0% interest free finance Over 24 months on a range of Apple products - iPads included @ John Lewis & Partners - from £199
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0% interest free finance Over 24 months on a range of Apple products - iPads included @ John Lewis & Partners - from £199

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Refreshed 16th Jan (Posted 15th Jan)Expires on 07/03/2020
johnlewis.com/brand/apple/all-offers/_/N-1z13zz4Z1yzvw1q

This deal has come up again at John Lewis.

0% internet free finance on a range of Apple products - iPads included. Over 24 months.

Useful to spread the cost out and over a period if you don’t have the cash upfront.

Valid until 7th March the store sign says.
Community Updates
MODERATOR
0% APR Representative: Interest Free Credit over 24 months is available when you purchase qualifying products.
Terms and conditions apply.
To see all Apple lines with an Interest Free Credit offer click here

*Monthly payment quoted is to be used as a guide only and is subject to change based on daily pricing.
Ask in store to apply
For more information on Interest Free Credit click here

Available in our shops, or call 03456049049.

Eligibility
For us to consider your application, we’ll need you to:
  • be 18 or over
  • a UK resident for more than 12 months
  • have your own personal bank account from which we can take a direct debit
  • have an email address (so that we can send you credit agreement documentation)
  • be employed, self-employed, retired or in receipt of disability allowance. If you’re not working, we’ll need a cohabiting spouse or partner who can provide employment details

Conditions for price matching
johnlewis.com/cus…ing
We don't expect you to find a lower price at another high street competitor for the same individual product, sold with the same service conditions - but if you can, we'll match the price when you buy, or refund the difference for up to 28 days after you've purchased from us when you make a price match claim.
If you click through or buy, retailers may pay hotukdeals some money, but this never affects which deals get posted. Find more info in our FAQs and About Us page.

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Top comments
I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.
It would be silly too pay upfront if it’s 0%
jessica.lacey16/01/2020 11:26

I hope people aren’t getting into debt because they “must have” this stuff …I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.


£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £20pm.

I understand it’s all relative but as long as you understand what you’re doing and you can repay it, 0% finance is one of the most sensible ways to buy stuff.
Alasdair9116/01/2020 11:38

£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £ …£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £20pm.I understand it’s all relative but as long as you understand what you’re doing and you can repay it, 0% finance is one of the most sensible ways to buy stuff.


The problem is that people just assume that everything will continue as it is for years to come. It only takes something like illness or redundancy to throw a spanner in the works and suddenly, that £20 a month can be impossible to find! Never mind all the other debt that can start to pile up.
We are a nation of debtors, comfortable in debt, and don’t worry about contingencies. This is what these credit agencies hope for, ultimately placing you in to a lifetime of debt at their behest.
68 Comments
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I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.
I would say the majority of people will be getting into debt, generally for unneeded items.
jessica.lacey16/01/2020 11:26

I hope people aren’t getting into debt because they “must have” this stuff …I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.

jessica.lacey16/01/2020 11:26

I hope people aren’t getting into debt because they “must have” this stuff …I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.


£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £20pm.

I understand it’s all relative but as long as you understand what you’re doing and you can repay it, 0% finance is one of the most sensible ways to buy stuff.
jessica.lacey16/01/2020 11:26

I hope people aren’t getting into debt because they “must have” this stuff …I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.


Absolutely.

Personally I could afford to buy a tablet outright but often make use of these 0% deals. I’d never pay interest. I wouldn’t even notice £20-£30 coming out of my account.

It comes down to personal responsibility, knowing whether you can afford it and being honest with yourself if you can’t.
It would be silly too pay upfront if it’s 0%
Alasdair9116/01/2020 11:38

£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £ …£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £20pm.I understand it’s all relative but as long as you understand what you’re doing and you can repay it, 0% finance is one of the most sensible ways to buy stuff.


The problem is that people just assume that everything will continue as it is for years to come. It only takes something like illness or redundancy to throw a spanner in the works and suddenly, that £20 a month can be impossible to find! Never mind all the other debt that can start to pile up.
We are a nation of debtors, comfortable in debt, and don’t worry about contingencies. This is what these credit agencies hope for, ultimately placing you in to a lifetime of debt at their behest.
Is it in-store only?
conor.reid16/01/2020 11:42

It would be silly too pay upfront if it’s 0%


Why silly? I’d rather pay upfront than still be paying for something that will have dropped in price by £100+ by the time you have finished paying for it, or still be paying off a debt for a series 5 when the next version is out
Edited by: "ThaCheezBurglar" 16th Jan
ThaCheezBurglar16/01/2020 11:52

Why silly? I’d rather pay upfront than still be paying for something that w …Why silly? I’d rather pay upfront than still be paying for something that will have dropped in price by £100+ by the time you have finished paying for it, or still be paying off a debt for a series 5 when the next version is out


Really? On 0% I get to keep money in my account earning interest (admittedly a tiny amount, but nonetheless earning money) so in reality I actually will pay less for the item than you.
Alasdair9116/01/2020 11:38

£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £ …£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £20pm.I understand it’s all relative but as long as you understand what you’re doing and you can repay it, 0% finance is one of the most sensible ways to buy stuff.

