It’s no doubt that Apple products are amazing and a dream come true to many. However, they are expensive and pocket straining. The good news is; perhaps you need to buy an Apple product but are financially handicapped. Then you can opt to get an Apple payment plan for that specific product and pay later in small affordable installments with Apple card and various financial companies.
Do you have a bad credit record over a debt you failed to pay and might be worried that this apple payment plan doesn’t suit you? Then you are wrong. This is because Apple offers much-needed financing to all their customers regardless of their bad credit. Here, you just need to apply for an Apple card and you will use it to shop all the Apple products that are within your credit limit.
There are also a number of financial companies that will help you achieve this as explained on our page below. Also, Apple has a program known as Rent to Own MacBook No Credit Check that enables customers to buy items and pay in installments over a specified leasing duration. That means with Apple, you can buy now with monthly payments no credit checks. Before we proceed Apple payment plan for Apple products, let’s first know much about Apple rent to own MacBook no credit check program.
Rent To Own MacBook No Credit Check Program in 2023
This is a MacBook pro financing no credit check program that helps customers with bad or no credit history to get apple items with affordable payment plans. I mean, as a customer, you are allowed to shop your item without any credit check and pay for it over a specified period of time. The payment or leasing period under this program entirely depends on the seller, quality, and price of the item in question. More often than not, the leasing period is between 1 to 2 months.
Advantages of rent to own MacBook no credit check
- No credit check. This means despite bad or no credit history, you are not limited to get the item that you need to purchase.
- Affordable payment plan. This program has an affordable payment plan with the leasing period spread over a specified period of time, making it cheap and flexible to pay.
- It has no upfront fee. Even though you are renting to own the product, with this program, you will end up paying the initial fixed amount without any other added upfront amount.
- You get good customer services. This program has amazing customer care service that are quick to respond to any of your question or concern.
Disadvantages of rent to own MacBook no credit check
- Leasing contract. This program has a leasing contract that has a fine when bleached.
Process Of Getting Help From Apple With No Credit Check
To apply for help from rent to own Mac book no credit check program, you need to:
- Look for a seller. You should first look for a seller with the best item that you are looking for. Before settling for a seller, you should consider the quality, selling price and the leasing period on his items. You can look for a seller through websites, social media platform or physically visiting the stores.
- Fill an application form. Through the seller, you should then fill an application form with all the correct personal details, and full details of the item you want to purchase on credit. You can either fill the form on the sellers website or his physical stores.
- Approval from the program. The application form is then taken to the program for approval. The program checks your eligibility and decides the amount or value of the item to get on credit.
After the approval, the seller will then notify you of the amount you qualify to purchase your item on credit. - Sign a leasing agreement. After approval, you are allowed to take your item and sign a leasing agreement that states the amount and duration needed to pay for the item.
Get Financing Apple Product With Apple Credit Card
Since the launch of Apple card, apple financing services got better. With this card, you shop for Apple products any time you please within the US. This card comes with a number of pros. First, it is a reward credit card that focuses more on security, privacy, and financial management. It also helps you to save on costs and even improve your credit over time. Whether you have bad credit or not, you will be able to enjoy Apple financing and thereby be able to purchase the Apple product you please and pay later through monthly installments.
Apple Credit Card Benefits
If you shop any Apple device using an Apple credit card, you will be able to get your cashback upfront. In most cases, you will get up to 3% of the device’s total cost as cashback. The good news is that this cash is real as it never expires. In fact, it is usually deposited onto your Apple Cash card in the Wallet. This means that you will save more money and have more to spend in the coming days. Besides this, here are the other benefits of having an Apple card:
- It is easy to use
- The card is secure and safe to use
- There are no hidden or annual fees
- It comes with debt and spending management tools.
- The card allows customers can now enjoy interest-free financing on some Apple products
- It boasts of being made from titanium and thus can last for long without getting damaged.
What Exactly Are Apple Card Monthly Installments
As far as the Apple Card monthly installments are concerned, this racially refers to a no-interest amount that a customer needs to pay on a monthly basis once he or she buys an Apple product on credit. Depending on the customer’s product of choice, the amount to be paid in installments might differ.
