessarily help build credit, and since we know the funds are there for a quick short financing period that's why I'm doing it this way.

    Thanks for any info you can share!
     
  2. sn00pie macrumors 6502a

    sn00pie

    Joined:
    Jun 25, 2008
    Location:
    United States
    #2
    I'm not familiar with Apples financing packages. From what I've seen if you want financing usually Best Buy is the way to go. They offer plans from 3 months, 12 months, and 24 months. No interest, equal payments. Their are usually administrative fees upfront for the 12 and 24 month financing plans.

    If you don't pay it off then you get dinged with 28% interest.
     
  3. hoonu macrumors regular

    Joined:
    Sep 2, 2008
    Location:
    Orange County, CA
    #3
    Can you get BTO iMacs there? I want a 2.93 with a 4850 but Juniper stories are swaying me to another option.
     
  4. reubs thread starter macrumors 68000

    Joined:
    Jun 22, 2006
    #4
    Not sure. I was thinking apple b/c I wanted to go with refurbs, save some cash, and really get some stuff I need to network the house with the two notebooks we'll have.
     
  5. hoonu macrumors regular

    Joined:
    Sep 2, 2008
    Location:
    Orange County, CA
    #5
    The 4850 is a must for me since I plan to game a little on it. If Best Buy can do the BTO... I should probably just order from them.

    I don't understand why it takes so long for a reply on the card app. I applied yesterday and Im still waiting. I can get approved to buy a car same day but they can't get this figured out?
     
  6. trevpimp macrumors regular

    trevpimp

    Joined:
    Apr 16, 2009
    Location:
    Inside A Mac Box
    #6
    Yeah I was thinking about BestBuy too.

    But theres reasons to not go to bestbuy.

    If you dont pay it off they charge you with like 28% interest :eek:

    You dont get student discount. And the extra warranties are like twice the amount as Apples with student discount. And BestBuy's 2 Years doesn't start after apples warranty. It starts as soon as you buy it. So getting a 2 year is worthless because you can just add 1 year for half the price (at apple).

    I would say to just stick with Apples 12 Month.
     
  7. lasermn macrumors newbie

    Joined:
    May 3, 2009
    #7
    Juniper Problems

    Think before you apply for or obtain a Juniper/Barclays Bank Vista credit card thinking you will be approved for 12 months 0% financing:

    Here is a list of message boards with people complaining about Juniper, for years & years & years:

    • http://forums.macrumors.com/showthread.php?t=400493
    • http://www.complaint.tv/juniper-1378.html
    • http://discuss.pcmag.com/forums/thread/1004421876.aspx
    • http://www.my3cents.com/showReview.cgi?id=44821
    • http://www.ripoffreport.com/reports/...Off0401725.htm If you don't use your Juniper iTunes Rewards VISA (issued by Barclay's) for an entire year, they close the card and report to the credit agencies that you requested to close it.
    • http://www.democraticunderground.com...ss=105x2565575
    •http://www.epinions.com/msg/sec_~for...~1/pa_~1?nli=1

    http://www.ripoffreport.com/reports/...Off0454685.htm Report #454685 BAIT & SWITCH

    http://forums.macrumors.com/showthre...66#post7695766
     

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