It’s change of circumstances that are where you run into problems. You can fall ill anytime and find yourself unable to work... I was promised I would have abundant work on a zero hours contract, and did. One day, dropped from 55 hours a week to 4! I was young & naive and found myself paying for basic expenses on credit card. It’s easier for some to find themselves unable to pay than they’d ever imagine would happen to them. If you can afford the item outright and use it as a way to save, it’s a fantastic use of resources. Sadly most of those enticed aren’t doing that (I work within a major electrical retailer! I see it all day).
scnickr16/01/2020 11:41

Absolutely.Personally I could afford to buy a tablet outright but often …Absolutely.Personally I could afford to buy a tablet outright but often make use of these 0% deals. I’d never pay interest. I wouldn’t even notice £20-£30 coming out of my account.It comes down to personal responsibility, knowing whether you can afford it and being honest with yourself if you can’t.


Yeah, if you’re earning a good rate of interest in your accounts and wouldn’t need to save to afford the items, it’s a great deal. Totally agree & my family have used these deals for exactly this before.
KL8816/01/2020 11:36

I would say the majority of people will be getting into debt, generally …I would say the majority of people will be getting into debt, generally for unneeded items.


Sad but true. I think I was much more consumerist as a newly working teenager. I’m much tighter with my cash these days.
Alasdair9116/01/2020 11:38

£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £ …£199 is hardly unaffordable over 24 months 0%. Even £500 would be just £20pm.I understand it’s all relative but as long as you understand what you’re doing and you can repay it, 0% finance is one of the most sensible ways to buy stuff.


But the people needing to use finance for a £200 item are likely already in credit card debt and personal loans. Likely heavily.

People fall for these loans because they think they need / deserve the tat they are buying and that’s why debt levels are so high.
Edited by: "manbearpig" 16th Jan
littlesos16/01/2020 12:00

Really? On 0% I get to keep money in my account earning interest …Really? On 0% I get to keep money in my account earning interest (admittedly a tiny amount, but nonetheless earning money) so in reality I actually will pay less for the item than you.


Rubbish. You will use that money on other junk that you have claimed to ‘save’ to invest at 0.1%
Put £350 in a fixed account for 2 years fixed and pay them at 0% the money is always better in bank.
wow
manbearpig16/01/2020 12:28

Rubbish. You will use that money on other junk that you have claimed to …Rubbish. You will use that money on other junk that you have claimed to ‘save’ to invest at 0.1%


How rude, and besides you haven't thought that through, you have agreed I am able to save money on this purchase by using the 0% finance.
You might fritter away money where you like, I have no credit apart from a very small mortgage. I would always take up a 0% finance offer as it will save me money, and I do not like paying more than I absolutely have to (hence no outstanding credit)
Prices have gone up though....
jessica.lacey16/01/2020 11:26

I hope people aren’t getting into debt because they “must have” this stuff …I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.


I agree with you 100% I never ever took a loan or used any credit cards. I see people that take them and then ask for help when the bailiffs comes knocking on the door.
19DembaBa1916/01/2020 14:58

I agree with you 100% I never ever took a loan or used any credit cards. I …I agree with you 100% I never ever took a loan or used any credit cards. I see people that take them and then ask for help when the bailiffs comes knocking on the door.



jessica.lacey16/01/2020 11:26

I hope people aren’t getting into debt because they “must have” this stuff …I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.



Agree. Getting a loan for a non essential item is bad finance management, irrelevant of interest rate. Save it for when things like the washing machine breaks down.
However, I know someone wishing to improve their credit score so perhaps something along these lines may help with that (if purchasing either way).
Some of these comments.

Not a single debt to my name apart from my mortgage and I'm taking up this offer. I must be terrible at finance management....

Gormond16/01/2020 11:49

Is it in-store only?



Nope, you can call up. 0345 606 5019
Edited by: "Jiminy_Bob" 16th Jan
Jiminy_Bob16/01/2020 15:54

Some of these comments.Not a single debt to my name apart from my mortgage …Some of these comments.Not a single debt to my name apart from my mortgage and I'm taking up this offer. I must be terrible at finance management....Nope, you can call up. 0345 606 5019


Some people live in their own little bubble and are so narrow minded.

