Until then, we were sometimes entitled, at Apple, to the possibility of buying our Mac or iPhone on credit,with an interest rate of 0%. This free credit offer was actually not permanently offered on the Apple Store. On the other hand, the Californian firm offered, all year round, the possibility of making a purchase in its store using credit with an interest rate close to 10%.
But in recent hours, there has been a change in this area. Now, Apple offerstwo forms of 0-rate financingon the majority of its products: payment in 24 installments and payment in 4 installments.
© Apple
Apple provides credit, and soon rental?
In fact, as indicated byweb page of the Apple site dedicated to new free financing offers, you can benefit from payment in 24 monthly installments only for purchases costing more than €250, and only for the following products:
- iPhone
- iPad
- Apple Watch
- Magic Keyboard
Payment in 4 installments is reserved for purchases costing between €40 and €4,000 and for the following products:
- iPhone
- iPad
- Apple Watch
- Magic Keyboard
- Smart Keyboard
- Folio
- Smart Folio
- Apple Pencil
These financing offers are supported by Alma, a service specializing in purchases with payment in installments. Please note, however, thatMacs are obviously not included here. So you can't buy a MacBook Air M2 in 24 installments free of charge from Apple... Too bad! The same goes for all AirPods or even the Apple TV and the HomePod mini.
However, you must remain cautious with this type of financing, even at zero interest. Remember that it is above all acredit, and that by making a purchase of this kind with spread payment, you are committed to paying until the last euro due.
And then, this major change at Apple obviously brings to mind the rumor according to which the Californian firm will consider in the medium or long terma rental system for its products, with which you will have to return the device in the event of termination of the rental contract, similar to long-term rental offers for cars, which have become increasingly popular in recent years. There remains also the fear that Apple will take advantage of these new means of financing to drastically increase the price of its products.
To read in particular:
- Some more details about the iPhone rental
- You will rent the iPhone and therefore not own it, according to Mark Gurman
i-nfo.fr - Official iPhon.fr app
By : Keleops AG
Editor-in-chief for iPhon.fr. Pierre is like Indiana Jones, looking for the lost iOS trick. Also a long-time Mac user, Apple devices hold no secrets for him. Contact: pierre[a]iphon.fr.
