Is it a good idea ?
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 offered permanently on the Apple Store. On the other hand, the Californian firm offered, all year round, the possibility of making a purchase in its store on credit with an interest rate close to 10%.
But for a few hours, there has been a change in the matter. Apple now offers two forms of zero-rate financing on most of its products: payment in 24 installments and payment in 4 installments.
Apple makes credit, and soon rental?
In fact, as indicated on the Apple website’s web page dedicated to new free financing offers , you can take advantage of the payment in 24 monthly installments only for purchases costing more than €250, and only for the following products:
Payment in 4 instalments is reserved for purchases costing between €40 and €4,000 and for the following products:
- Smart Folio
- Apple Pencil
These financing offers are supported by Alma, a service specializing in purchases with payment in installments. Note, however, that Macs are obviously not included here . . So you can’t buy a MacBook Air M2 in 24 installments free of charge from Apple… Too bad! Ditto for all AirPods or Apple TV and HomePod mini.
However, you have to be careful with this type of financing, even at zero interest. Don’t forget that it is above all a credit , and that by making a purchase of this kind with spread payment, you are committed to paying up to the last euro due.
And then, this change in size at Apple is obviously reminiscent of the rumor that the Californian firm will consider in the medium or long term a rental system for its products , with which you will have to return the device in case of exit from the contract. rental, like long-term car rental offers, which have become more and more popular in recent years. There is also the fear that Apple will take advantage of these new means of financing to drastically increase the price of its products.