Will I be accepted for Apple's Consumer Loan?

BonkersBonkers

OP the honest answer is that we do not have a clue.
I might say no you will not get it, the next poster will disagree etc.

The only way is to apply - please let us know how you get on.

c-m

JuicyJesus wrote: »

So do that. Overdraft debt is going to be costing you more than the savings are making you. Not doing so is idiotic unless the overdraft is interest free.



Why does it matter then? Apply, and if you're accepted you're accepted.

Most student overdrafts are 0%

It would daft to pay it off with savings.

heartbreak_star

Admittedly, my ex has a MacBook Pro and an iMac...but he's a sound engineer and prefers Apple stuff for work.

He also bought the MacBook second-hand, and saved up hard to buy both outright. Best way to do it.

HBS x

opinions4u

c-m wrote: »

Most student overdrafts are 0%

It would daft to pay it off with savings.

The post references an exception for 0% debt.

dex91

c-m wrote: »

Most student overdrafts are 0%

It would daft to pay it off with savings.

I share exactly the same sentiment

SammenForLivet2

Is the Apple Loan interest free?
If your overdraft's interest free, could you not increase this and borrow on it (I see from one of your previous posts that they didn't increase it) - but now you've had your salary been paid in over the summer months, are they more willing too?

This said, I too would recommend that you look at a High Spec Window's PC, which are around half the price of Apple, but it's your money - should spend it how you want.

20aday

I bought an iMac in 2010 on HP over 2 years.

The APR was fixed at 14.9% percent and I was surprised I was accepted as I've still got some "Arrangements to Pay" on my credit file from 2008 (next September cannot come soon enough!)

I'm not encouraging you to get into debt over a computer BUT if you feel you can afford the repayments etc then go ahead and apply?

20aday

macfamilyent wrote: »

Is the Apple Loan interest free?
If your overdraft's interest free, could you not increase this and borrow on it (I see from one of your previous posts that they didn't increase it) - but now you've had your salary been paid in over the summer months, are they more willing too?

This said, I too would recommend that you look at a High Spec Window's PC, which are around half the price of Apple, but it's your money - should spend it how you want.

If the OP was able to commit £X (anything of £449) then Apple are currently offering 10 months interest free.... So if the OP's overdraft isn't interest free and they can afford £X per month and clear it in 10 month's time?

claret_mike

Lesson to learn once you get the Macbook Pro - don't talk about it, don't show it off and don't even get involved in discussions around computers.

Why? You will be talked to like you have a 2nd head and you will be accused of being attracted to shiny things. Also expect comments about paying too much for it and that you can get better for less etc..

Have you used the student store or looked to see if you get a discount on NUS card?

If anyone else asks, You use a windows machine running Windows 9 super duper edition, which runs at 15ghz with a 20 tb solid state hard drive and comes with a nice plastic 43 inch widescreen display.

It was very MSE in that it only cost you £399.

Just between the 2 of us though - enjoy your mac if you can afford it and hope it brings you what you want from it as a computer.

alphaola

You get student discount if you order using a computer on your school network