For instance, Mac costs $899.However, if you choose to pay this product using the Apple card monthly installments, you will have to pay $83.25 per month for a period of 12 months. On the other hand, an Apple watch costs $199.If you do not have enough credit to buy this watch, you can pay in installments by paying $8.29 per month for a period of 24 months.
Airpods on the other hand costs $159 if you buy them in cash. If you do not have this money upfront, you can pay $26.50 per month for just 6 months. Finally, if you want to purchase an iPad, it costs $329 upfront. However, if you’re going to pay it in installments, you will have to part with $27.41 every month for 12 months.
Do I have to be Approved for Apple Card Monthly Installments?
Yes. Just like any other credit card, you have to be approved before you are given the much-needed financing through the Apple card. Here, your FICO score is normally checked by lenders so as to determine your creditworthiness. This FICO score comprises information about your payment history, current debts, new credit accounts, the length of your credit history, and so forth. Although there are many FICO score versions that most lenders utilize out there, Apple card usually utilizes FICO Score 9.
It is imperative to note that this FICO Score 9 starts from 300 to 850. If your score is above 660, you are deemed to have a good credit score. As a result, you are eligible for Apple card financing. However, even if you have a score of 640, you will still get approved for this financing. Once you get approved, you will get the financing you need to buy the Apple product of choice and then start paying it in installments.
Interest Rate of Apple Card
Apple cards monthly installments plan have no interest rate. Therefore, interest rate is 0%. However, interest rate is incurred upon late payment of your monthly installments. If you carry forward payment from one month to another, you will pay an interest rate depending on the value of your monthly payment.
Which Products are Eligible for Apple Card Monthly Installments?
As we speak, there are a plethora of Apple products that are eligible for Apple card monthly installments. They include the following:
- IPhone: iPhone 12 pro, iPhone SE, iPhone 11 etc.
- Mac: MacBook Air, MacBook pro 16’’, MacBook pro 13’’ etc.
- iPad: iPad pro. IPad air, iPad mini
- Air Pods: Air pods Pro, Air pods Max
- Apple watch: apple watch series 6, apple watch SE, apple watch Nike etc.
How Do You Purchase With The Apple Card
Currently, there are two ways that you can use the Apple card to make purchases. These include:
- In-store purchases : As long as your store of choice is eligible for Apple Pay, you will be able to use your card to shop there. All you need to do is to double-click the side button of your iPhone and then complete the authentication stage. After that, hold your phone over the card reader, and the transaction will be successful. You can also use the card in restaurants and other locations where they accept payment using an Apple card.
- Online purchases : For you to shop online using your Apple card, you need to select Apple Pay at the checkout. Thereafter, double-click the button on the site of your device to confirm that you want to purchase your Apple product of choice. After that, complete the authentication step, and your transaction will be completed. The good news is that you can now have Apple Pay purchases on any Apple device. Whether you have a Mac or an iPhone, you will be able to shop online more conveniently.
How Do You View and Pay Via Apple Card
To view your Apple card monthly installments, you should;
- First open the Wallet app on your Apple device.
- Thereafter, tap Apple Card.
- You will see the ‘More’ button. Tap it, and you will a section indicating ‘Monthly installments.’
- Tap it, and you will be able to see the amount of money you should pay on a monthly basis for the device that you choose to buy on credit. In case you have many monthly installments, you will be able to see the balance for all those monthly installments.
After seeing your balance for all your monthly installments, you can now go ahead and make the necessary payments. To do this-
- You should tap ‘Pay Early’ and then choose the amount you want to pay as your monthly installment.
- After that, tap ‘Pay now or pay later’. Follow the instructions you will see on your screen, and you will be good to go.
Other Five Ways to Getting Apple Products With No Credit Check
Rather than the MacBook pro financing program, there are other ways to get loans for apple. I mean, there are some financial companies that give out loans to purchase the needed Apple product. Some companies conduct credit checks while others don’t. Are you looking for other ways to get loans for Apple? This site has a solution for you.
