Apple has resumed offering financing options in the United Kingdom after eliminating the option earlier this year. Apple has a new financing page on its UK website, outlining its Barclays financing plan.

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While the financing page specifically focuses on the Barclays financing options, when checking out, customers can choose installment payments through Barclays or PayPal Credit.

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To use the Barclays financing option, customers in the UK must make a purchase over £399. There is no interest for the first 12 months, with purchases split into reasonable monthly payments. PayPal Credit is available for purchases over £99, but there is no interest free option.

It is not clear why Apple temporarily stopped offering financing in the United Kingdom, but full financing is now available once again. The company made the same change to financing in Canada in June of 2017, but has not yet reimplemented the financing options in that country.

Top Rated Comments

keysofanxiety Avatar
52 months ago
Barclays cherry pick only the highest scoring credit applicants.

Shame on you Apple.
If they picked anybody with weak credit scores then you’d be just as quickly accusing Apple for getting people into debt with seemingly small payments but ones they can’t afford.

“Ugh Apple only care about money. Shame on them for just wanting cash regardless if people can pay it or not.”

Yeah, great credit score doesn’t mean you can pay something and poor credit score doesn’t mean you’re broke. But if you’re looking to finance a purchase like this then I don’t see why it’s so shameful as you described.
Score: 13 Votes (Like | Disagree)
Futurix Avatar
52 months ago
Now the UK can live in debt like a majority of Americans!
Don’t worry - we already do!
Score: 7 Votes (Like | Disagree)
ncmrnc Avatar
52 months ago
Yay!
Now more people can be in debt. :) :rolleyes:
.
Seriously, if one is being considered for credit, that in itself puts them way ahead of the general population. Use the privilege wisely and don't go splurging on shiny toys on Day 1.
Score: 6 Votes (Like | Disagree)
Nalmond92 Avatar
52 months ago
Ironically, people who have never been in debt tend to have sone of the lowest credit scores.
Not ironic at all. You wouldn’t lend someone large sums of money with no proof that they have made good on their debts in the past. The finance company is still taking a gamble
Score: 6 Votes (Like | Disagree)
PickUrPoison Avatar
52 months ago
Barclays cherry pick only the highest scoring credit applicants.

Shame on you Apple.
It’s hard to cover a lot of bad debts when the financing is at a 0% interest rate, so the requirements are no doubt rather stringent for the Barclay’s financing.

PayPal credit, with their 14.9% interest rate, will finance those with lower scores who don’t qualify for Barclays.

You will find this to be a common occurrence as you begin to utilize credit. The lower the risk of you defaulting, as evidenced by a higher credit score, the lower the interest rate you will be offered.

If you pay late or skip out on debts, you may pay 30%+ interest, or more—and many times you won’t qualify at all, at any rate.

Pay your bills on time for a few years and you’ll qualify for the lowest rates when you seek financing for the purchase of a car or home. Lenders look at your past track record to determine whether your likely to repay future loans.
Score: 5 Votes (Like | Disagree)
iGeek2014 Avatar
52 months ago
Personally, I think it’s because people in the United Kingdom are bums and they never pay their bills!

Apparently we’re sending £350 Million a week to the European Union so we can’t afford our own bills...

Oh... wait /s ;-)
Score: 4 Votes (Like | Disagree)

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