- Apply online for a line of credit with Creation. Get a quick decision without impacting your credit score. Footnote Use your account today and for future Apple Store purchases no need to apply again.
- We offer a range of term options for each eligible item. Other items will be billed as a one-month instalment at 0% interest. Footnote
- If you add a trade-in, well give you instant credit for it, reducing the amount you finance. Footnote **
- For offers with an upgrade option, well close your loan if you come back to trade up. Learn how upgrade works
Financing offers with 0% interest rate are also available with PayPal Credit. Footnote * See details at checkout.
Example purchase with a Flexible Finance Account by Creation
A Flexible Finance Account is a line of credit provided by Creation for purchases from Apple. Once opened, you can use it for multiple orders.
Representative example
12 mos. at 14.9% APR (variable)
- Purchase amount
- 1,200.00
- Rate
- 14.9%
- Interest rate (variable)
- 14.9%
- Term
- 12 months
- Monthly Payment
- 107.72
- Total cost of interest
- 92.73
Illustrative examples
36 mos. at 14.9% Interest
- Purchase amount
- 1,200.00
- Rate
- 14.9%
- Interest rate (variable)
- 14.9%
- Term
- 36 months
- Monthly Payment
- 40.99
- Total cost of interest
- 275.64
36 mos. at 6.9% Interest
- Purchase amount
- 1,200.00
- Rate
- 6.9%
- Interest rate (variable)
- 6.9%
- Term
- 36 months
- Monthly Payment
- 36.88
- Total cost of interest
- 127.68
36 mos. at 0% Interest
- Purchase amount
- 1,200.00
- Rate
- 0%
- Interest rate (variable)
- 0%
- Term
- 36 months
- Monthly Payment
- 33.33
- Total cost of interest
- 0.00
- Get an instant decision and have your order shipped directly to you, or choose to pick it up from an Apple Store or local pickup point.
- Choose an instalment period of 4 equal monthly payments at 0% interest rate p.a fixed. 99 minimum order
- With a one-off application process, once approved, theres no need to apply again for future purchases.
- 6, 12 , 18 or 24 equal monthly payments instalment period also available at 14.9% interest rate p.a fixed for the duration of the plan.
- Any outstanding balance after the end of the instalment period will revert to the standard variable rate.
Instalment example: A 500.00 purchase split over 4 monthly payments at 0% (fixed) would cost 125 per month. Total amount payable 500.00.
Representative example: 1,200 assumed credit limit, purchase rate 23.9% p.a. standard variable rate, representative 23.9% APR (variable).
How to Get Started.
Simply shop online at apple.com and select the Pay Over Time option at checkout.