1. CashUSA. Com
This is an online financial network and a great way to get loans for Apple. They connect customers who are in need of loans to affordable ad reliable lenders. The lenders give out financial help to purchase the item you need not only from Apple but other companies as well. Luckily, CashUSA does not mind the credit history of the borrower.
How to apply
- Visit their site Cashusa.com “https://www.cashusa.com/” and fill out your application form with consistent and correct information.
- A potential lender will accept your offer. Later, you will be redirected to his or her site. The lender will inform you of the leasing period, monthly installments and interest involved.
- Read, understand and accept the conditions then accept the offer.
2. MoneyMutual
Money mutual is another reliable way to get loans for apple. Similar to CashUSA, this company offers quick and reliable access of lenders to customers. To benefit from it, you should be a USA citizen or permanent resident. It offers online services that work by presenting an online application form, where the interested customer is required to fill and hit the submit button. The network will then connect you to a possible lender. Under money mutual, no credit checks on customers.
Process of applying for a loan from MoneyMutual
As seen, MoneyMutual doesn’t provide loans. Instead, they link you to potential buyers. Here is the process of getting loan with bad or no credit.
- First, visit their website MoneyMutual.com “https://moneymutual.com/”. This is a website in USA where qualified borrowers get linked to lenders of either short term, installment loan and no – fax bad credit loan.
- From the site, fill in an application form with correct required information.
- You will then receive an offer from a potential lender. Each lender has different terms and conditions. Read, understand and accept them.
- Lastly, you will receive the borrowed fund directly from the lender and start paying as per the agreement.
3. Simply mac
This is another legit and easy way to get a loan with bad or no credit in the US. It partners with affirm to give you the special loan to purchase the product you need. The loan payment is then split over a certain time and allowed to pay in monthly installments.
Process of getting affirm loan
- Visit their site Simplymac.com and fill your loan application form. You should fill consistent information like name, email, security number, mobile number and date of birth.
- Affirm will receive the application and send you an authorization code in your mobile number to prove ownership.
- Enter the code in that application form and get notified of the amount you qualify, interest rate and leasing duration.
- Accept their terms and click confirm loan. You will therefore receive your loan followed by a monthly reminder of your loan payment.
4. CreditLoan.com
CreditLoan “https://www.creditloan.com/” is another lender that helps people with low credit obtain the much-needed financing to buy MacBook among other kinds of laptops. Here, clients are able to find a small loan ranging from $250 to $5000.If you are rational enough, you will not fail to find a MacBook that is within range.
As far as the interest is concerned, it varies depending on one’s creditworthiness. The good news is that money is normally deposited in one’s account within 24 hours. Besides this, CreditLoan has been helpful to its customers since 1998 as it has served more than 750000 customers.
How to apply
- First and foremost, you should open your browser and search creditloan.com
- Once you open the website, you will see a section indicating, ‘Register an account’. Click it.
- You will see a loan application form. Start filling the form with the right details.
- Once you are done, submit your application form online and then wait for approval
- If you’re a loan application is approved, you will get a loan within 24 hours.
5. BadCreditLoans.com
If you choose BadCreditLoans.com “https://www.badcreditloans.com/”, you can trust that you will get credit ranging from $500 to $10000.This loan comes at an interest rate ranging from 5.99% to 35.99%. The good news is that you have a period of up to 5 years to clear repay the loan.
Besides this, the process of applying for a loan is simple and straightforward. As far as money availability is concerned, you can be sure that you will get your money within 24 hours. However, this depends on whether your application will be approved or not.
7 Companies That Provides You Bad Credit Loan For Buying Apple Products
There are several companies that help customers buy products on credit and make payments over a specified leasing period. For instance:
1. Flexshopper
This is a ‘rent to own MacBook no credit check’ company with online services that enable customers to shop a wide range of products. The company provides easy and fast ways to get MacBook products on credit with no upfront fee.
Their payment plans are affordable and vary per the ability of the debtor to pay. They start from weekly, mid-month to monthly. Their loan is spread over a leasing period of one year.
Requirements
- You must be an adult of more than 18 years of age.
- You must have a reliable and consistence income of at least 100$ per month.
- Must have a bank account that has been active for more than three months.
