Apple Planning Interest-Free Apple Card Payment Plans for Macs, AirPods, iPads and More - MacRumors
Skip to Content

Apple Planning Interest-Free Apple Card Payment Plans for Macs, AirPods, iPads and More

by

Apple plans to debut interest-free payment plan options for customers who purchase iPads, AirPods, Macs, and more using Apple Card, allowing them to pay for purchases over several months.

apple card titanium and app
According to Bloomberg, Apple will roll out the ‌Apple Card‌ feature in the coming weeks, with customers given up to 12 months to pay for their products before interest is due.

The 12 month plan will be available for iPads, Macs, the Apple Pencil, iPad keyboards, and the Pro Display XDR, while six month payment plans will be offered for AirPods, Apple TV, and HomePod.

Customers will be able to make payments through the Wallet app, with charges added each month to their ‌Apple Card‌ bills.

Apple rolled out a 24-month interest free iPhone installment plan for ‌Apple Card‌ users back in December, which lets customers purchase an iPhone with the ‌Apple Card‌ and pay over the course of 24 months.

The new device payment plans will work in the same way. Customers will get three percent Daily Cash back for their purchases, and the plans will be compatible with Apple's educational discounts.

During Apple's most recent earnings call, Apple CEO Tim Cook said that Apple was planning to provide payment plan options for devices other than the iPhone. "As you know, we launched the payment plan earlier on ‌‌Apple Card‌‌ for ‌iPhone‌," he said. "We're working on that for other products and you'll see something on that shortly."

Apple's upcoming payment plans are meant to boost sales of Apple devices by allowing customers to pay for their items over time, as well as bolster ‌Apple Card‌ signups.

Tag: Apple Card Guide

Popular Stories

apple card booking genius

Apple Card Now Fast-Tracks Booking.com Perks With Just One Trip

Tuesday August 4, 2026 7:13 am PDT by
Apple Card users now have a new benefit available to them at Booking.com, with users automatically being upgraded to Genius Level 2 after completing just one eligible stay or car rental rather than the usual standard of five bookings within a two-year period. Genius is Booking.com's free loyalty program, with Level 2 unlocking a number of benefits including discounts of 10–15% on select...
Read Full Article • 17 comments
Apple Card iPhone 16 Pro Feature

Apple Card Offering 5% Cash Back on Select Purchases for Limited Time

Tuesday August 18, 2026 8:15 am PDT by
Now through September 15, you can get 5% Daily Cash when you use the Apple Card via Apple Pay on up to $750 in combined eligible purchases at Booking​.com, Hertz, ChargePoint, Exxon, and Mobil. The maximum total Daily Cash you can earn through this offer is $37.50, according to Apple, with complete details outlined on this page. Ordinarily, the Apple Card offers 3% Daily Cash at these...
Read Full Article • 13 comments
Apple Card iPhone 16 Pro Feature

Apple Card Turns Seven With Big Change Ahead

Thursday August 20, 2026 9:18 am PDT by
Today marks the seventh anniversary of the Apple Card becoming widely available in the U.S., following a more limited preview period. Apple's credit card can be managed in the iPhone's Wallet app, with key benefits including color-coded spending summaries, no fees, and Daily Cash cash back paid out daily. Apple Card holders can also open a high-yield savings account. The anniversary comes ...
Read Full Article • 102 comments

Top Rated Comments

R
raybo
81 months ago

When your products are so overpriced that you need to sell a pencil with financing.
Perhaps you hadn't considered that it could be part of a larger purchase...but nice knee-jerk anti-Apple post!
Score: 77 Votes (Like | Disagree)
K
konqerror
81 months ago

When your products are so overpriced that you need to sell a pencil with financing.
Because none of the PC vendors offer the same thing... oh wait

https://www.dell.com/en-us/learn/finance-and-rewards/financing-details
https://www.lenovo.com/us/en/outletus/lenovo-klarna-credit/
https://www.microsoft.com/en-us/store/b/surface-all-access/
Score: 23 Votes (Like | Disagree)
J
jb1280
81 months ago
This just reinforces the idea that Apple products and services are simply becoming subscriptions for their early adopters and best customers.

Couple this with their aggressive trade-in program currently in place and that becomes really clear

Win-win here. Good for consumers and good for Apple
Score: 22 Votes (Like | Disagree)
Phil77354 Avatar
Phil77354
81 months ago
That is a welcome program. A few years ago I purchased my current iMac with a similar zero interest finance plan coupled with the Discover card. This is better since it will also include the 3% cash back.
Score: 21 Votes (Like | Disagree)
1
12643
81 months ago
When your products are so overpriced that you need to sell a pencil with financing.
Score: 21 Votes (Like | Disagree)
CWallace Avatar
CWallace
81 months ago
As with all things, when used responsibly credit can be advantageous.

I have easily financed some $15,000 or more in Apple products on my Barclayacrd over the years (multiple iMacs, iPads, iPhones, accessories, MacBook Pros, etc.), all of it at 18 or 24 months SAC. Every single item I bought I had the cash on hand in my bank account, but rather then blow that all at once, I was able to keep it in the bank and earn interest (even if a pittance) and having that money available meant I paid well over the monthly minimums to ensure I paid off each loan two months before it was due (so there could be no issues with deferred interest).

Barclays was effectively letting me use their money for free for a time (yes, there is the annual fee, but you can negotiate that - especially if you have a long and all-positive history with them, which I do). Why wouldn't I do that if it was comfortably within my means to do so?
Score: 15 Votes (Like | Disagree)
Read All Comments