payment options

Discussion in 'Buying Tips and Advice' started by bbsniper, May 14, 2012.

  1. bbsniper macrumors newbie

    Dec 27, 2011
    I plan to buy the next imac at launch but I am still deciding how to pay, would it be better to pay on apple finance or get a credit card to pay for it?

    Being a student I want to avoid paying up front as much as possible but would like to be able to pay off early if possible. Can anyone give some advice on the pros/cons...
  2. GoCubsGo macrumors Nehalem


    Feb 19, 2005
    You have to research each card and the interest rate tied to each.
  3. SteelWheel macrumors member

    Apr 16, 2008
    If you qualify, you can get 12 month interest-free financing from BarclayCard on any purchase you make from Apple's online store. Early pre-payment is not a problem. Just make sure that you pay off the balance by the end of that twelfth month, otherwise you get whacked for the ridiculous 22.5% interest rate on the entire original purchase price, retroactive to the purchase date.

    As long as you're sure you'll be able to pay off the whole thing in a year, I think it's a great deal.
  4. ObsidianIce macrumors 6502


    Jun 1, 2004
    Seventh Circle of Hell
    definitely research credit cards. Especially if you get one that has 12-18 months no interest in order to get your business. I would also recommend getting one that offers "insurance" on your purchases. several companies have this and it's pretty comprehensive as well. If you break it, you just call your CC company, and they take the product and get you a new one. They offer this usually for 2-5 years which is pretty cool. Research is key!
  5. miles01110 macrumors Core


    Jul 24, 2006
    The Ivory Tower (I'm not coming down)
    Could you explain this a little more? How is it more desirable to avoid paying for your machine sooner than not?
  6. Mrs.candy macrumors newbie

    May 17, 2012
  7. CatsTide macrumors 6502

    Sep 16, 2012
    hmm...maybe I can help. Not everyone has loads of cash,especially students...

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