- You must be a USA citizen or a permanent resident in exclusion of New Jersey, Wisconsin, Minnesota or Wyoming.
Application process
- Understand the term and conditions. Visit their official website “www.flexshopper.com/” and understand the terms and conditions of their credit. This is to know all the consequences to face in case you break the agreement.
- Fill the application form. From the same website, fill an application form with correct detail and hit the submit button.
- Choose your product. After the company approves your application, choose desired product that coincides with your limit.
- Accept the company’s terms and conditions. After choosing your desired product, click on the agreement field to accept the stated terms and conditions. Accepting the agreement shows your approval to ship or transport the product to your home.
- Sign a leasing agreement. On delivery of the product, you should sigh a leasing agreement and start to lease after the stated duration to own the item.
2. Rent – A – Mac
This is among the best MacBook pro financing no credit check companies In the USA. This company has existed for the last three years with the best online services to its customers. It collaborates with apple to ensure the customers get high-quality products of choice. Similar to Flexshopper, this company has a leasing period spread over one year with payment plans available from one week, two weeks, or four weeks
Requirements
- You must be 18 years of age or above.
- You must be employed for more than one 6 months.
- Must have a monthly income of not less than 1200$.
- You must be in possession of a credit or debit card.
Application process
- Visit their official website and understand all the terms and conditions of their credit.
- Fill an application form. In the same website, fill the fields with correct information needed and click the submit button.
- Choose your product. The company will approve your application and notify you through the website. Afterwards, choose the product that you want to shop.
- Accept terms and conditions. After choosing, accept the company’s terms and conditions. This approves shipping of your product.
- Sign a leasing agreement. On delivery, sign the leasing agreement and start paying to possess the item.
3. LeaseVille
This is another famous buy now pay later company in the US. It has the best online services that allow the customer to select his preferred item and pay later on monthly, mid-week, or weekly installments. It has no credit check, no interest, and a leasing period spread over a duration of one year.
Requirements
- Must be over 18 years of age.
- You must be employed with consistence monthly income.
- Must have an active bank account.
- You must have a social security number.
Application process
- Apply. Visit their official website “www.leaseville.com” and fill an application form. Ensure to fill in correct and accurate information.
- Shop. From their online stores, choose your preferred product to make an order.
- Agree on terms and conditions. Click on the terms and condition field to agree and approve delivery on your product.
- Sign a leasing agreement on delivery and start paying after the stated duration to possess the item.
4. Rent Delite
Rent Delite is another company that allowing buy now with monthly payments on electronics no credit check. Similar to others, the company has affordable payment plans with a maximum leasing period of one year. The plans allow monthly or weekly payment on their products.
Requirements
- The applicant must be above 18 years of age.
- Must be employed with a reliable and consistent monthly income.
- You must have an active email address.
- Must have a debit or credit card.
Application process
- Read and understand the company’s terms and condition through their website Rentdelite.com.
- Fill an application process.
- Choose and shop your product.
- Tick terms and conditions field to accept the conditions. The item will be delivered to you.
- Sign the leasing easing agreement for easier payment.
5. Electro Finance
Electro finance also helps customers with bad or no credit checks to acquire MacBook products on credit. Through the company, you can get valuable items of up to 3000$. The company has affordable and flexible payment plans with a maximum payment duration of one year.
However, to benefit from this program, the applicant must be:
- 18 years old and above.
- In possession of a social security number.
- Have a debit or credit card.
Process
- Read and understand the company’s policy, terms and agreement on their website Electrofinance.com.
- On the same site, Fill an application form and submit.
- Chose and shop the product of your choice and wait for delivery.
- On delivery, sign a leasing agreement.
6. Rent – A – center
This company provides you with a flexible ‘bad credit payment’ program with a leasing duration of 12 months. You can make the payment monthly, bi-weekly, or weekly. The company does not mind the credit history of the customer.
Requirement
- Citizen of permanent resident of US.
- Must have a reliable and stable job.
- Must have trusted references.
Application process.
- Visit their site rentacenter.com and fill an application form for the company to approve.
- Shop the product of your choice.
- Tick to agree to the company’s terms and conditions.
