10 month 0% finance @ Apple Store UK
811°Expired

10 month 0% finance @ Apple Store UK

124
Found 9th Feb 2014
Just noticed the 10 month 0% finance offer on the Apple UK site for any hardware item that costs more than £449 is back on

Finance is administered through Barclays

Available on the Education site as well

Ends midnight 28th March.

Shiny things for all!

124 Comments

Thanks for the post I didn't know about it and I want a new iMac so very helpful to me

and who wants to be in debt to them. sorry its cold from me pal

Original Poster

dbhoy

http://www.hotukdeals.com/deals/0-financing-apple-store-uk-1731157http://www.hotukdeals.com/deals/0-finance-for-10-months-at-apple-spend-831673http://www.hotukdeals.com/deals/apple-10-months-0-finance-apple-products-over-429-up-3-cashback-with-quidco-1073316http://www.hotukdeals.com/deals/0-apr-finance-for-10-months-apple-products-iphone-ipad-mac-1383619http://www.hotukdeals.com/deals/0-finance-for-10-months-now-available-388861They've done it for years



I know, I used it myself last year. Changed the wording slightly

worth asking for student discount...

they don't chase up the student cards..

It's nothing to

cam2012

and who wants to be in debt to them. sorry its cold from me pal

it's bite to do with being in debt to them. If someone is having to save to get an apple item and could really do with it now, it could be better for them to get 0% finance. Surely that's better for everyone?!!?!?!

bought the mac book pro i'm writing this on with the same deal. have some heat

with the prices they charge this surely is a must for people who want them now but can't afford it right now. heat from me as I'm tempted myself

tovtm

with the prices they charge this surely is a must for people who want … with the prices they charge this surely is a must for people who want them now but can't afford it right now. heat from me as I'm tempted myself



The very reason people get into financial difficulty, living beyond their means. If you can't afford to buy it outright, then you can't afford it.

Gball

The very reason people get into financial difficulty, living beyond their … The very reason people get into financial difficulty, living beyond their means. If you can't afford to buy it outright, then you can't afford it.



I think you meant if you can't afford the repayments....

Great deal, 0% finance has to be. Even if you could buy it outright, better in your account earning interest!

cigbunt

worth asking for student discount...they don't chase up the student … worth asking for student discount...they don't chase up the student cards..



You sure? How would one do this?

Gball

The very reason people get into financial difficulty, living beyond their … The very reason people get into financial difficulty, living beyond their means. If you can't afford to buy it outright, then you can't afford it.


^This.

Also although it's 0% interest, you are effectively paying a premium from buying from Apple directly. Most Apple products can be bought cheaper from other retailers anyway (as you know from the deals posted on hukd every now and again). iPads are a good example. So in my honest opinion, I don't really see it as 0% interest, if you see what I mean.

Going through the Edu store gives you 3 years warranty, so 15% off, 3 years and 0% for 10 months all makes this a hot deal.

As for loans etc it all depends, I'm looking at the high end 27 iMac or rMBP 15, I have the money to buy outright now, but why not pay over 10 months? Spreads the cost and allows that money to potentially be used in the short term, helping short term cash flow if anything may occur.

Gball

The very reason people get into financial difficulty, living beyond their … The very reason people get into financial difficulty, living beyond their means. If you can't afford to buy it outright, then you can't afford it.



True for some people, but if you choose to live your life this way because you're unable to manage your money properly then that's up to you. Good luck getting a mortgage when you have no credit history though, actually sorry, you wouldn't get a mortgage would you because that means you can't afford the house outright.

Jazlabs 1-0

Jazlabs 2-0

Jazlabs 3-0 X)

I presume the phones are covered within this ? If so with the student discount and a sim only package you have the potential to save some pennies it's only like buying a contract ??

also available with the higher education discount, 15% off

Because of VAT and some vague excuses from apple, UK & Europe are one of theost expensive place to get an apple product... Check this out... 15dezember.blogspot.co.uk/201…m=0

wattoman

I presume the phones are covered within this ? If so with the student … I presume the phones are covered within this ? If so with the student discount and a sim only package you have the potential to save some pennies it's only like buying a contract ??



There's never any education store (student) discount on iPhones.

Original Poster

ah_heng

Because of VAT and some vague excuses from apple, UK & Europe are one of … Because of VAT and some vague excuses from apple, UK & Europe are one of theost expensive place to get an apple product... Check this out... http://15dezember.blogspot.co.uk/2013/12/the-cheapest-place-to-buy-apples.html?m=0



That's usually been the case. In fact if you're going for one of the more expensive models you could feasibly fly to New York, Kuala Lumpur or even Tokyo and you'd still come back ahead (unless you get caught by a friendly customs official)

A cheaper alternative if you didn't want to fork out in one go, dare I say it, would be Very.

As an example, they sell the 'Apple MacBook® Pro 13 inch with Retina display Intel® Core™ i5 Processor, 8Gb RAM, 512Gb Solid State Drive' for £1499, the same as the Apple store, however, if you are a first time customer, you can get 10% off and buy now pay later for 12 months.

If you are to do this, be sure to pay it off by the 12 months, otherwise the interest won't make it worth it!

Oh, and don't forget QuidCo or Topcashback for that extra bonus!

Edited by: "birdyboyuk" 10th Feb 2014

Psyber

You sure? How would one do this?



