Apple plans monthly interest-free Mac, iPad payment plans for Apple Card

Apple is planning to allow customers to buy many of its products, including Mac, iPad, AirPods, etc. using monthly payments via Apple Card. The new payment plan will let customers buy a product through Apple and split up the cost over several months with interest-free payments.

Created by Apple and designed for iPhone, Apple Card brings together Apple’s hardware, software and services to transform the entire credit card experience.
Created by Apple and designed for iPhone, Apple Card brings together Apple’s hardware, software and services to transform the entire credit card experience.

Mark Gurman for Bloomberg:

The Cupertino, California-based technology giant is planning to roll out the service in the coming weeks, according to people familiar with the plan.

The company will offer a 12-month interest-free payment plan for iPads, Macs, the Apple Pencil and iPad keyboards, as well as the Mac XDR Display monitor, and six months with no interest for the AirPods, Apple TV, and HomePod, the people said.

The payments will be managed through the Apple Card section in the Wallet app on the iPhone and charges will be added to a customer’s monthly Apple Card bill. Apple started a similar program for the iPhone last year, offering 24 months no interest.

MacDailyNews Take: Monthly interest-free Apple Card payment plans for Mac, iPad, and more sounds like a good idea in a global economy wracked by COVID-19 shutdowns.


  1. With a mid-level Mac Pro retailing for about fourteen-thousand dollars plus another seven thousand for display and stand not to mention Apple Care, a Mac-Pro system can approach the price of a new car. I hope Apple realizes that credit limits will have to increase accordingly.

    1. credit is extended by banks based primarily on the consumer ability to pay. it has nothing to do with the extremely overpriced stuff a person could attempt to buy if he had the money.

      1. Yes, Apple may aim its program at less costly products. I suppose we will know soon enough. But don’t despair. Apple and Goldman have already agreed to offer additional financial products later on. And if talks fail ,Apple could always extend its Apple Financial Services and lease programs to non-business consumers. In any case, my comment was directed at Apple on the off chance representatives of the company read MDN, in order to make my pitch for the high end.

  2. Oooh, perhaps a new iPad.

    An aside and a warning. There are sealed iPod Classics coming out of China that are listed on eBay and many of them are refurbished and then resealed. Read some of the review comments and the fine print on some of the listings. Example: serial numbers are incorrect, units have been checked and then resealed and some are “Like brand new”. Ask for serial numbers and original receipts if you want to purchase one of these units. If they’re way below market prices then they’re a reason they are so cheap.

    1. Thanks for the warning on iPod Classics. I wonder where the market is for that device given that the iPhone can perform the functions way better. It does not seem a good investment as a tech antique since the battery will eventually die and probably leak (or worse) over time.

      1. Yeah, I guess the Lisa is a bad investment as well. It’s all a matter of supply and demand. I still have all my original iPods and one iPod Classic (7th Gen. 160GB) in it’s original sealed packaging, together with a receipt from September 2014. The going price for these units is between $US700 and $US1000. That’s why I found out about these Chinese ripoffs. I’m still reluctant to sell it so it sits in a clothes drawer, sadly neglected but not forgotten.

        IMHO when it came to searching for music the click wheel absolutely kills the search function of an iOS device (and I’m using an iPod Touch as a music server). Sure the Classic is limited in what it would do (video and pictures etc.) but it was ultimately a classic one trick pony…music!

        Let’s not forget this was the second cab off the rank that put Apple back on the map. First there was the see through iMac and then came the iPod. This in turn paved the way for the iPhone and the rest, as they say is history.

      2. The iPhone is like a toaster fridge, it does a lot but not much of it very well. The Music app is probably my least favorite, it’s unintuitive and clunky. I’m not going to carry an iPod separately but my 15-year old iPod Nano was a joy to use in comparison. No wonder Apple axed that 3rd party app that simulated the click wheel. They don’t want people to realize how far downhill their design and execution has fallen.

        1. I’m actually getting my iPod Nano replaced so I can enjoy a new battery. Apple has a “like for like” replacement for the Nano (for a moderate replacement fee of $AUS108).

          What I like about the Nano is that it weighs next to nothing and has a decent amount of storage. For walking and running (and I’m into the former) it really does the job. It has a pedometer and bluetooth and it doesn’t have the limitations of the fully blown iOS interface.

          I totally agree with you about the click wheel interface. I really don’t know what Apple has against it except to admit that they didn’t get it right with the downward/upward scrolling which really does overwhelm your eyesight.

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