- On delivery, sign the leasing agreement and start paying to own your product.
7. GainSaver
This is another company that helps you get an item and pay later according to agreed installments. They offer refurbished MacBook products with a wide range of payment options. Low monthly payment is the latest and most preferred payment option in gain saver. It has partnered with affirm to make affordable and split payments for your products for up to one year.
How it works
When you trade-in your old item to another, you are offered Gainsaver store credit. You will then use the credit to get the refurbished item and pay the remaining balance as per the agreed installments.
When you buy a refurbished item without trading in, you:
- Visit their website Gainsaver.com and choose the item you prefer.
- Accept their terms and conditions then click order.
- Get your delivery and sign the leasing agreement. Start paying within the agreed period to own the item.
Other Alternative Ways to Finance iPhone, MacBook, or iPad.
Barclay card
This is the best alternative way to finance a phone, MacBook, or iPad. This card has a special financing reward from apple, that allows the customer to ‘buy now pay later’ with zero interest. More often, this card has a payment duration of 6 to 18 months. However, you should make punctual payment within the given promotional period to avoid differed interest
Amazon.com
Amazon is another great way to finance for apple, MacBook, or iPad. It provides zero-interest loans to customers with no credit check. Amazon is also known to provide cheap and affordable laptop monthly payment plans for students.
Best Buy
As we speak, Best Buy is now enabling people with bad credit to own laptops. The good news is that they have flexible payment plans that will not strain your budget. To get the much-needed financing, you just need to visit www.bestbuy.com and then fill an application form.
However, you must have a social security number and be 18 years and above. Also, you should have an active phone number and a credit card. If your application is approved, you will be able to buy the laptop you want and start your regular monthly installments as agreed.
Frequently Ask Questions
Can I trade an old iPhone with Apple Card?
Yes. If you do not have enough funds to make a new purchase, you can now go ahead and trade in your old iPhone. This is because trading in will lower your monthly installment fee. The good news is that you can do this online and get an Apple Gift card through Email. With this gift card, you will be able to make all the Apple purchases you please in the future.
Can I buy a SIM-free iPhone using an Apple card?
Yes. As we speak, you can now buy a new SIM-Free iPhone using your Apple card and then pay it in interest-free installments. All you need is an existing wireless service and an Apple card.
Does The Apple Card Enable You To Build Credit?
Yes. If you can use the Apple card correctly, you will be able to rebuild your credit in a couple of months. To achieve this objective, you should ensure that you make timely payments each and every month. Also, you should try to keep your credit card balances at the bare minimum. Finally, you can focus more on making regular payments, which will greatly boost your credit score.
What is the minimum credit score for an Apple card?
The minimum credit score for an Apple card is 600. If you have a credit score that is less than 600, you might not be approved for this card.
Is it hard to get approved for Apple card?
No. All you need to do is to apply for this card and then wait for your application to be approved. Remember that the approval here is subject to your credit score status. If you have a good credit score, you will be able to get your card within 6 to 8 days.
How long does it take to get approved for an Apple card?
Technically, it takes about 6 to 8 days for you to get approved for this card. In some instances, it might take a shorter period than 6 days.
Does Apple automatically increase its credit limit?
Unlike other credit card issuers, Apple does not automatically increase the credit limit of its customers. However, you are at liberty to request an increase by contacting the Apple card customer care team.
Can I switch carriers while still paying my Apple Card Monthly Installments?
Yes. You can now switch carriers the way you please as you pay your Apply card monthly installments. This is because there is no rule demanding you to stick to that carrier until you finish paying the full amount. Therefore, you are free to switch carriers if u want.
What if my Apple Card credit line is too low to buy the new iPhone?
If this happens, you should choose a device that is covered by the credit limit. In this case, you will choose an Apple product that is quite cheaper than what you wanted in the first place. This is because your credit line should always be higher than the cost of the new iPhone
Final Take
Spite the fact that Apple products have the best quality, it is no doubt that they are expensive and not affordable to everyone. As a result, there are several companies with apple financing plans to help you acquire their products at ease. Are you looking for the best payment plans on apple products? We have explained some of these companies to make things easier for you.