They ask to see a student discount card before you purchase in the retail stores, and the student must be present. They don't usually get in touch with the education establishment after that for any further verification.

Online, students should purchase from their University/College's own network, as this diverts them to Apple's educational priced online store. I'm guessing they wouldn't then ask for any further proof, but it's kind of hard to get on that network and purchase unless you are, or know a student (who could get the discount anyway).

Does anyone know the prices for the iPad AIR 64 and 128 Wi-fi with student discount? Is it just a blanket 15% for everything?

Original Poster

rfc4spl1

Does anyone know the prices for the iPad AIR 64 and 128 Wi-fi with … Does anyone know the prices for the iPad AIR 64 and 128 Wi-fi with student discount? Is it just a blanket 15% for everything?



No. It's roughly 3% for iPads so the 64 and 128 are £542.40 & £620.40 respectively

Gball

The very reason people get into financial difficulty, living beyond their … The very reason people get into financial difficulty, living beyond their means. If you can't afford to buy it outright, then you can't afford it.



Remember your first house?

huevosybacon

No. It's roughly 3% for iPads so the 64 and 128 are £542.40 & £620.40 r … No. It's roughly 3% for iPads so the 64 and 128 are £542.40 & £620.40 respectively



Thanks very much

huevosybacon

That's usually been the case. In fact if you're going for one of the more … That's usually been the case. In fact if you're going for one of the more expensive models you could feasibly fly to New York, Kuala Lumpur or even Tokyo and you'd still come back ahead (unless you get caught by a friendly customs official)



Get rid of the box

Why have it for 10 months at 0% when one can have it for 18 months on a 0% card?

m5rcc

Why have it for 10 months at 0% when one can have it for 18 months on a … Why have it for 10 months at 0% when one can have it for 18 months on a 0% card?

Because banks profit from financial transactions, unless you can run a tight ship, chances are many more wouldn't so they loose more money. Evidence clearly shows finance means more spending and sooner. The money people "loose" is what funds an army of credit card staff, office and shareholder dividends. Very few people actually finance to make more money as consumers. Education is an investment though.
Financing consumer sales roughly means 5%-30% Inefficiency in consumer purchasing power depending on APR and duration of debt.
Edited by: "splender" 10th Feb 2014

Just an FYI. When taking out an Apple Finance agreement, you will find that what you are actually doing is taking out a loan from Barclays.

This is one of the reasons I didn't do it.

jazlabs

True for some people, but if you choose to live your life this way … True for some people, but if you choose to live your life this way because you're unable to manage your money properly then that's up to you. Good luck getting a mortgage when you have no credit history though, actually sorry, you wouldn't get a mortgage would you because that means you can't afford the house outright.


Gball

The very reason people get into financial difficulty, living beyond their … The very reason people get into financial difficulty, living beyond their means. If you can't afford to buy it outright, then you can't afford it.



What a ridiculous stamtent - It makes very good business sense to use other peoples money for FREE. Id rather have £1500 (cost of decent Apple pc I guess) remain in my account earning what little interest it gets for 10 months than pay it out up front. Using credit lines wisely is sensible and can be benefical as can avoid unfordeen cash flow concerns and build better credit lines for the future.

Would you seriously buy a say a £30,000 car up front if you could get it for 0% over 4 years?

I did this for the Iphone 5s around xmas. It owning the phone helped me get a better deal on a sim only plan from Vodafone. After the 12 month plan i'll still own a phone worth £300-400 so im happy about that.

Barclays do the finance. The order/application took about 20-30 mins. I had the phone for about a month before the first repayment was taken.

Like some of the other comments say i wouldnt do this for pads but owning a phone makes phone companies easier to negotiate with.

I voted hot.

Gball

The very reason people get into financial difficulty, living beyond their … The very reason people get into financial difficulty, living beyond their means. If you can't afford to buy it outright, then you can't afford it.



Luckily, I have the resources to buy any Apple product I like outright, right now if I wanted. But I would still do the 10 months interest free because it makes financial sense. I would rather the money stays in my account gaining interest for as long as possible.

I've bought mine iPad mini using the finance as I could have bought out right but I get a monthly income and makes more sense to pay for it monthly

jazlabs

True for some people, but if you choose to live your life this way … True for some people, but if you choose to live your life this way because you're unable to manage your money properly then that's up to you. Good luck getting a mortgage when you have no credit history though, actually sorry, you wouldn't get a mortgage would you because that means you can't afford the house outright.



Exactly! Or go to University or take out a mobile phone contract.

Any credit that is below the rate of interest will leave you in profit, anyone that doesn't understand this doesn't understand basic economics.

Edit: typo
Edited by: "grimboj2" 10th Feb 2014

huevosybacon

No. It's roughly 3% for iPads so the 64 and 128 are £542.40 & £620.40 r … No. It's roughly 3% for iPads so the 64 and 128 are £542.40 & £620.40 respectively


I didn't know you could get student discount on iPads, could you share a link to this?

Ian182

Luckily, I have the resources to buy any Apple product I like outright, … Luckily, I have the resources to buy any Apple product I like outright, right now if I wanted. But I would still do the 10 months interest free because it makes financial sense. I would rather the money stays in my account gaining interest for as long as possible.


"Cash Rich"

Ian wins.
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