Iphone interest free from apple/barclays - does it exist?

tomg82
tomg82 Posts: 2
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Hi,

I have a good simonly deal (£9 a month, 60gb, untd texts and calls) and was hoping to get a new iphone direct from apple on a 0% finance over 24 months as they advertise (provided by Barclays).

I was surprised to see my credit application was objected. I'm a company director, with a good salary and an excellent credit rating. The £30 a month it was going to cost would easily be affordable.

Has anyone actually had success getting credit from apple/barclays, or is it a case of false advertising?

Comments

  • oldernonethewiser
    oldernonethewiser Posts: 1,689
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    Not tried it with an iphone but bought Macbook and relative bought iMac with no problems on their credit schemes.
    Things that are differerent: draw & drawer, brought & bought, loose & lose, dose & does, payed & paid


  • flaneurs_lobster
    flaneurs_lobster Posts: 3,409
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    tomg82 said:

    Has anyone actually had success getting credit from apple/barclays, or is it a case of false advertising?
    Which bit of the advert do you think is false?

    It says you can choose to pay for your phone by applying for finance from Barclays, which you did and got knocked back.

     Are you suggesting that no such financing is available? 
  • TadleyBaggie
    TadleyBaggie Posts: 5,917
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    I've bought MacBooks and iPhones via Barclays 0% in the past.
  • Abbafan1972
    Abbafan1972 Posts: 6,839
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    edited 16 January at 7:57AM
    My daughter last year got credit for an iPhone through Apple with no problems and she is 19, with next to no credit history and works part time in a well known restaurant. 


    Striving to clear the mortgage before it finishes in Dec 2028 - amount currently owed - £45,189.63/b]
  • Yes it exists, I've had an iPhone and an iPad from Apple on 0% finance by Barclays.
  • DullGreyGuy
    DullGreyGuy Posts: 8,852
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    tomg82 said:
    Has anyone actually had success getting credit from apple/barclays, or is it a case of false advertising?
    Certainly not a case of false advertising. 

    In a similar situation but also bank with Barclays (the Apple lender is a different legal entity but still part of the Barclays group). Didn't need credit but for 0% it may as well be in my bank than theirs. Coincidently I'd been doing banking that day and saw Barclays had me pre-approved for a £35k loan if I wanted it (didn't) at a better than their representative rate. 

    I applied for the 0% via Apple and was also refused. As it was the launch day I did wonder if it was a technical issue and systems being overwhelmed but they said no, check your credit file, so just bought the phone with cash. 

    Have to say with Barclays Partner Finance, Lloyds' Blackhorse Finance and other such merchant tied offerings I've seen seemingly odd decisions in both directions much more than I have with credit cards or high street lending. 
  • chanz4
    chanz4 Posts: 10,842
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    they may think your over comitted 
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • tomg82
    tomg82 Posts: 2
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    Thanks for the responses, even those that were slightly unneccessarily confrontational! 

    I suppose what i meant by false advertising was that it seemed to have quite a high bar to entry. If nobody had actually been successful, and in reality they never approved anyone's credit then it would be misleading at best.  Interesting to hear others have managed to get it successfully though.

    I don't see any reason I should have been refused, but perhaps its my semi self-employed status. I've read elsewhere that others have had similar issues and been surprised.

    I could have bought it outright, but would rather have the money in my account and pay it off monthly at 0%. On the same day i instead took out a 0% on purchases credit card with a £2k credit limit, and will buy it that way instead.

    Thanks again.
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