I’m considering it and in very similar circumstances to you.
I take interest free credit whenever I can, even though I usually have the cash. Besides it being cheaper because of the time value of money it means I have emergency funds still in my account and it doesn’t hurt to improve your credit rating for the big stuff like mortgages and cars.
Never looked at John Lewis before but has a glance this time. WOW! They really by know how to over charge in comparison to other stores don't they. £1000 for an Xs max :/
Dan_k-94ae9.7023317/01/2020 06:04

Never looked at John Lewis before but has a glance this time. WOW! They …Never looked at John Lewis before but has a glance this time. WOW! They really by know how to over charge in comparison to other stores don't they. £1000 for an Xs max :/



Depends, although a common reason why people go to JL over other retailers is that they may offer a longer warranty e.g. 2 years instead of 1.
Dan_k-94ae9.7023317/01/2020 06:04

Never looked at John Lewis before but has a glance this time. WOW! They …Never looked at John Lewis before but has a glance this time. WOW! They really by know how to over charge in comparison to other stores don't they. £1000 for an Xs max :/


You can get them to price match a lot of the time ( subject to t&cs) , they usually have longer warranties and have good customer service, added to easy delivery options makes them popular
I disagree. You find that people take several 0% deals and before you know it they don’t know how much is coming out each month and this makes it difficult to know if you could have afforded it in the first place. Buy everything upfront and you know exactly how much you’ve got to work with every month.
Martin_Byrne16/01/2020 13:17

Put £350 in a fixed account for 2 years fixed and pay them at 0% the money …Put £350 in a fixed account for 2 years fixed and pay them at 0% the money is always better in bank.


Depends on the interest. You might be losing money through inflation.
No real discussion on the product, just the 0% interest.

I'd rather buy Samsung's offerings, knowing that they're not being assembled in Chinese sweatshops by workers driven to the brink of suicide.

Want to know what "new" features the next flagship iPhone will have? Look at the current flagship Samsung phone.
monkeyhanger7517/01/2020 08:13

No real discussion on the product, just the 0% interest.I'd rather buy …No real discussion on the product, just the 0% interest.I'd rather buy Samsung's offerings, knowing that they're not being assembled in Chinese sweatshops by workers driven to the brink of suicide.Want to know what "new" features the next flagship iPhone will have? Look at the current flagship Samsung phone.


Right... Samsung products are ethically made yeah?
In 28 years of having a credit card I've only ever paid interest twice, both times the cheque was delayed in the post, CC company waived the fee. I always take up 0% if offered, and have to say having a bit extra in the bank has been handy, although if I can find something cheaper, I'll pay cash (well, on a credit card and choose one closest to the 56 days of credit!).

I was tempted with a MacBook, but having had a nightmare with JL a few years ago when I bought one, I'm staying well away. Cancelled the order and took 6 weeks for a refund. Plus shocking customer service when they couldn't repair a TV under their warranty. Read Trustpilot reviews
jessica.lacey16/01/2020 11:26

I hope people aren’t getting into debt because they “must have” this stuff …I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.


Paying it back is optional. If you're in such a bad state it's affecting your health, consider filing for *bankruptcy. There's the option for reduced payment agreements etc, but that's largely to keep the debt value for the lenders.

*with advice (preferably not the lenders!)
Good offer but it shouldn't say £199... you need to spend £300 minimum to qualify.
0% means free money to me...I’m in!
digidavek17/01/2020 08:31

Right... Samsung products are ethically made yeah?


I haven't heard any news about Samsung sweatshops with workers driven to the brink of suicide.
Edited by: "monkeyhanger75" 17th Jan
monkeyhanger7517/01/2020 09:21

I haven't heard any news about Samsung sweatshops with workers driven to …I haven't heard any news about Samsung sweatshops with workers driven to the brink of suicide.


Total rubbish. They have now stopped producing phones in China (as of October 2019) due to wage cost being too high... so you think they are willing to spend even more for the sake of ethics. Wrong. All consumers electronics are produced in the ‘sweat shop’ conditions. Get your head out of Samsung’s ass.
ThaCheezBurglar16/01/2020 11:52

Why silly? I’d rather pay upfront than still be paying for something that w …Why silly? I’d rather pay upfront than still be paying for something that will have dropped in price by £100+ by the time you have finished paying for it, or still be paying off a debt for a series 5 when the next version is out


Totally up to you but you could put the £500 (or whatever) in premium bonds for a couple of years and who knows...
You will still have £500 (at least)
Shame they don’t offer 16GB
versions of the 13” Macbook Pros - got mine from KRCS this week on a 10-month interest-free offer.
jessica.lacey16/01/2020 11:26

I hope people aren’t getting into debt because they “must have” this stuff …I hope people aren’t getting into debt because they “must have” this stuff. It’s nice to have but debt isn’t. I always wince when I see credit offered in stores. I was young and daft once. It all seems affordable when you borrow it, then it’s a whole other story to pay it back.


I agree to an extent.
I do buy things on finance, sometimes it’s a necessary evil. But I’ll only do that if it makes sense.

Some forms of finance are pure evil, mainly store cards.
My now wife worked for Arcadia (Topshop etc) whilst in college and at uni. As soon as you turned 18 if you wanted staff discount you had to have a store card with some extortionate interest rate.
I always found the notion of taking advantage of employees, who are often young, fashion conscious women, absolutely disgusting.
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